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Step 1
Understand the "Underinsured Motorist Bodily Injury" (UIMBI) clause in your car insurance policy. If you have this in your policy and you have an accident the coverage sets a limit on the maximum amount of benefit paid per person, per injury and per accident. When you purchased this policy, if the limits were set low or if the expenses overshoot the limits, your health insurance will compensate for the remaining amount.
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Step 2
Assess the "Personal Injury Protection" (PIP) in your policy. It provides coverage for medical, hospital and funeral expenses in case of car accidents. Usually, the policyholder, relatives, passengers, other drivers and any others injured in the accident are covered under the policy. The limit of this coverage is specified and varies from state to state. This coverage is specifically designed for people who do not have health insurance. If you have PIP, you don't need health insurance in the event of a car accident. If you have health insurance, you may do away with the PIP.
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Step 3
Remove "Medical Payments" (MP) from your car insurance if you have health insurance. MPs are for those who do not have health insurance and insure a car under their name. It provides coverage to them for all medical expenses and payments resulting from car accidents.
