Last month, I had a minor accident—nothing serious, thankfully—but ended up needing a few stitches and an x-ray. Thought my medical payments coverage would handle it all, but turns out there's a limit I didn't even realize was there. Now I'm stuck covering the rest myself. Kinda frustrating, you know? Wondering if this is common or if I just missed something obvious in the fine print. Has anyone else run into this kinda thing before?
Honestly, it's pretty common to have limits on medical payments coverage—it's usually spelled out somewhere in the policy details. I get that it's frustrating, but insurance companies aren't exactly known for being generous without clear boundaries. Learned this myself after a bike accident last year... ended up paying more than expected because of similar limits. Always worth double-checking your policy specifics beforehand, even if it feels tedious.
