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Is Additional PIP Needed When Getting Cheap Auto Insurance?

What is Extra PIP coverage? When trying to get cheap auto insurance is it needed? You should first understand what you PIP coverage are; PIP is and acronym meaning Personal Injury Protection. It is the coverage available though your auto insurance policy that covers your medical bills if you are hurt when you are at fault in an accident.

Ok that was simple enough to understand. Medical coverage is provided under my auto insurance if I am hurt in an auto 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.

Four coverage's make up your Extra PIP; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. Let look closer so when you decide to get free auto insurance quotes you will be able understand the coverage's included.

Income Continuation pays a selected benefit amount of money per week if you are unable to work. Coverage ranges from $100 to $700 per week. The coverage is either available up until the age of 65 or for two years. This coverage is offer if your short term disability is under 60% of your regular pay or your benefits from the state ended.

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 are paid in the event that you die due to an automobile accident. The benefit will pay out from $5,200 to $10,000 depending on the option you choose.

Funeral Expenses are paid in the event that you pass away due to an auto accident. This benefit will pay either $1,000 or $2,000 depending on the option you decide on.

There are a total of 17 Additional PIP different options available. Additional PIP coverage may not be available in all states. When searching for a discount auto insurance policy if Additional PIP is available make sure you choose the option that is best for you.

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