Yeah, I had a similar realization during my driver's ed class. My instructor kept stressing that PIP coverage is there exactly because liability disputes can drag on forever. Even if it's obvious who's at fault, insurers still need time to investigate and negotiate. So PIP steps in immediately, covering medical costs and sometimes even lost wages upfront. Definitely reassuring to have, but hopefully something none of us ever need to actually use...
Good points, but honestly, PIP isn't always a no-brainer. A few things to consider:
- Check your state's minimums—some states have pretty low coverage limits, which might not cover much if you're seriously hurt.
- If you've got solid health insurance already, doubling up with high PIP coverage might be redundant and just cost you extra.
- On the flip side, if your health plan has high deductibles or limited coverage, PIP can save your wallet big-time.
Bottom line: Always crunch the numbers first...
I learned this the hard way a couple years back. Thought my health insurance was solid enough, so I went with minimal PIP coverage to save a few bucks. Then I got rear-ended pretty badly—nothing catastrophic, thankfully, but the medical bills piled up faster than I expected. Turns out my health plan had sneaky high deductibles and copays. Lesson learned: always double-check the fine print and run the numbers carefully before deciding.
I get your point, but honestly, going minimal on PIP isn't always a bad move—depends on your situation. For instance, I drive a luxury car, but I'm pretty budget-conscious. Here's how I see it: first, check your health insurance carefully—deductibles, copays, out-of-pocket max. Then, compare that to the cost of higher PIP coverage. Sometimes, if your health plan is solid enough, paying extra for PIP might not make sense financially. It's all about crunching the numbers and knowing exactly what you're covered for...
I see where you're coming from, but I'd be careful about relying too much on health insurance alone. Here's why:
- Health insurance usually covers medical bills, sure, but what about lost wages or childcare expenses if you're seriously injured? PIP often kicks in for those things.
- Even a solid health plan can have hidden gaps—like out-of-network charges or ambulance fees—that PIP might cover without hassle.
- Also, remember that health insurance deductibles reset annually. If your accident happens near the end of the year, you could end up paying double deductibles pretty quickly.
- Personally, I drive a family SUV and have kids in the backseat most days. The peace of mind from higher PIP coverage outweighs the extra cost for me.
I totally agree it's about crunching numbers...but sometimes it's also about factoring in those unexpected scenarios that numbers alone can't predict. Just my two cents.
