Just found out that PIP (personal injury protection) covers stuff your regular health insurance might skip, like lost wages or even childcare expenses if you're hurt in a car accident. Had no idea... anyone got more details on this?
They're definitely not the same thing, though I get why people mix them up. Health insurance usually just covers medical bills, but PIP steps in for stuff like lost wages, childcare, or even household help if you're injured in a car accident. I learned this the hard way when my brother-in-law got rear-ended and couldn't work for weeks—his regular insurance didn't cover his missed paychecks, but PIP did. It's worth checking your policy closely... better safe than sorry.
Yeah, totally agree with you there. A lot of folks assume their regular health insurance covers everything after an accident, but it's just not the case. Learned this myself when a buddy of mine wrecked his classic Mustang—beautiful car, by the way—and ended up needing physical therapy for months. His health insurance covered the medical side, sure, but he was outta luck on lost wages and extra help around the house. PIP would've made a huge difference... definitely worth double-checking your coverage details.
