If there were an accident, would my Health insurance pay for it or does my car insurance. How is this decided? My car insurer asked me to indicate the primary healthcare provider in case of an accident (them or the health insurance company). My Health insurer on the other hand says that it would be shared between them based on the type of accident. Would it change anything if i indicated that the car insurer will be primary provider? would it deny me the benefits of health insurance?
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It sounds like you are in NJ where it is optional on your auto insurance to make your health insurance primary. I do not know what the savings is now, but when I was there it was minimal & not worth it (I think it was somewhere around $25 or less per year). Get a quote to see. Remember, health insurance usually has a lifetime maximum ($1,000,000 or $2,000,000). If you have a major illness & a major accident, there goes your health insurance. PIP coverage in NJ is per accident limit (used to be $250,000 max per accident) so technically, you can have many accidents over the course of your policy & the insurance company gives you the $250,000 each time. Also, Medicare never pays primary, that is something to think about if you have an elderly relative in your vehicle who does not have their own auto coverage & no auto coverage in their household because their medical would then come from your policy. You can always file your deductible & copayments from your auto PIP coverage with your health insurance, that is what your health insurance was probably talking about. If you are looking to save money on your auto insurance, take higher comprehensive & collision deductibles. This will give you the most savings in the long run.
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