PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does it matter if you make your health insurance your primary coverage on your auto policy?
"My car insurance company offered me the option to make my health insurance my primary coverage on my auto policy instead of having personal injury protection.
Is there any downside to this? Am I saving money? Would I need to still pay my health insurance deductible?"
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Personal injury protection (PIP) may be a
type of insurance
required by law, depending on your state. Whether you choose to make it your primary or secondary coverage depends on your health insurance.If you have a good health insurance plan that will cover auto accidents, then you may not need PIP to be your primary coverage. If your health insurance does not provide coverage for auto accidents or has a high deductible, you’ll want to consider making PIP your primary coverage.
You’ll also still need to pay your health insurance deductible if your health insurance is your primary coverage. PIP often doesn’t have a deductible. As your primary coverage, PIP will cover your medical expenses, work loss, or even funeral expenses.
You could save money on your premium initially, but may owe more in the long run if your health insurance is your primary coverage.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies