As many of you already know, there are many options when choosing an automobile insurance policy. One such option is “Health Insurance Primary.” We recommend NOT to elect Health Insurance Primary or Health Care Primary.
Your health insurance plan may not provide coverage for automobile collisions and may not cover all family members. Many health insurance policies also have a deductibles and you may be restricted to see medical providers in-network. Further, health insurance companies often times seek to obtain reimbursement from any financial recovery you may obtain in a personal injury matter.
Instead, We recommend that you elect $250,000 in PIP Medical Expense coverage. Trying to save a few dollars for the cost of an annual premium can seriously and negatively impact your ability to receive the medical care you want and your ability to receive just compensation after a motor vehicle collision. Feel free to contact our office for a free consultation about the types of coverage to seek when obtaining automobile insurance.