Glad you're okay—jogging incidents can be pretty scary. One thing I've noticed is that some policies have specific exclusions for pedestrians or cyclists. Did your policy explicitly mention coverage for non-vehicle accidents, or was it more general...?
Had a similar situation myself a couple years back—wasn't jogging, but I was crossing the street and got clipped by a turning car. Thankfully nothing serious, just bruises and a sprained ankle. Anyway, when I checked my PIP coverage afterward, it turned out mine was pretty general. It covered me as a pedestrian, cyclist, or even passenger in someone else's car. But I've seen plenty of policies that explicitly exclude certain scenarios or have weird loopholes. Best thing to do is pull up your policy documents and look under the "covered persons" or "exclusions" sections—they usually spell it out pretty clearly there. If it's vague, you might wanna call your insurer directly to clarify... better safe than sorry with these things.
"Best thing to do is pull up your policy documents and look under the 'covered persons' or 'exclusions' sections—they usually spell it out pretty clearly there."
Yeah, usually that's true, but honestly I've found some policies to be annoyingly vague even in the exclusions section. I had one a while back that made me call my agent twice because the wording was super unclear about scenarios involving family members borrowing the car. Definitely worth double-checking directly with the insurer if you're unsure...better than finding out after the fact.
Yeah, I've noticed insurers love their gray areas...keeps things interesting, right? Had a similar headache when my brother borrowed my car—policy wording was clear as mud. Definitely worth a quick call to avoid surprises later.
"policy wording was clear as mud."
Haha, exactly my experience. Reminds me of when my roommate borrowed my car for a quick grocery run and ended up rear-ending someone at a stoplight (nothing serious, thankfully). Thought my PIP would cover everything smoothly, but nope—turns out insurers have a PhD in loopholes. Definitely learned the hard way to double-check the fine print before handing over the keys...or maybe just hide them better next time.
