Honestly, you nailed most of it. Just to add—PIP also helps cut down on those endless back-and-forths between insurance companies about who’s at fault. That alone saves a ton of time and headaches for everyone involved. I’ve seen claims get stuck for months in states without PIP, just because nobody wants to take the blame. Sure, it costs a bit more, but the trade-off is fewer delays and less paperwork. Not perfect, but I’ll take it over the alternative any day.
- Not gonna lie, I get the less paperwork thing, but the extra cost bugs me.
- With three kids and a tight budget, every monthly premium hike stings.
- I’ve had claims in a non-PIP state, and yeah, it took a bit longer, but I’d rather wait than pay more every year.
- Guess it depends on how much you value convenience vs. saving a few bucks...
Honestly, I totally get where you’re coming from. Every time our premium goes up, I have to sit down and rework the budget—three kids here too, so it’s not like there’s a lot of wiggle room. The “convenience” of PIP is nice when something actually happens, but most years, I’m just watching that extra money disappear. Sometimes I wonder if the peace of mind is really worth it, or if we’re just paying for the insurance companies’ paperwork to be easier.
Man, I hear you about the budget gymnastics. Every year it feels like I’m just shuffling numbers around to make room for these “just in case” costs. Here’s what gets me: why is PIP even mandatory in some states but not others? Like, are accidents magically less expensive across state lines or something? I get the peace of mind angle, but sometimes it feels like we’re paying extra for a safety net we never use. Anyone else ever feel like they’re just funding someone else’s paperwork party?
Honestly, I get where you’re coming from. Last year, my neighbor got rear-ended and PIP covered stuff her health insurance wouldn’t touch. I used to think it was overkill, but now I’m a bit less annoyed about that line on my bill… Still feels like a racket some months, though.
