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

This bill (S 3142) prohibits New Jersey auto insurers from allowing policyholders to select health insurance as the primary coverage for medical expenses after car accidents. It amends existing law to require personal injury protection (PIP) coverage under auto insurance to be the primary source for medical benefits, eliminating the previous option to choose health insurance as primary. The change directly affects auto insurance policyholders who would have previously been able to elect health insurance as primary coverage for accident-related medical costs. The key mechanism is a statutory amendment making PIP coverage mandatory as primary, with health insurance only covering costs not paid by PIP. This policy change simplifies coverage coordination for accident victims without altering existing PIP benefit limits.