<prompt> Human: If I have good health insurance, should I carry Personal Injury Protection and Underinsured motorist bodily damage insurance with my car insurance?  <response>: You should read up on these types of insurance before making a decision on whether to include them in your policy. Personal Injury Protection covers medical expenses and sometimes lost wages and other damages of people in the vehicle including passengers andor pedestrians hit by the vehicle regardless of who is at fault in an accident. Underinsured motorist bodily damage coverage is to protect you in case you get in an accident, arent at fault, and the person who is at fault does not have insurance. With this coverage, your insurance will cover you, as if the other person does have insurance.Neither of these coverages have much to do with your health insurance. They are to protect you from losing everything you own in the event of an accident.Disclaimer: I am not an insurance agent. For full details, you may want to try rinsurance. 