Yes, you still need health insurance even if you have Personal Injury Protection (PIP) car insurance.
PIP only covers medical expenses and lost wages resulting from a car accident. It may not cover all of your healthcare needs such as routine check-ups, prescriptions, and treatments for non-car accident-related injuries or illnesses.
PIP has limits on the amount of coverage provided, which may not be enough to cover all of your medical expenses.
Benefits of having health insurance
Here are some benefits of having health insurance
- Health insurance covers a wider range of medical expenses beyond car accidents. It also covers preventative care, mental health treatments, and more.
- Health insurance typically has higher limits of coverage, providing greater protection against expensive medical bills.
In short, having health insurance in addition to PIP car insurance can provide more comprehensive healthcare coverage and protection against unexpected medical expenses.
Final thoughts
While PIP car insurance can provide coverage for car accident-related medical expenses, it is important to have health insurance for comprehensive coverage and protection against a wide range of healthcare needs. Health insurance ensures that you are covered for non-accident-related medical situations and offers a more extensive network of providers. It provides financial security and peace of mind, protecting you from the potentially high costs of medical care.
