PLPennsylvaniamedium
Under 75 Pa.C.S. § 1719, when an insured elects to have their PA auto medical (PIP) benefits coordinated with their health insurance, which coverage typically pays first for injuries from an auto accident?
AAuto PIP always pays first regardless of the insured's coordination election
BMedicare always pays first
Health insurance pays first; auto PIP becomes excess
DThe two coverages share pro-rata from dollar one
Why this is the answer
75 Pa.C.S. § 1719 makes auto PIP primary by default but allows the insured to elect coordination, making health insurance primary and PIP excess. The coordination election reduces auto premium because PIP claim frequency drops.
Studying for the Pennsylvania Personal Lines exam?
This question comes from our PL bank. Take a free practice test — no signup.