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Do I need personal injury protection (PIP) or “medical payments” if I have health insurance?

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Drivers who have sufficient health insurance to cover any medical bills resulting  from an accident would need to determine if PIP or medical payments coverage is worth purchasing (assuming PIP is optional in your state). One thing to be aware of: Health insurance might cover your medical bills, but it would not provide the additional coverage that PIP offers for things such as lost wages and funeral expenses. Nor would it cover the medical expenses of passengers in your car.

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