If you reside in one of the 16 states you are required to have PIP coverage because you are bound to file a claim under the policy before turning to your health insurance. Even if your state doesn’t require you to have this policy, PIP insurance offers numerous benefits that you would not get from a health insurance such as funeral costs and lost wages.
States like Michigan and New Jersey have provisions so PIP insurance of an individual can work in conjunction with their health insurance. For instance, if you got injured in a car accident in New Jersey, the health insurance policy will pay for your physical injuries while your PIP would pay for additional economic losses like wages if you are unable to work.
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