Articles
| Don't Drop Your PIP to get Cheap Car Insurance |
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| Written by Joseph Welusz |
| Thursday, 24 July 2008 17:43 |
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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: This benefit covers all reasonable charges up to a specific amount for funeral services, including burial and cremation expenses. 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. If you live in a state where Personal Injury Protection is optional you may want to consider keeping this coverage as part of your policy. Medical expenses might not be otherwise covered. Many medical insurers refuse to pay for medical claims due to a car accident. You may also have a maximum limit to your medical expenses. Your PIP coverage will be separate from these coverage and not have the same limitations. There are other places in your auto insurance policy you can adjust to help you get cheap car insurance. About the Author: The article submitted by Joseph Welusz will help you get the Best Insurance Quotes. You can always get the Best Insurance Quotes Online at QuoteMatcher.com Kindly provided by MoneyHunter.org You are welcome to use this article on your own website, if you include the link just before this text. |
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