I get your point, but I'm still on the fence about PIP. My employer offers pretty solid short-term disability coverage, which kicks in if I miss work due to injury or illness. Seems like that would cover lost wages too, right? I guess transportation costs could add up, but I'm wondering if it's worth paying extra for something that overlaps with coverage I already have...
Totally get where you're coming from—it's smart to question overlapping coverage. A couple things to think about though:
- Short-term disability usually covers lost wages, true, but it might not kick in immediately. Mine had a waiting period of about a week before benefits started, so PIP helped bridge that gap when I had my accident a few years back.
- Transportation costs can sneak up on you. I remember having to Uber everywhere for physical therapy appointments because I couldn't drive for a while. Those little trips added up faster than I expected...
- Also, PIP often covers medical co-pays and deductibles that your health insurance might leave you stuck with. Even good health plans can have surprising gaps.
You're right to weigh the pros and cons carefully—no one wants to pay extra for something they don't need. But from personal experience, having that extra cushion was reassuring when things got stressful. Just something else to consider as you make your decision.
"Transportation costs can sneak up on you. I remember having to Uber everywhere for physical therapy appointments because I couldn't drive for a while."
Good point about transportation costs—people underestimate that all the time. When I had my fender-bender last year, I assumed my health insurance would cover everything. But between the ER co-pays and a couple weeks of missed work before short-term disability kicked in, PIP really saved me from dipping into savings. Definitely worth crunching the numbers carefully before deciding either way...
That's a really good reminder about transportation costs—it's easy to overlook those smaller expenses until they pile up. I've always been a bit skeptical about PIP coverage, thinking my regular insurance would handle most things. But hearing your experience makes me reconsider...maybe it's worth another look. Glad you had it in place when you needed it.
You're right to reconsider PIP coverage—regular insurance can leave some surprising gaps, especially when it comes to medical bills and those sneaky transportation costs. I've seen clients underestimate how quickly these expenses add up after an accident. Honestly, it's one of those things you hope you'll never need, but when you do...you're really glad it's there. Good on you for keeping an open mind; better safe than sorry, right?
