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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.

There are four coverage’s that make up your additional personal injury protection; Income Continuation, Essential Services, Death Benefit and Funeral Expenses. Let take a closer look to see what is really covered under each so when it becomes time to get free auto insurance quotes you will have a better understanding of 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 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.

Tags: Auto Insurance

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