Don't Drop Personal Injury Protection to get Cheap Car Insurance

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: This benefit includes charges for psychiatric, physical and occupational therapy, and rehabilitation.

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: Funeral services including burial and cremation expenses up to a specific amount are included in you funeral expense benefits.

5. Survivors Loss Benefit: Provides payments to your surviving spouse or dependents up to a set limit for a predetermined period of time are included survivors loss benefits.

Before you drop your Personal Injury Protection coverage to get cheap car insurance consult with your medical insurer. Even if they state you will be covered for medical expenses occurred from an accident be wary to drop the coverage. Reason being is that if your medical insurer changes your medical coverage regarding injuries from a car accident you will then have no coverage. It may also take your medical insurer a lot longer to pay the bills for you and there may be a overall limit to your medical coverage.