Your health insurance choice affects how your medical bills are paid after a crash:

• Coordinated coverage means your health insurance pays first, and your auto insurer covers the remainder. This can lower premiums but may include deductibles and network limits.
• Uncoordinated coverage (also called “primary PIP”) means your auto insurer pays medical bills directly. It costs more but offers more freedom in choosing doctors and avoiding out-of-pocket costs.

If you’re self-employed or have limited health coverage, uncoordinated PIP may offer better long-term protection.