Your personal health insurance won't cover a non-family passenger or driver. You would have to hope they have adequate health insurance to cover themselves along with your PIP. And PIP can cover lost wages as well, which their health insurance won't.Agreed.
Guaranteed exactly how?
There are 3 types of insurance coverages that most folks procure:
The only one on the above list that might (theoretically) be a subject of debate is 2.3 - PIP.
- Liability Coverages (coverage paid to others when you are at fault for a covered loss).
- Personal Coverages (coverage for you and your passengers)
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
- Personal Injury Protection (PIP)
- Vehicle Coverage (what most folk talk about when they talk about vehicle coverage). This may include:
- Comprehensive
- Glass Deductible
- Collision
- Towing
- Rental
- New Car Replacement
- Loan/Lease Gap Coverage
Incidentally, it's the most useless portion of the coverage, since your personal insurance is ALWAYS better than the bare bones coverage offered by PIP.
In other words, PIP is worthless if you have medical insurance coverage of any kind.
Consequently, the scare mongering about insurance implications of interior modifications are of equal value to that of PIP.
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And even then, if you're deemed to be at fault, their health insurance may come after your car insurance company and/or you to be reimbursed. You didn't do a simple 'interior modification'. You've modified a safety feature of the car. If you think someone wouldn't use that against you if they thought it would save them money or get more out of you, you're fooling yourself. Hopefully, you never have to find out.