I Have Private Health Insurance. WIll PIP Still Pay for My Medical Bills?

The simple answer to the question is: yes, but it’s a little more complex than that.

Remember that with PIP coverage your reasonable and necessary medical bills that are incurred because of injuries from an auto accident. Most insurance policies have a policy limit of $8,000 – meaning that your insurance company will pay up to $8,000 in accident-related medical bills and lost wages.

If you have private health insurance, however, your auto insurer will cover the first $2,000 in accident-related bills. In other words, it is the “primary” insurer for the first $2,000 in bills. After it has paid $2,000, then your private health insurance company becomes primary and your accident-related bills must be submitted to it for processing. So, your private insurer becomes “primary” and PIP becomes “secondary.”

Read more in our blog post PIP Still Pays Medical Bills When You Have Private Health Insurance