Cheap Car Insurance Isn’t Worth Dropping Your PIP
Posted by Joseph Welusz
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: This benefit includes charges for psychiatric, physical and occupational therapy, and rehabilitation.
3. Work Loss Benefit: Included in this benefit are lost wages for a specific time period and limit following injuries that have been incurred.
4. Funeral Expense Benefit: Included in this benefit are reasonable charges up to a specific amount for cremation expenses or funeral services including burial costs.
5. Survivors Loss Benefit: This benefit provides a payment to your surviving spouse or dependents up to a specific amount 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.
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