"does PIP coverage kick in immediately, or is there usually a waiting period?"
Typically, PIP kicks in right away—no waiting period involved. It usually covers physical therapy too, not just immediate ER visits. Still, policies vary quite a bit... anyone checked their fine print lately to confirm specifics?
"Still, policies vary quite a bit... anyone checked their fine print lately to confirm specifics?"
Good point about the fine print—I remember after my fender-bender last year, I assumed physical therapy was covered right away. Luckily it was, but turns out my policy had limits per session... always worth double-checking those details.
Yeah, I've seen this catch people off guard plenty of times. Had a client once who assumed their PIP would cover all lost wages after an accident... turned out there was a weekly cap and a total limit. They were pretty frustrated, understandably. It's always best to clarify exactly what's covered—medical bills, lost income, even childcare expenses—before you actually need it. Saves a lot of headaches later.
"Had a client once who assumed their PIP would cover all lost wages after an accident... turned out there was a weekly cap and a total limit."
Yeah, that's exactly the kind of thing that worries me. I always assumed PIP was pretty straightforward, but now I'm wondering—does it typically cover stuff like therapy or rehab sessions too? Or is that another one of those hidden limits you don't find out about until it's too late? Seems like insurance policies always have these sneaky little details...
Yeah, therapy and rehab sessions are usually covered under PIP, but like you said, there are often hidden limits. From what I've seen, most policies do include medical expenses like physical therapy or counseling, but there's typically a total coverage cap. For example, my policy covers therapy sessions, but only up to a certain dollar amount or number of visits per year. After that, you're on your own or relying on health insurance.
Honestly, the best thing you can do is read your policy closely or call your agent and ask specifically about therapy coverage. I learned the hard way years ago after a minor accident—thought everything was covered, then got hit with bills because I'd maxed out my PIP limit without realizing it. Insurance companies aren't exactly eager to highlight these details upfront, so it's worth double-checking before you actually need it...
