I've actually had both MedPay and PIP together for a couple years now... thankfully haven't had to use them yet (knock on wood), but from what I've heard from friends who've dealt with claims, MedPay can actually simplify things. Basically, it kicks in quickly and covers immediate medical bills without worrying about fault. PIP is broader but can be slower or trickier sometimes. I'd say it's like having a spare tire—doesn't hurt to have it, even if you hope you'll never need it.
Yeah, MedPay definitely streamlines things when you're dealing with immediate medical expenses—less paperwork and hassle upfront. PIP's broader coverage is nice, but sometimes the claims process can drag a bit...still worth having both, imo. Like you said, better safe than sorry.
True, MedPay simplifies upfront costs, but I'm not entirely convinced having both is always practical. For younger drivers or those on tighter budgets, the overlap in coverage might not justify the extra premium...depends heavily on individual circumstances, I'd say.
Had a friend in college who thought similarly—skipped MedPay because his PIP already covered enough. Worked out fine for him, luckily. But I wonder, does anyone know if certain states make having both more beneficial somehow?
I've wondered the same thing—knew someone who went through a similar debate, actually. I think it really depends on your state laws...like in some no-fault states, PIP is mandatory and pretty comprehensive, making MedPay seem redundant. But in others, having both can help with deductibles or co-pays that PIP doesn't fully cover. Honestly, insurance always feels like gambling to me—paying extra just in case something weird happens. Anyone else feel like they're rolling dice every renewal period?
