Cheap Car Insurance Isn't Worth Dropping Your PIP

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Cheap Car Insurance Isn't Worth Dropping Your PIP

One of the most basic no-fault coverages in your automobile policy is your Personal Injury Protection (PIP). This covers you or any other person traveling in your vehicle for a minimum benefit per person for injuries, regardless who is at fault and this coverage may be optional. These benefits vary from state to 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: Rehabilitation, psychiatric, physical and occupational therapy are all included in you rehabilitation expense benefits.

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.

It isn't advised to drop your PIP coverage to get cheap car insurance even if your personal medical coverage will cover you during an accident. Your personal medical coverage may change regarding how you will be covered in an auto accident. If you aren't aware of these changes or don't notify your auto insurance company of these changes you will not have any coverage for medical expenses due to an auto accident.

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More About Joseph Welusz.:
Joseph Welusz writer of the article above has written about ways to get the Best Insurance quotes. He is a licensed insurance professional that tries to help people find ways to save money and get the Best Insurance Quotes Online.

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