Cheap Car Insurance Isn't Worth Dropping Your Pip : Car insurance low price review

Cheap Car Insurance Isn't Worth Dropping Your Pip
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 following are types of coverages that may be extended to you under typical personal injury protection coverage:1. Medical Expense Benefits. Hospital, medical, surgical, professional nursing, X-rays, ambulance, optometric, dental and prosthetic services are all included in you medical expense benefits.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: 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: Included in this benefit are payment to your dependents or surviving spouse up to a specific limit 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.

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