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I declined it for $1600 i figured even if i damage my wheels or tires several times only then would it pay out. Just last month i hit a pothole and had to replace just my front left tire (thankfully, just the tire) ended up paying 300 total for the replacement all season run flat. Still dont regret not taking it, especially given that this was just a realllly bad winter and the roads im not expecting to be just as bad the next 3 winters. Since you have pss i would definitely suggest a winter wheel setup, in which case of course you should pass on protection plan.
Edit : im in bergen county,nj
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