Yeah, I get where you're coming from. I've had friends stuck in paperwork nightmares too...but when my wife had her fender-bender last year, our insurer actually stepped up pretty quickly. Guess it depends on who you're dealing with? Still, doesn't hurt to stay cautious.
Had a similar experience when my son got rear-ended a couple years back. Our insurer handled the PIP claim pretty smoothly—covered medical bills without much fuss. But I've heard plenty of horror stories too, especially when injuries get complicated or there's confusion about who's at fault. Seems like having clear documentation and knowing your policy details can save a lot of headaches later on...
Yeah, I've had mixed experiences with PIP myself. A few years ago, my wife got sideswiped at an intersection—nothing major, but she ended up needing physical therapy. At first, our insurer was pretty cooperative, but once the bills started piling up and treatment dragged on, they got a bit stingy. Had to jump through hoops proving the therapy was necessary. Definitely agree about documentation though...keeping detailed records saved us from a bigger headache down the line.
I've noticed insurers can get cautious when therapy sessions extend beyond their initial estimates. Did your provider give you trouble over specific types of treatments or just the duration of therapy overall? Curious because I've seen varying responses depending on the treatment approach...
When I had my accident a couple years back, my insurer got picky once therapy went beyond their initial timeframe. It wasn't really about the treatments themselves—more like they questioned if ongoing sessions were still "medically necessary." Had to get extra documentation from my therapist... bit of a hassle.
