"Had to get extra documentation from my therapist... bit of a hassle."
Yeah, insurers can get pretty skeptical once you cross their initial limits. Had a similar thing happen after a fender-bender last year—my PIP covered the first few months of physio no questions asked, but then they started asking for detailed notes and progress reports. Felt like they were trying to catch me out or something. Did your therapist charge extra for preparing that documentation, or was it included in your regular sessions?
My therapist didn't charge extra, thankfully. She just included it as part of our regular sessions. But I remember when my brother had an accident, his chiropractor billed him separately for every single piece of paperwork he needed for insurance. It added up pretty fast, too... felt like nickel-and-diming to me. Guess it depends on the provider and how they handle their billing. Did yours try to charge you extra?
Yeah, I agree it really depends on the provider. When my cousin had a minor fender-bender last year, she had to deal with PIP insurance too. From what she explained, it's important to clarify upfront with each provider exactly what's included in their billing. Some providers consider paperwork and documentation as part of their regular service, while others see it as an extra administrative task and bill separately.
She learned pretty quickly to ask directly about any potential extra charges before starting treatment. It might feel awkward at first, but it saves headaches later on. Also, keeping detailed notes of every conversation and expense helps a lot when dealing with insurance claims—just in case there's confusion or disputes down the road. Better safe than sorry...
You're spot on about clarifying charges upfront—I've seen plenty of confusion around this. One thing I'd add is that PIP coverage can vary significantly by state, not just by provider. Some states have strict guidelines on what's covered, while others leave it more open-ended. So it's worth checking your state's insurance department website or giving them a quick call to understand the baseline requirements.
Also, when you're documenting conversations and expenses, don't forget to keep track of dates and names of everyone you speak with. I've handled claims where having that info handy made all the difference in resolving disputes smoothly. And if you're ever unsure about something your provider tells you, don't hesitate to ask for clarification in writing—email works great for this. It might feel overly cautious at first, but trust me, having a paper trail can save you from headaches later on...
Good point about keeping track of names and dates—I learned that the hard way a few years back when I had a minor accident. Thought I'd remember everything, but when disputes popped up months later, it was a mess trying to piece it all together. Curious though, has anyone here had experience with PIP covering lost wages? I've heard mixed things about how smoothly that actually goes...
