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Is Additional PIP Needed When Getting Cheap Auto Insurance?

Sep 11, 2008
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.

So, what is Additional PIP (Personal Injury Protection)? It is a little confusing because it doesn't pay any medical bills at all. It actual provides coverage under your auto insurance policy for expenses you incur that are caused by you being injured in an auto accident.

Extra Personal Injury Protection is broken up into four parts; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. We will give you a better understanding of these four coverage's so when you get free insurance quotes in the future you can decide if you would like to add them or not.

Income Continuation establishes a set monitory award to you if you are unable to work. The coverage is available in different increments from $100 to $700 per week. You are also able to select if you want the coverage available for 2 years or up until the age of 65. The payments of this coverage are only available if your short term disability is under 60% of your regular pay or the benefits from your state have expired.

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 available in case you pass away due to a car accident. This benefit will pay either $5,200 or $10,000 pending which option you select.

Funeral Expenses again will be paid in the event that you die due to an automobile accident. The amount of benefits available for funeral expenses will either be $1,000 or $2,000.

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
About the Author
Before purchasing auto insurance, make sure you check Joe's site Quote Matcher.com to find ways to get discount auto insurance and cheap auto insurance money saving tips
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