What coverage option under PIP allows for own health insurance to be primary for auto claims?

The health coverage option under Personal Injury Protection (PIP) allows a policyholder to designate their own health insurance as the primary coverage for auto-related claims. This choice effectively means that, in the event of an accident, the individual's health insurance will cover the medical expenses first, rather than the PIP benefits. This can be beneficial for individuals who have robust health insurance plans and prefer to utilize those benefits rather than tapping into their PIP coverage, which may have lower limits or fewer resources available for medical expenses related to auto accidents. By choosing this option, insured drivers can potentially lower their PIP premiums, as they are shifting the financial responsibility of medical costs to their primary health insurer.