Is Additional PIP Needed When Getting Cheap Auto Insurance?

By Joseph Welusz

What's Extra PIP coverage? When you are trying to get cheap auto insurance do you need it? You first need to know what you PIP stands for; the acronym PIP means Personal Injury Protection. In your auto insurance policy it's the coverage that pays your medical costs if you become injured in an accident you caused.

Okay that's easy enough to understand. I get medical coverage under my insurance policy if I'm injured in an automobile accident.

What does Extra Personal Injury Protection cover? It may seem a little confusing because actually it doesn't cover the costs of any medical bills at all. What it does do is provide coverage from your auto insurance policy for expenses that are caused from you being hurt in an auto accident.

Extra Personal Injury Protection is broken up into four parts; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. We will give you a better understanding of these four coverage's so when you get free insurance quotes in the future you can decide if you would like to add them or not.

Income Continuation establishes a set monitory award to you if you are unable to work. The coverage is available in different increments from $100 to $700 per week. You are also able to select if you want the coverage available for 2 years or up until the age of 65. The payments of this coverage are only available if your short term disability is under 60% of your regular pay or the benefits from your state have expired.

Essential Services will give you coverage for services you can no longer do because you are hurt. Things like cleaning your gutters in the fall or cutting your grass would be covered under this option. There are two daily limit options $12 or $20 per day or a total benefit from $4,380 to $14,600 depending on the coverage's you decide on.

Death Benefits will be paid in the event that you pass away due to an auto accident. This benefit will pay either $5,200 or $10,000 depending on the option you decide on.

Funeral Expenses are also included if you pass away due to an automobile accident. The payout benefit is either $1,000 or $2,000 again dependent on your selection.

In total there are 17 Extra Personal Injury Protections options available that combine all the coverage's listed above and they are not offered ala carte they come as package options. Extra Personal Injury Protection coverage may not be available in every state. When it becomes time to search for discount auto insurance if Personal Injury Protection is available select the option that fits you best.

About the Author:

Before purchasing auto insurance, be sure you check Joe's site Quote Matcher.com to find ways to get discount auto insurance and cheap auto insurance money saving ideas