Honestly, I've never maxed mine out personally, but a buddy of mine did after a pretty nasty accident last year. From what he said, once you hit that PIP limit, things get messy fast—medical bills start piling up and your health insurance or the other driver's coverage has to step in. Seems like it can turn into a real headache sorting out who pays for what... Makes me wonder if it's worth upping the PIP coverage limits just to avoid that hassle?
I get why you'd consider upping the limits, but honestly, I've always felt like higher PIP coverage is just throwing money away. Had a minor fender-bender couple years back and my regular health insurance stepped in smoothly—no real hassle. Guess it depends on your situation though...
Had a different experience myself... friend of mine got rear-ended pretty hard last year, and his regular health insurance covered most stuff, sure—but PIP kicked in for things like lost wages and even some rehab sessions that weren't fully covered. Made me rethink it a bit. Guess it's not always black-and-white.
Hadn't really thought about PIP much until a coworker had a similar situation. She got sideswiped pretty bad, and while her health insurance was decent, there were still gaps—especially with physical therapy and some missed workdays. PIP stepped in and covered those bits, which made a noticeable difference for her. I used to think it was just another add-on, but seeing it actually help someone I know changed my perspective a bit. Guess it's one of those things you don't appreciate until you need it...
Interesting, hadn't considered the missed workdays angle before. Does anyone know if PIP coverage varies a lot by state or is it pretty standard everywhere? Just trying to wrap my head around it all...
