I get the gambling analogy, but honestly, insurance feels less like dice-rolling and more like budgeting to me. I'd rather pay a predictable amount each month than suddenly owe thousands after an accident... peace of mind counts for something, even if it's annoying to pay extra.
Yeah, I see your point about budgeting—it does feel better knowing exactly what's coming out of your account each month. But do you ever wonder if you're actually getting your money's worth? I've always been skeptical about insurance companies (they're businesses, after all), but after my cousin got rear-ended last year and had to deal with medical bills, I started reconsidering. Maybe the peace of mind really is worth it... even if it feels like we're paying for something we might never use.
Totally get the skepticism—insurance can feel like paying for air sometimes. But think of PIP insurance like this: if you're hurt in an accident, it kicks in right away, covering medical bills step-by-step without waiting on fault investigations. It's basically your "just-in-case" cushion...
"It's basically your 'just-in-case' cushion..."
True, but honestly, I thought it was pointless until my buddy rear-ended someone during our cross-country trip. PIP kicked in pronto, covered his ER visit without any drama or delays. Suddenly felt less like throwing money away...
"Suddenly felt less like throwing money away..."
Haha, exactly how I felt about it until my '68 Mustang decided to kiss a mailbox last summer. Nothing major, but enough to make me appreciate the PIP coverage. Quick rundown from experience:
- Covers your medical bills right off the bat, no finger-pointing or waiting around.
- Doesn't matter who's at fault—your policy, your protection.
- Can even help with lost wages if you're sidelined for a bit.
It's like that spare tire in your trunk—you roll your eyes until you actually need it...
