Actually went through something similar a few years back. Had a minor accident—nothing serious, but ended up needing some physical therapy sessions. My PIP coverage was decent but ran out quicker than I expected. Thankfully, my health insurance picked up the rest without too much hassle. So yeah, having both definitely gave me peace of mind... worth considering both angles if you're cautious like me.
Had a similar experience myself, though my driving record isn't exactly spotless. My PIP coverage was pretty barebones, so it ran dry fast after a fender-bender. Health insurance stepped in eventually, but the paperwork was a headache. You're right though—having both does ease some anxiety. Good to hear your situation worked out smoothly; navigating insurance claims can be a real pain sometimes...
Totally agree, PIP can be a lifesaver but it's usually pretty limited. Had a buddy with a classic Mustang who got rear-ended at a stoplight—nothing major, but he tweaked his neck enough to need some PT. His PIP covered initial treatments, but ran out quick. Health insurance picked up later, but like you said, paperwork was a nightmare. Good reminder to check your policy limits regularly, especially if you're driving something vintage that's harder to replace or repair...
Just bought my first policy a few months ago and honestly, the whole PIP thing confused me at first. My cousin had a similar deal—minor fender bender, thought he was fine, but ended up needing chiropractor visits. His PIP barely covered half... definitely made me rethink my coverage limits.
"His PIP barely covered half... definitely made me rethink my coverage limits."
Yeah, that's exactly why I bumped mine up a bit. I figured paying a little extra each month beats getting stuck with surprise medical bills later. Insurance is one of those things you hope you'll never need, but when you do...
