True, insurers aren't charities, but I'd argue accident forgiveness can still be worth it depending on your ride. When I dinged my Audi last year (not...

Had a similar experience a couple years back—got clipped by a turning car while jogging. My PIP actually covered medical bills without hassle. Policie...

Fair point, but honestly, sometimes extra rental insurance can be overkill depending on your situation. I've found that if you already have solid rent...