Had a fender-bender in my old Mustang a couple years back—nothing serious, barely a scratch—but man, my back didn't agree. Thought I'd tough it out, but the chiropractor bills stacked up quick. PIP stepped in smoother than expected, so yeah, definitely worth having...just gotta keep an eye on those sneaky exclusions.
Had a similar experience myself—minor bump at a stoplight, didn't even dent the bumper, but my neck felt off for weeks afterward. Thought it was nothing at first, but those medical visits added up surprisingly fast. Thankfully, PIP covered most of it without much hassle. You're right about the exclusions though...I learned the hard way to double-check exactly what's covered before assuming anything. Glad your situation worked out smoothly overall.
Had a similar run-in myself, but honestly, my experience with PIP wasn't quite as smooth sailing. Here's a quick step-by-step breakdown of how it went down for me:
Step 1: Minor fender-bender, barely a scratch—thought I was golden.
Step 2: Woke up next day feeling like I'd been tackled by a linebacker (turns out whiplash doesn't care about bumper damage).
Step 3: Assumed PIP would cover everything, no sweat—rookie mistake.
Step 4: Realized my policy had sneaky little limits and exclusions tucked away in fine print.
Step 5: Ended up paying a chunk out-of-pocket, which hurt almost as much as my neck.
I mean, glad yours worked out smoothly, but I'd caution anyone reading this to triple-check those policy details. Insurance companies have a knack for making simple things complicated. Lesson learned: never underestimate the power of fine print...
Yeah, your story hits home for me. When I bought my first policy, I went for the cheapest option thinking, "Hey, insurance is insurance, right?" Then my roommate had a minor accident—nothing major, just some bruises and soreness—but turns out her PIP barely covered half the medical bills. Made me realize cheap isn't always better, especially when it comes to coverage limits. Definitely learned to read the fine print and weigh cost vs. coverage carefully...
Totally get where you're coming from. I used to think PIP was just another box to tick off, but after my cousin's fender-bender, I got skeptical real quick. Here's what I learned: first, check your state's minimum requirements—sometimes they're barely enough. Next, actually read the coverage details (boring, I know...). Finally, weigh the extra cost against peace of mind. I'm still not convinced higher coverage is always worth it, but it's definitely worth a second look before you sign anything.
