Personal Injury Protection (PIP) is the most basic no fault coverages in your car insurance policy. You, relatives or any other person traveling in your automobile will receive a minimum benefit amount per person for injuries, no matter who is at fault in the accident. The benefit levels may vary widely among states and also be optional in your state.
The following are types of coverages that may be extended to you under 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: Rehabilitation, psychiatric, physical and occupational therapy are all included in you rehabilitation expense benefits.
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: 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.
2010 Mazda3 sedan [Spied again]