Insurance cost differences for vehicle models
Extra PIP Or Cheap Auto Insurance?
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.
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.
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 will pay a selected amount of money per week if you become disabled. You can select coverage ranging from $100 to $700 per week. The coverage can either be available for two years or up until the age of 65. This coverage is offer after your short term disability from the state has ended or is under 60% of your regular pay.
Essential Services is a coverage that pays for services you can no longer perform because you are hurt. This would include things like cutting your grass or shovel snow in the winter. There are only two daily limit options $12 or $20 per day and total benefit range is $4,380 to $14,600 depending on the coverage you select.
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 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.
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.
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