Cheap Car Insurance Isn't Worth Dropping Your Pip
Joseph Welusz
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: Included in this benefit are all physical and occupational therapy, rehabilitation and psychiatric costs.
3. Work Loss Benefit: Lost wages for a specific limit up to a specific time period following injury are included in you rehabilitation expense benefits.
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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