Is Extra PIP Included In Your Discount Auto Insurance Quote?

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Is Extra PIP Included In Your Discount Auto Insurance Quote?

What is additional PIP coverage? When searching for discount auto insurance do you need it? First you need to understand what you PIP coverage is, PIP stands for Personal Injury Protection. It's the coverage in your auto insurance policy that pays your medical bills if you are injured and were found at fault in an accident.

Ok that was simple enough to understand. Medical coverage is provided under my auto insurance if I am hurt in an auto accident.

So, what is Extra PIP (Personal Injury Protection)? It may be confusing because it doesn't actually pay any medical bills at all. It gives you coverage under your auto insurance for costs you have that are from you being injured in an auto accident.

There are four coverage's that make up your additional personal injury protection; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. Let take a closer look to see what is really covered under each so when it becomes time to get free auto insurance quotes you will have a better understanding of the coverage's included.

Income Continuation establishes a set monitory award to you if you are unable to work. The coverage is available in different increments from $100 to $700 per week. You are also able to select if you want the coverage available for 2 years or up until the age of 65. The payments of this coverage are only available if your short term disability is under 60% of your regular pay or the benefits from your state have expired.

Essential Services will cover you for services you can no longer perform because you are injured. Things like cutting your grass or cleaning your gutters in the fall would be covered under this option. There are daily and total limit options ranging from $12 to $20 per day for a total benefit from $4,380 to $14,600 depending on the coverage's you choose.

Death Benefits are available in case you pass away due to a car accident. This benefit will pay either $5,200 or $10,000 pending which option you select.

Funeral Expenses are also included if you pass away due to an automobile accident. The payout benefit is either $1,000 or $2,000 again dependent on your selection.

There are a total of 17 Additional PIP different options available. Additional PIP coverage may not be available in all states. When searching for a discount auto insurance policy if Additional PIP is available make sure you choose the option that is best for you.

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