Actually, PIP usually covers your own medical expenses regardless of who's at fault, not vehicle damage or liability. Sounds like your confusion might've been more about collision coverage or liability clauses...insurance terms are tricky, though, so can't blame you for mixing them up.
"insurance terms are tricky, though, so can't blame you for mixing them up."
True, insurance jargon can feel like another language sometimes... I remember a client once thought PIP would cover their dented bumper. Had to gently explain that's collision territory, not medical. Happens more often than you'd think.
Yeah, insurance terms always trip me up too. When I first got my policy, I assumed PIP would cover any damage to my car—seemed logical at the time. Only realized later it's strictly medical stuff. Had to learn the hard way after a minor fender-bender... thankfully, repairs weren't too pricey, but still felt kinda silly for misunderstanding. Guess that's how most of us figure this stuff out, huh?
Yeah, insurance jargon can definitely throw you off track. When I first got my policy, I thought comprehensive would cover literally everything—turns out it doesn't handle collisions at all, just stuff like theft or hail damage. Had a similar wake-up call after a parking lot scrape. Curious though, has anyone actually used their PIP coverage for medical bills? Wondering how smoothly that process typically goes...
"Curious though, has anyone actually used their PIP coverage for medical bills? Wondering how smoothly that process typically goes..."
Had to use mine a couple years back after a minor rear-end accident. Honestly, the paperwork was straightforward enough, but double-checking details and following up regularly helped keep things smooth... insurance companies aren't exactly proactive, y'know?
