Fair points, but honestly, it's not always as shady or random as it seems. A few things to keep in mind:
- PIP usually has clear limits—like $10k or $15k—and once you hit that cap, you're on your own. It's not really about what's "optional," more about what's medically necessary.
- Yeah, the fine print sucks (trust me, I've read way too much of it), but most policies spell out pretty clearly what treatments qualify.
- If you're unsure, ask upfront. Saves a lot of headaches later...and fewer surprises when the bills roll in.
Good breakdown overall, but one thing I'm still fuzzy on—how does PIP coverage interact with health insurance? Say you hit your PIP limit, does your regular health insurance automatically kick in, or is there some messy coordination involved? I've heard stories of people getting stuck in paperwork limbo between insurers, and I'd rather avoid that headache if possible...
From what I've seen, it's rarely automatic. Usually, once your PIP hits its limit, your health insurance can step in—but you'll probably have to notify them yourself and provide documentation showing you've maxed out your PIP coverage. It can get messy if both insurers start pointing fingers at each other... I'd recommend keeping detailed records of everything from day one, just in case you end up needing to untangle things later.
Good points, but from experience I'd add:
- Definitely notify your health insurer ASAP once you see you're nearing the PIP limit.
- Keep a running spreadsheet of dates, amounts, and claim numbers—saved me big headaches before.
- Expect some back-and-forth between insurers; patience helps here...
Interesting points, especially the spreadsheet idea—I can barely keep track of my Netflix password, let alone insurance claims, haha. But honestly, is it really necessary to notify your health insurer right away? I mean, wouldn't the auto insurer handle most of the communication anyway? Just curious because I've heard mixed things from friends who've been through this.
Also, about the patience thing... totally get it, but isn't there a point where you should push back a bit? My cousin had a minor accident last year, and the insurers kept bouncing him around for months. Eventually, he had to get a bit assertive to get things moving. Patience is good, but maybe there's a balance between waiting it out and politely nudging them along?
Anyway, appreciate the tips—definitely makes me realize how much I still need to learn about this stuff.
