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Don't Drop Personal Injury Protection To Get Cheap Car Insurance

Feb 24, 2008
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: 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: Included in this benefit are lost wages for a specific time period and limit following injuries that have been incurred.

4. Funeral Expense Benefit: Included in this benefit are reasonable charges up to a specific amount for cremation expenses or funeral services including burial costs.

5. Survivors Loss Benefit: This benefit provides a payment to your surviving spouse or dependents up to a specific amount 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
This article Personal Injury Protection written by Joseph Welusz insurance professional is only one which he has written for QuoteMatcher.com the best place to get low cost auto insurance quotes online. He has also written many articles about getting Cheap Car Insurance.
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