Automotive Journal

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 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 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 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.