Yes. In a few states like New Jersey, a choice of personal injury protection policy coverage is offered. The choices are listed hereunder.
Full personal injury protection primary policy coverage is to meet the injuries sustained by the policyholder or the co-passengers in a car accident. This option would also cover the continuation of the income, death benefits, funeral expenses, and other essential services expenses.
The full personal injury protection primary policy coverage would be required when another health insurance company is the provider of primary coverage of the injuries sustained by the policyholder and the co-passengers in the accident. This coverage would also protect the continuation of the income, death benefits, funeral expenses, and other essential services expenses. However, this full personal injury protection primary policy coverage would not be available if the insured person was using Medicaid or Medicare as the primary health insurance. Active members of military services are also excluded from this policy coverage. A few insurance companies do not offer coverage for injuries related to vehicle accidents.
Another policy in this category is medical only full personal injury protection primary policy. This provides primary coverage for the injuries sustained by the policyholder and the co-passengers in a car accident.
The medical only health primary policy coverage should be bought if another insurance company is the primary provider of cover for the injuries sustained by the policyholder and the co-passengers in a car accident. Persons having Medicare or Medicaid and military personnel would not be able to purchase this policy. Further, a few insurance companies might not offer protection for car accident injuries. If there is any doubt about the exact coverage of the health insurance of the policyholder, full personal injury protection primary policy or medical only personal injury protection primary policy should be purchased.
