Yeah, instructor makes a huge difference. I remember zoning out completely during mine—until the guy started sharing his own near-miss stories. Suddenly, everyone was paying attention... guess real-life drama beats PowerPoint slides any day.
Yeah, real stories always stick better than dry slides. I had a similar wake-up call during my defensive driving class. Instructor started out with the usual stats and diagrams—total snooze fest—but then he casually mentioned a minor fender-bender he had years ago. At first, it didn't sound like much, but then he walked us through how even a tiny accident ended up costing him thousands because he didn't have enough coverage. That totally shook me up. Ever since, I've been super careful about making sure my policy limits are solid. It's easy to underestimate how quickly costs pile up, especially medical bills, even in no-fault states. Honestly, I'd rather pay a bit extra now than be blindsided later...
Totally agree, real-life examples hit home way harder than abstract numbers. One thing I'd add is to double-check your Personal Injury Protection (PIP) limits if you're in a no-fault state. A lot of folks just stick with the minimum required coverage, but medical expenses can skyrocket fast—even from minor injuries. I bumped mine up slightly last renewal, and honestly, the peace of mind alone was worth it. Doesn't hurt to shop around either; sometimes you can boost coverage without breaking the bank.
Yeah, good point about the PIP limits—I just got my first policy and almost went with the bare minimum until a friend shared their ER bill from a minor fender-bender... yikes. Ended up bumping mine up a bit too, better safe than sorry.
"Ended up bumping mine up a bit too, better safe than sorry."
Yeah, makes sense—it's easy to underestimate how quickly medical bills add up after even minor accidents. Did you find it tricky figuring out exactly how much to bump your coverage up? When I adjusted mine, I kept wondering if there was a sweet spot between cost and coverage... not sure I got it right yet. Either way, sounds like you're making smart moves.
