That's a good point about the hidden gaps in health insurance—I hadn't really considered ambulance fees or out-of-network charges. I commute daily and always assumed my health plan would cover most things, but now I'm wondering if that's enough. Does anyone know if PIP coverage varies significantly by state? Might be worth checking into specifics before making a decision...
Yeah, ambulance fees caught me off guard too when I first started looking into insurance. PIP coverage definitely varies by state—some places it's mandatory, others optional, and limits can differ quite a bit. Worth double-checking your state's specifics before committing...
"Worth double-checking your state's specifics before committing..."
Yeah, definitely don't skip that step. I've seen folks assume their PIP covers everything, then get blindsided by ambulance bills or physical therapy costs. Honestly, I'm still skeptical about how much PIP really helps in some states... always feels like there's a catch somewhere.
"always feels like there's a catch somewhere."
Yeah, that's exactly it... PIP is helpful as a quick safety net, but I've learned not to rely on it completely. Had a family member find out the hard way—coverage ran out faster than expected, and suddenly those medical bills piled up. Better safe than sorry.
"coverage ran out faster than expected, and suddenly those medical bills piled up."
Yeah, sounds about right. Ever actually read the fine print on your PIP policy? Feels like you need a law degree just to figure out what's covered and what's not. Had a fender-bender a few years back, thought I was golden until the bills came—apparently some treatments were "optional." Who decides what's optional after an accident anyway? Always feels like they're making it up as they go...
