I've been trying to wrap my head around car insurance stuff lately (ugh, adulting), and I'm still kinda fuzzy on the whole PIP vs medical payments thing. I get they're both supposed to help with medical bills after an accident, but like...are they basically the same thing or is there some sneaky fine print I should know about?
My agent tried explaining it, but honestly, it went in one ear and out the other. I just nodded along pretending I understood, lol. If anyone here has dealt with either of these coverages before or knows the ins-and-outs, I'd really appreciate a simple breakdown. Like, is one better than the other? Or do you usually need both? I'm in Florida if that matters at all.
Insurance jargon makes my brain hurt, so any real-world examples or experiences would be awesome. Thanks!
I feel you on the insurance headache...went through this myself when I moved to Florida a few years back. Basically, PIP (Personal Injury Protection) is mandatory here and covers your medical bills regardless of who's at fault, up to a certain limit. Medical payments coverage (MedPay) is optional and kicks in after PIP runs out, covering extra medical expenses. Personally, I added MedPay because hospital bills rack up FAST, especially after a nasty fender-bender I had in my old Mustang. Better safe than sorry, imo.
