Prohibits selection of health insurance coverage as primary under personal injury protection coverage.

This bill (S 2276) prohibits New Jersey auto insurance policyholders from selecting health insurance as the primary coverage for medical expenses resulting from car accidents. It removes a previous option (under Section 13 of P.L.1983, c.362) that allowed drivers to designate health insurance as primary, requiring personal injury protection (PIP) coverage to be primary instead. The law affects all auto insurance policyholders in New Jersey who would have chosen this option, ensuring PIP covers medical costs first. If health insurance is primary, insurers would have paid only for uncovered expenses, but this choice is now eliminated. The bill does not change PIP coverage limits or deductibles.