One of the most basic no-fault coverages in your automobile policy is your Personal Injury Protection (PIP). This covers you or any other person traveling in your vehicle for a minimum benefit per person for injuries, regardless who is at fault and this coverage may be optional. These benefits vary from state to state.

The list below are types of coverage that you may receive as part of typical personal injury protection coverage:

1. Medical Expense Benefits: Included in this benefit are all reasonable charges for hospital, surgical, medical, ambulance, professional nursing, prosthetic services, optometric, dental and X-rays.

2. Rehabilitation Expenses Benefit: Rehabilitation, psychiatric, physical and occupational therapy are all included in you rehabilitation expense benefits.

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: Included in this benefit are payment to your dependents or surviving spouse up to a specific limit for a specific time period.

Before you drop your Personal Injury Protection coverage to get cheap car insurance consult with your medical insurer. Even if they state you will be covered for medical expenses occurred from an accident be wary to drop the coverage. Reason being is that if your medical insurer changes your medical coverage regarding injuries from a car accident you will then have no coverage. It may also take your medical insurer a lot longer to pay the bills for you and there may be a overall limit to your medical coverage.