When Trying To Get Cheap Auto Insurance Is Extra PIP Needed?
What’s Extra PIP coverage? When you are trying to get cheap auto insurance do you need it? You first need to know what you PIP stands for; the acronym PIP means Personal Injury Protection. In your auto insurance policy it’s the coverage that pays your medical costs if you become injured in an accident you caused.
That was east enough to understand. Medical coverage is available to you under your auto insurance policy if you hurt in an auto accident that you were found at fault in.
What does Extra Personal Injury Protection cover? It may seem a little confusing because actually it doesn’t cover the costs of any medical bills at all. What it does do is provide coverage from your auto insurance policy for expenses that are caused from you being hurt in an auto accident.
Four coverage’s make up your Extra PIP; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. Let look closer so when you decide to get free auto insurance quotes you will be able understand the coverage’s included.
Income Continuation pays a selected benefit amount of money per week if you are unable to work. Coverage ranges from $100 to $700 per week. The coverage is either available up until the age of 65 or for two years. This coverage is offer if your short term disability is under 60% of your regular pay or your benefits from the state ended.
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 paid in the event that you die due to an automobile accident. The benefit will pay out from $5,200 to $10,000 depending on the option you choose.
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 17 Extra PIP options available combining different limits of the above coverage’s. Extra PIP coverage may not be available in each state. When you get your next discount auto insurance quote if PIP is available choose the option that is the best fit for you
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