Understanding Personal Injury Protection (PIP) and Your Health Insurance | LG Insurance Agency

When it comes to automobile accidents, understanding your insurance coverage is crucial. Personal Injury Protection (PIP), often referred to as "no-fault" coverage, plays a vital role in this scenario. At LG Insurance Agency, we want to ensure you have all the information you need to make informed decisions about your auto and health insurance coverage.

What is Personal Injury Protection?

PIP is a component of your auto insurance policy that covers medical expenses for you and others covered under your policy in the event of an auto accident, regardless of who is at fault.
It's known as “no-fault” coverage because it pays for your medical costs without considering who caused the accident.

How Does Health Insurance Integrate with PIP?

If you have health insurance, you can designate your health insurer as the primary source of medical care in the event of an auto accident.
In such cases, your health insurer pays first for your medical expenses, while your auto insurer’s PIP coverage acts as secondary coverage.

Understanding the nuances of how PIP works in conjunction with your health insurance can be pivotal in ensuring comprehensive coverage in the unfortunate event of an auto accident.

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[prveteran]

WOW! You have a $5k deductible for health insurance? After getting involved in a bike/auto accident? That doesn't make sense at all?