Originally Posted by SteveL
You can save a few bucks on your car insurance by dropping the medical coverage. As long as you have your own health insurance, your auto medical is duplicate coverage. You won't be allowed to collect from both. This also applies to PIP coverage if you are no longer working. Some states don't allow PIP, so check your policy.
Most states which allow PIP it is mandatory. Medical Payments, the coverage allowed in non-PIP states, is always optional. It is also offered in some PIP states and is optional there, too. Depending on the state, PIP may include non-medical coverages, mainly wage income loss (which won't matter if you are retired). But sometimes PIP includes other lesser coverages such as essential services and death benefits.
PIP and Med Pay will likely have lower deductibles than personal health insurance, if any at all, something else to be aware of.