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Cheap Car Insurance Isn't Worth Dropping Your PIP |
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Personal Injury Protection (PIP) is the most basic no fault coverages in your car insurance policy. You, relatives or any other person traveling in your automobile will receive a minimum benefit amount per person for injuries, no matter who is at fault in the accident. The benefit levels may vary widely among states and also be optional in your state. Personal Injury Protection (PIP) is the most basic no fault coverages in your car insurance policy. You, relatives or any other person traveling in your automobile will receive a minimum benefit amount per person for injuries, no matter who is at fault in the accident. The benefit levels may vary widely among states and also be optional in your state. The following five types of coverage you may be awarded under normal personal injury protection coverage are: 1. Medical Expense Benefits. Hospital, medical, surgical, professional nursing, X-rays, ambulance, optometric, dental and prosthetic services are all included in you medical expense benefits. 2. Rehabilitation Expenses Benefit: Included in this benefit are all physical and occupational therapy, rehabilitation and psychiatric costs. 3. Work Loss Benefit: This benefit includes coverage for loss of wages up to a specific limit for a specific time period following injury. 4. Funeral Expense Benefit: Funeral services including burial and cremation expenses up to a specific amount are included in you funeral expense benefits. 5. Survivors Loss Benefit: Included in this benefit are payment to your dependents or surviving spouse up to a specific limit for a specific time period. If you live in a state where Personal Injury Protection is optional you may want to consider keeping this coverage as part of your policy. Medical expenses might not be otherwise covered. Many medical insurers refuse to pay for medical claims due to a car accident. You may also have a maximum limit to your medical expenses. Your PIP coverage will be separate from these coverage and not have the same limitations. There are other places in your auto insurance policy you can adjust to help you get cheap car insurance. About the Author: The preceding article Cheap Car Insurance isn't worth Dropping Your PIP was written by licensed insurance professional Joseph Welusz who tries to help you get Best Insurance Quotes Online. He writes intriguing articles related to various insurance topics for QuoteMatcher.com. Where the Best Insurance Quotes are always available for free. |
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