"It's not fun paying extra upfront, but honestly, the peace of mind might be worth it."
Totally get that... I used to think PIP was just another annoying expense until I saw firsthand how quickly medical bills stack up. Now I'm pretty cautious—better safe than sorry, right?
I used to feel the same way about PIP until a minor fender-bender turned into a real headache. At first, I thought it was just a sore neck, but after a couple days, the pain got worse and I ended up needing physical therapy. Without PIP, those sessions would've come straight out of my pocket. It's one of those things you don't appreciate until you actually need it...
Exactly—it's annoying until suddenly it's not."better safe than sorry, right?"
I get your point, but honestly, isn't that what regular health insurance is supposed to cover? Seems like PIP could be redundant if your health coverage already handles physical therapy and medical bills. Just thinking out loud here...
"Seems like PIP could be redundant if your health coverage already handles physical therapy and medical bills."
Fair point, but keep in mind regular health insurance usually won't cover lost wages or certain out-of-pocket expenses after an accident. PIP fills those gaps, so redundancy isn't always clear-cut...depends on your situation.
I used to think the same thing until my cousin got into a fender-bender last year. Nothing major, just rear-ended at a stoplight. Her health insurance was decent and covered most of her medical stuff, like doctor's visits and physical therapy. But she ended up missing about two weeks of work because her back pain made it tough to sit at her desk all day. That's when we realized health insurance doesn't touch lost wages or things like transportation costs—she couldn't drive comfortably, so she had to Uber everywhere for a bit.
PIP stepped in there, covering the wages she missed and reimbursing those extra transportation expenses. Honestly, before that happened, I thought PIP was kind of unnecessary too...but since then, I've been pretty cautious about dismissing it outright. It might seem redundant on paper, but in practice, it can really save you from unexpected headaches.
