"Seems like insurers might drag their feet a bit more with drivers like me..."
Honestly, I don't think your driving history directly affects how quickly PIP kicks in. A few years back, I had a minor accident (totally my fault, unfortunately), and even though my premiums were already high from previous tickets, my PIP claim went through pretty smoothly. They mostly cared about medical documentation and verifying the injuries rather than scrutinizing my driving record again. Might depend on the insurer, but generally, PIP seems pretty straightforward regardless of risk level.
Yeah, I'd agree with this overall. From what I've seen, insurers mostly focus on the medical side—making sure the injuries and treatments line up. Had a friend who was a pretty reckless driver (multiple speeding tickets, etc.), and when he had a minor accident, his PIP claim still went through without much hassle. They didn't seem overly concerned about his driving record at that point... more about verifying the medical bills and treatments matched up with the claim. Guess it could vary by provider though.
Interesting, I've always wondered about that. I mean, my driving record isn't exactly spotless either (a few speeding tickets here and there... okay, maybe more than a few), and I've always assumed insurers would be all over that stuff if I ever had to file a claim. But it makes sense they'd focus more on the medical side—guess that's where the real money is. Still, you'd think they'd at least glance at your driving history, right? Or maybe that's just me being paranoid, haha.
"Still, you'd think they'd at least glance at your driving history, right? Or maybe that's just me being paranoid, haha."
Nah, you're definitely not paranoid—it's smart to be cautious. When I got my first insurance policy, I was pretty nervous too, especially since I knew my driving record wasn't exactly perfect. But turns out insurers mostly care about fault and injuries when it comes to PIP claims. Your speeding tickets might affect your rates, sure, but they're not usually the main focus during claims processing. It's good you're thinking ahead though... being careful never hurts.
"Your speeding tickets might affect your rates, sure, but they're not usually the main focus during claims processing."
Yeah, exactly. I had a couple speeding tickets myself (oops), and when I had to use my PIP after a minor accident, they didn't even bring it up. Honestly, insurers mostly just wanna know who caused the accident and how much it's gonna cost them. Your driving record matters more when you're renewing or switching policies, not so much during claims. But hey, paranoia keeps us safe, right?
