PIP will still pay for your injuries even if you don’t have health insurance. However, we recommend you always have health insurance because medical bills pile up quickly.
Once you use up your PIP policy, you’re responsible for your medical bills. Filing a personal injury claim can help recover those costs, but reaching a settlement takes time. Until then, you need to pay these expenses out of pocket. Recovering from a serious injury can cost hundreds of thousands, or millions, of dollars.