"don't underestimate the power of phone calls over emails when things stall out."
I get your point, but honestly, I'd rather stick to emails. Phone calls are great until someone conveniently "forgets" what they promised... at least emails leave a paper trail if things go sideways.
Totally get you on the email thing—I've been there. When we had a minor fender-bender last year, I made sure to follow up every phone call with a quick recap email. Basically like, "Just to confirm what we discussed..." Helps keep everyone honest, you know? PIP can get complicated, and when you're dealing with insurance, it's always better to have something in writing if things get messy later. Better safe than sorry...
"Helps keep everyone honest, you know? PIP can get complicated, and when you're dealing with insurance, it's always better to have something in writing if things get messy later."
Exactly this. PIP coverage varies a lot by state and provider, but generally speaking, it's designed to cover your medical costs regardless of who's at fault. Keeping detailed records—emails, notes, receipts—is always wise in case disputes arise later.
Had a minor fender-bender a few years back with my '68 Mustang—nothing major, thankfully, but enough to rack up some medical bills. Thought PIP would be straightforward, but man, was I wrong. Even with detailed notes and receipts, the insurance company kept questioning every little thing. Eventually got sorted, but it taught me never to underestimate how complicated these claims can get. Definitely agree that keeping thorough records is key...you never know when you'll need them.
"Even with detailed notes and receipts, the insurance company kept questioning every little thing."
Yeah, insurance companies can be picky, but honestly, my experience with PIP was pretty smooth. Maybe it depends on the insurer or even the adjuster you get... luck of the draw sometimes.
