Additional coverage is available to people who reside in certain states. This type of coverage acts as an addition to the PIP coverage that you already have. Having this coverage allows you to raise your PIP limit to cover higher medical expenses caused by an accident.
Extended coverage is available in Florida only. The PIP coverage in Florida covers 80 percent of medical expenses and 60 percent of lost wages because of an accident. If you purchase additional coverage, the PIP insurance will cover 100 percent of medical expenses and lost wages. It'll cover the maximum limit allowed on the insurance policy.
Guest coverage is only available in Kansas. This type of coverage provides expenses to those who're passengers in your vehicle if you ever get in a car accident. Coverage is mandatory if all of the drivers on the policy have no-fault coverage.
In some states, you have to choose the type of PIP plan that you'd like. These may include:
Full personal injury protection primary is coverage for people in your vehicle only, including yourself. The option covers funeral, medical, death expenses and more.
Full PIP health primary should be purchased if you have health insurance that covers you and your passengers in a car accident. This insurance covers lost income as well as funeral and death expenses. Full PIP health primary coverage isn't available for people that have Medicaid or Medicare health insurance. You also can't purchase this coverage if you're an active military member.
Medical only PIP primary is coverage that covers medical expenses for you and passengers in your vehicle if you're in a wreck.
Medical only health primary is insurance that should be purchased if another health insurance provider is the only coverage you have for injuries to yourself and passengers in your vehicle if you're in a wreck. This coverage isn't available for people that have Medicaid or Medicare health insurance. If you're an active military member, you can't purchase this insurance.