Just learned that in no-fault states, your own PIP insurance covers medical bills no matter who caused the accident. Kinda weird but makes sense, I guess. Curious if anyone has tips or hacks for dealing with PIP claims smoothly?
"Just learned that in no-fault states, your own PIP insurance covers medical bills no matter who caused the accident. Kinda weird but makes sense, I guess."
Haha yeah, insurance logic can be pretty counterintuitive sometimes. Had a minor fender-bender last year and learned the hard way—best tip is to keep every single receipt and document EVERYTHING. Trust me, future-you will thank past-you later...
Yeah, learned this the hard way myself a couple years back. Got rear-ended at a stoplight—totally not my fault, but still had to deal with my own insurance for medical bills. Felt weird at first, like why am I paying premiums if I'm not even at fault? But honestly, it streamlined things a lot. Didn't have to wait around for the other driver's insurance to drag their feet or argue about who was responsible.
One thing I'd add: don't underestimate how quickly medical costs can pile up, even from minor accidents. Had some neck stiffness and thought it'd just go away... nope. Ended up needing physical therapy for a few weeks. Glad I documented everything from day one, because insurance companies love paperwork and details. It's annoying, but it saves you headaches down the road.
Yeah, dealing with insurance after an accident is always a bit surreal. Had a client once who got rear-ended in a drive-thru line (seriously, who hits someone waiting for fries?). She thought she was fine at first, but ended up needing chiropractic visits for months. You're spot-on about documenting everything—insurance companies practically live for paperwork. It's tedious, but having those details handy can really smooth things out later. Glad you're past the worst of it now.
She thought she was fine at first, but ended up needing chiropractic visits for months.
Had a similar experience when someone clipped my bumper at a stoplight—barely noticeable damage, but the medical stuff dragged on forever. Agree 100% about paperwork; keeping detailed notes saved me from major headaches later.
