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.
