Personal Injury Protection (PIP) is the most basic no fault coverages in your car insurance policy. You, relatives or any other person traveling in your automobile will receive a minimum benefit amount per person for injuries, no matter who is at fault in the accident. The benefit levels may vary widely among states and also be optional in your state.

The following five types of coverage you may be awarded under normal personal injury protection coverage are:

1. Medical Expense Benefits: This benefit includes all reasonable charges for medical, hospital, surgical, professional nursing, dental, optometric, ambulance, prosthetic services 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: This benefit includes coverage for loss of wages up to a specific limit for a specific time period following injury.

4. Funeral Expense Benefit: Funeral services including burial and cremation expenses up to a specific amount are included in you funeral expense benefits.

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.