One of the most basic no-fault coverage's 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 coverage's that may be extended to you under 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: This benefit includes charges for psychiatric, physical and occupational therapy, and rehabilitation.
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: This benefit covers all reasonable charges up to a specific amount for funeral services, including burial and cremation expenses.
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.