"copays and deductibles add up faster than you'd expect."
Yeah, that's exactly why PIP can be a lifesaver. Honestly, it's one of those coverages people tend to overlook because it feels like just another expense... until something actually happens. I get it—no one likes paying extra for something they might never use, myself included. But I've seen firsthand how quickly medical bills pile up after even minor accidents. A friend of mine had a fender bender last year, nothing serious, but the ER visit and physical therapy sessions afterward? Ouch. Without PIP, she'd have been stuck paying a hefty chunk out-of-pocket.
The thing is, PIP kicks in right away, regardless of who's at fault, and usually covers things your health insurance might skimp on—like lost wages or even childcare if you're laid up. It's not flashy, but it's practical, especially if you're budget-conscious (like me). Definitely worth crunching the numbers and seeing if it makes sense for your situation.
Totally agree on the sneaky costs of copays and deductibles. I used to think PIP was just another way insurance companies squeezed money out of us, but after my coworker slipped on ice last winter and ended up needing months of PT, I changed my tune pretty fast. Health insurance covered some, sure, but she was still stuck juggling bills. Made me rethink my own coverage... better safe than sorry, right?
Yeah, hearing stories like that makes me nervous too. Just got my first policy and went for PIP coverage—figured it's worth the peace of mind. Hope your coworker's doing better now... medical bills can be brutal.
Yeah, medical bills can pile up crazy fast... good call on going for PIP. I've had it for a couple years now, and honestly, just having it makes driving feel a bit less stressful. I still wonder though, does anyone know if there's a cap or limit on what PIP covers? Like, is it usually enough to handle serious accidents, or do people often end up paying out-of-pocket anyway? Glad your coworker's on the mend, btw—hope things smooth out for them soon.
"does anyone know if there's a cap or limit on what PIP covers?"
Yeah, there's usually a cap—depends on your state and policy. Mine covers up to 10k, which sounds good until you see hospital bills these days... Serious accidents might overshoot it, so having extra coverage never hurts. Glad your coworker's improving though!
