Haha, potholes and curbs are basically my arch-nemeses at this point... ever had one of those moments where you hit something and just sit there for a sec, mentally calculating how much that's gonna cost? I swear, my mechanic probably has me on speed dial by now. But yeah, PIP's never covered any of my curbside adventures either—just the bruised ego and sore neck afterward. Anyone else feel like insurance is always great until you actually need it?
"Anyone else feel like insurance is always great until you actually need it?"
Yep, exactly my experience. Had a minor fender-bender last year—thought PIP would kick in, but nope... ended up paying out-of-pocket anyway. Makes me wonder what exactly we're paying for sometimes.
Yeah, that's frustrating... but did you check your deductible? Sometimes PIP coverage has a deductible that's higher than you'd expect, so smaller claims end up being out-of-pocket anyway. Also, was it just vehicle damage or medical expenses too? PIP usually covers medical bills and lost wages rather than car repairs. Insurance can feel like a maze sometimes—I get it—but knowing exactly what's covered (and what's not) can save headaches later on. Hang in there, you're definitely not alone in this confusion.
Yeah, good points overall. Just to clarify though, PIP usually doesn't have a deductible in every state—depends on your policy and location. And you're right, it mainly covers medical expenses and lost wages, not vehicle repairs. If the OP's dealing with car damage only, collision or comprehensive coverage would kick in instead. Insurance can be tricky... always worth double-checking your policy details directly with your provider to avoid surprises later.
"Insurance can be tricky... always worth double-checking your policy details directly with your provider to avoid surprises later."
Definitely learned that the hard way recently. Thought I had collision coverage until a deer jumped out in front of me... turns out I didn't. Now I'm triple-checking everything. Curious, does comprehensive usually cover animal collisions everywhere or is that another state-by-state thing?
