Yeah, paperwork's always a pain, but trust me, when you're labeled high-risk, it feels like they're just waiting for you to mess up. Couple years back, I got rear-ended at a stoplight—clearly not my fault—but because of my history, the PIP process dragged on forever. Felt like they were double-checking every comma and semicolon in my forms... Still skeptical about how fair the system really is, but hey, lesson learned: triple-check everything and maybe sacrifice a goat or something for luck.
Haha, sacrificing a goat might be the only thing I haven't tried yet... seriously tho, does anyone know if having dashcam footage actually speeds up the PIP process? Or is it still paperwork purgatory no matter what?
Dashcam footage definitely helps clarify who's at fault, but sadly, doesn't always speed up the paperwork side of things. Hang in there, though—once they have clear evidence, it usually smooths things out eventually... just gotta survive the initial paperwork chaos first.
"Dashcam footage definitely helps clarify who's at fault, but sadly, doesn't always speed up the paperwork side of things."
Yeah, dashcams are great for sorting out liability, but unfortunately, insurance paperwork has its own timeline. PIP kicks in pretty fast though—covers medical bills and lost wages regardless of fault, so at least that's one less headache while waiting on everything else.
Dashcams are definitely handy, but yeah, insurance moves at its own snail pace no matter what. PIP's a lifesaver though—my cousin had a minor accident last year, nothing serious thankfully, but she still had some medical bills and missed work. Her PIP coverage kicked in pretty quickly and covered most of it without hassle. Definitely made me realize it's worth paying attention to your policy limits and deductibles...especially if you're on a tight budget like me.
