Yeah, totally agree about PIP being underrated. I drive a luxury sedan and used to think comprehensive and collision were all I needed—protecting the car itself always felt like priority number one. But after seeing a coworker deal with medical bills from a minor accident, I realized how quickly things can escalate. Even minor injuries can mean multiple specialist visits, scans, and treatments... and those aren't cheap.
Also worth mentioning: PIP often covers lost wages if you're out of work for a bit due to injury. That's something people rarely think about until they're actually facing missed paychecks. It's definitely not the most exciting part of insurance, but it's smart protection. Like you said, better safe than sorry—especially when medical costs are involved.
I used to be pretty skeptical about PIP coverage myself, thinking it was just another way for insurance companies to squeeze extra cash outta me. But honestly, after hearing some horror stories from friends about medical bills piling up, I'm starting to reconsider. Like yeah, collision covers your ride, but who's covering you when you're stuck with physical therapy and MRI costs? I mean, it's not glamorous or anything—insurance rarely is—but maybe it's worth the peace of mind after all...
I used to feel the same way, honestly. Always figured PIP was just another line item on my bill that I'd never actually use. But then last year, a coworker got rear-ended at a stoplight—not even a major crash, just enough to give her some serious neck pain. She ended up needing physical therapy for months, and her regular health insurance had a pretty high deductible. She told me the PIP coverage she had through her auto policy kicked in right away, no hassle, and covered all those initial medical bills without her having to dip into savings.
Kinda made me rethink things. I mean, yeah, it's annoying paying for something you might never use, but isn't that basically what insurance is all about? I'm still budget-conscious and hate seeing my monthly payments creep up, but now I'm wondering if skipping PIP is really worth the risk...
Yeah, I hear you—PIP seems pointless until you actually need it. Plus, it can cover lost wages if you're out of work for a bit after an accident. Definitely worth considering, even if it's a pain seeing that extra charge each month.
"Definitely worth considering, even if it's a pain seeing that extra charge each month."
Yeah, I get the hesitation about paying extra monthly for something you might never use...but have you looked into how quickly PIP kicks in after an accident? I've seen cases where folks had medical bills piling up fast, and their regular health insurance was dragging its feet. PIP coverage stepped in right away, covering immediate medical expenses without waiting for fault determination. But I'm curious—have you checked your state's minimum requirements? Some states make PIP mandatory, while others let you opt out under certain conditions. Might be worth double-checking your policy to see exactly what's covered and how much you'd actually get for lost wages. Could save you some headaches down the road...
