The Lesson We Can All Learn from ‘Brian’
March 9th, 2010SUV after hydroplaning
First, I would like to thank God for protecting my friend’s son after flipping his vehicle last night. Brian could have been hurt so much worse than he is now. Second, I have changed his name to Brian to protect the innocent. Haha
A buddy of mine called me this morning and told me he was up until 3 AM because his son was driving home last night and ended up flipping his car. Apparently, Brian drove over some water in the road left from the earlier rains. This caused him to hydroplane. He was unable to maintain control of the vehicle and ended up flipping into the ditch. Brian had to actually crawl out of the rear window because of the damage done to his door.
After a quick trip to the ER, Brian found out he was an extremely lucky individual in that no major injuries were sustained. Outside of some bumps and bruises, there really was no impairment they could find.
So what is the lesson we are to learn from this? To explain that, we must first rewind time a little bit to a few months ago.
My friend was going over his auto insurance policy and noticed his Personal Injury Protection (PIP) was set at only $2500. Most people aren’t even aware there is such a thing on their policy unless they have had to use it. My friend made the decision to double his PIP to $5000, which costed him a total of $10 on six months.
So what is PIP and why do you need to know about it?
PIP is a type of special insurance on your policy to protect you in the event you are injured in an accident involving someone with no insurance, an accident that is your fault, and/or an accident where no other parties are involved. This is money that can be used to pay for doctor bills, lost wages from work, therapy, etc. with no affect on your rates. The average cost to add this to your policy is about $25 for $2,500 in PIP and about $35 for $5,000 of PIP. For this to be a bad deal you would have to never be in a car accident for the next 50 years. The chances of that happening is extremely slim.
Because my friend decided to spend an extra $1.67 for the next 6 months on his insurance policy, he will not have to pay up to $5,000 in bills from a trip to the ER or any other doctor visits/treatments received. That is a heck of a deal if you ask me.
The moral of the story is to check your car insurance policy and add PIP coverage if it is not there. My recommendation is have at least $5,000 in coverage because $2,500 does not go very far as anyone who has made a visit to the hospital has found out.


