Yeah, PIP coverage is definitely underrated. It kicks in pretty quickly since it's no-fault insurance—meaning you don't have to wait around for the other driver's insurance to figure things out. I've had my share of fender-benders, and honestly, having decent PIP saved me from a lotta headaches...
"I've had my share of fender-benders, and honestly, having decent PIP saved me from a lotta headaches..."
Totally agree with you there. Had a minor accident last year—nothing serious, thankfully—but the medical bills started piling up fast. My PIP kicked in almost immediately, covered the initial expenses without any hassle. Definitely worth paying a bit extra upfront to avoid stress later on... peace of mind is priceless.
Glad to hear your PIP coverage came through smoothly. It's one of those things you hope you'll never need, but when you do... it's a lifesaver. I've seen plenty of folks underestimate medical costs after even minor accidents—those bills can sneak up on you fast. Out of curiosity, did you find the claims process straightforward? Some people I talk to worry it'll be complicated or slow, but in my experience, most insurers handle PIP claims pretty efficiently. It's definitely practical to factor in that extra bit of coverage upfront rather than getting blindsided later. Good call on prioritizing peace of mind over saving a few bucks each month.
Glad your coverage worked out without much hassle. I've handled plenty of PIP claims, and honestly, most people are surprised at how smoothly it goes. Sure, there's the occasional hiccup or paperwork shuffle, but insurers usually try to keep it streamlined—it's in their interest too. And you're totally right about medical bills sneaking up...even minor treatments add up fast. Better safe than sorry when budgeting for insurance—peace of mind beats pinching pennies any day.
"Better safe than sorry when budgeting for insurance—peace of mind beats pinching pennies any day."
Yeah, can't argue with that logic. I've always been a bit skeptical about how smoothly these claims actually go—heard plenty of horror stories from friends dealing with endless paperwork loops. But your experience is reassuring. Maybe insurers really do have an incentive to keep things straightforward? Either way, glad it worked out for you without too much headache...makes me feel slightly better about paying those premiums every month.
