The following five types of coverage you may be awarded under normal personal injury protection coverage are:
1. Medical Expense Benefits. Hospital, medical, surgical, professional nursing, X-rays, ambulance, optometric, dental and prosthetic services are all included in you medical expense benefits.
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: Included in this benefit are reasonable charges up to a specific amount for cremation expenses or funeral services including burial costs.
5. Survivors Loss Benefit: This benefit provides a payment to your surviving spouse or dependents up to a specific amount for a specific time period.
It isn't advised to drop your PIP coverage to get cheap car insurance even if your personal medical coverage will cover you during an accident. Your personal medical coverage may change regarding how you will be covered in an auto accident. If you aren't aware of these changes or don't notify your auto insurance company of these changes you will not have any coverage for medical expenses due to an auto accident.
