Speedy Auto > Auto Insurance > Tips >  

Is Extra PIP Included In Your Discount Auto Insurance Quote?

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.

So, what is Additional PIP (Personal Injury Protection)? It is a little confusing because it doesn't pay any medical bills at all. It actual provides coverage under your auto insurance policy for expenses you incur that are caused by you being injured 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 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 will cover you for services you can no longer perform because you are injured. Things like cutting your grass or cleaning your gutters in the fall would be covered under this option. There are daily and total limit options ranging from $12 to $20 per day for a total benefit from $4,380 to $14,600 depending on the coverage's you choose.

Death Benefits are available in case you pass away due to a car accident. This benefit will pay either $5,200 or $10,000 pending which option you select.

Funeral Expenses again will be paid in the event that you die due to an automobile accident. The amount of benefits available for funeral expenses will either be $1,000 or $2,000.

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.