Don’t Drop Your Pip To Get Cheap Car Insurance
January 2, 2010
The most basic no-fault benefit is personal injury protection coverage (PIP). This coverage will pay you, your relative or any other person riding in your car a minimum benefit amount per person for injury, regardless of fault. The level of benefits varies widely among states and may be optional.
The list below are types of coverage that you may receive as part of typical personal injury protection coverage:
1. Medical Expense Benefits: Included in this benefit are all reasonable charges for hospital, surgical, medical, ambulance, professional nursing, prosthetic services, optometric, dental and X-rays.
2. Rehabilitation Expenses Benefit: Rehabilitation, psychiatric, physical and occupational therapy are all included in you rehabilitation expense benefits.
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: Funeral services including burial and cremation expenses up to a specific amount are included in you funeral expense benefits.
5. Survivors Loss Benefit: Provides payments to your surviving spouse or dependents up to a set limit for a predetermined period of time are included survivors loss benefits.
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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