Don’t Drop Personal Injury Protection to get Cheap Car Insurance
Posted by Joseph Welusz
One of the most basic no-fault coverages in your automobile policy is your Personal Injury Protection (PIP). This covers you or any other person traveling in your vehicle for a minimum benefit per person for injuries, regardless who is at fault and this coverage may be optional. These benefits vary from state to state.
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: This benefit includes charges for psychiatric, physical and occupational therapy, and rehabilitation.
3. Work Loss Benefit: This benefit includes coverage for loss of wages up to a specific limit for a specific time period following injury.
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.
Tags: Finances
Leave a Comment for Don’t Drop Personal Injury Protection to get Cheap Car Insurance
You must be logged in to post a comment.