Your National Insurance record
Do you need personal injury protection if you have Medicare?
You must report the accident to Medicare, regardless of whether you file a personal injury claim. This is because Medicare must be reimbursed for the money it spends on your medical treatment for an injury resulting from an accident.
Do I need PIP coverage if I have health insurance?
In short, yes, you must buy PIP coverage in New Jersey, regardless of whether or not you have health insurance. Depending on your situation, there may be many benefits to a high PIP coverage amount and choosing PIP as the primary insurer, even if you have health insurance, such as: Compensation for Lost Wages.
Can I opt out of PIP in Michigan if I have Medicaid?
Your health plan is not considered qualified health coverage and you cannot opt out of PIP as part of your auto insurance policy.
Does Medicare Cover Car Accident Injuries in Michigan?
Yes, under certain circumstances, Medicare will cover auto accident-related injuries in Michigan. But unlike No-Fault auto insurance, it will want to be reimbursed and it will not cover all of the vital medical care services that a car accident victim needs.
Can I opt out of PIP if I have Medicare?
Yes. The new auto insurance law allows named insureds covered by Medicare to opt out of PIP medical coverage as long as all other household members have other qualifying coverage.
Do you have to have PIP in Michigan?
PIP is required in Michigan. Also referred to as “personal protection insurance” or “personal injury protection” insurance, PIP is one of the mandatory auto insurance coverages under the No-Fault law. Anyone who drives regularly in Michigan must have it.
What is the difference between PIP and medical coverage?
Personal Injury Protection is similar but distinct; while medical payments coverage is strictly intended to cover medical bills, PIP takes things a step further, covering health costs and resulting lost wages for you and your passengers after an accident, regardless of fault.
Should you get PIP?
Even if it is not required, buying PIP insurance is a good idea because PIP can pay for accident-related medical expenses for you and any passengers in your car, while your health insurance only covers you. Additionally, PIP covers non-medical costs like childcare and lost wages.
Does Medicare cover car accidents?
Medicare does cover injuries sustained in a car accident in the same way it would if your accident-related injuries were suffered by other means. This means that Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans can also help you pay for car accident injuries, though in different ways.
Does Michigan Medicaid cover PIP?
Michigan residents who are enrolled in Medicaid can choose PIP medical coverage with a $50,000 per person per accident limit. To qualify for this option, the policy holder’s spouse and resident relatives must have their own qualified health care coverage that covers auto accident injuries.
What PIP coverage should I choose in Michigan?
The new PIP choice is for the medical and attendant care benefits, which comprise most of PIP’s traditional expense. But all Michigan drivers will still need to purchase traditional PIP survivors’ benefits, funeral expenses and replacement services. That coverage will be mandatory.