Totally relatable on the snack indecision—I literally stood in front of the vending machine yesterday weighing the pros and cons of pretzels vs. peanut M&Ms longer than I spent thinking about my last insurance renewal. 🙃
But seriously, your point about bumping up the PIP coverage makes sense. From what I've read (still learning here, so correct me if I'm wrong), PIP kicks in no matter who's at fault and covers medical bills, lost wages, stuff like that. Basically, it's your safety net for those surprise ER visits or doctor check-ups after an accident. I haven't had to use it yet (knock on wood...), but after hearing your experience, I might double-check my limits too.
Seems like a small bump in coverage doesn't cost too much extra per month, right? Might be worth sacrificing a snack or two for peace of mind.
Yeah, totally agree on bumping up PIP coverage. Had a friend who got rear-ended last year—nothing major, but those chiropractor visits added up fast. Definitely worth skipping a few vending machine runs to avoid that headache later...
Good point about the chiropractor visits—they rack up quicker than you'd think. But honestly, it's not just medical bills. PIP can cover lost wages too, which people tend to overlook. Imagine you're out of work for a couple weeks after a minor accident—those missed paychecks hurt more than skipping snacks from the vending machine. Curious though, anyone know if PIP kicks in right away or is there usually some waiting period before benefits start rolling?
"Imagine you're out of work for a couple weeks after a minor accident—those missed paychecks hurt more than skipping snacks from the vending machine."
Yeah, that's spot-on. A buddy of mine had a fender-bender in his '68 Mustang last year—nothing major, but enough to keep him off work for about two weeks. He said his PIP kicked in pretty quickly, within a week or so after filing the paperwork. But I think it depends on your insurer and state regs...some places might drag their feet a bit longer. Always good to double-check your policy details beforehand.
Definitely good advice about checking your policy ahead of time. Had a similar experience myself when I sprained my wrist on a road trip—nothing major, but enough to sideline me from work for a bit. My insurer was decent, but it still took about two weeks before I saw any PIP payments. Seems like it's really hit-or-miss depending on your state and provider. Always better to know the details before you're stuck waiting around...
