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: This benefit includes all reasonable charges for medical, hospital, surgical, professional nursing, dental, optometric, ambulance, prosthetic services 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: This benefit covers all reasonable charges up to a specific amount for funeral services, including burial and cremation expenses.
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.
The following five types of coverage you may be awarded under normal personal injury protection coverage are:
1. Medical Expense Benefits: This benefit includes all reasonable charges for medical, hospital, surgical, professional nursing, dental, optometric, ambulance, prosthetic services 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: This benefit covers all reasonable charges up to a specific amount for funeral services, including burial and cremation expenses.
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.
About the Author:
Joseph Welusz author of this article writes interesting insurance articles to help you get the Best Insurance Quotes Online from QuoteMatcher.com. Mr. Welusz is an advocate of educating the public on insurance issues. His most recent articles are based on finding ways to get the Best Insurance Quotes.
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