I had a similar experience when my sister got rear-ended during a road trip a couple years back. Her PIP coverage did kick in, but it wasn't exactly smooth sailing. She had to make multiple calls and provide extra paperwork because the accident happened out-of-state. Seems like insurers love their fine print... Wonder if that's standard practice, or if some companies handle interstate claims better than others?
I've heard similar stories, but I wonder if it's really about insurers loving fine print or more about state regulations varying so much? Maybe some states just make it tougher for out-of-state claims... Has anyone compared experiences across different states?
"Maybe some states just make it tougher for out-of-state claims..."
Could be onto something there. When I moved from PA to NJ last year, my premium jumped noticeably, and the agent mentioned NJ's stricter PIP rules. Definitely seems like regulations vary a lot state-to-state...
Interesting point about NJ's PIP rules, but I'm not totally convinced it's just about being stricter with out-of-state claims. When I insured my '69 Mustang after moving from NY to CT, my premium actually dropped a bit, even though CT has pretty robust PIP coverage requirements. Maybe it's not just about strictness but also how each state calculates risk or handles classic vehicles differently? Could also be something about population density or accident rates factoring in. Honestly, insurance seems like a bit of a black box sometimes...
Interesting to hear about your premium dropping despite CT's robust PIP rules. As someone looking into insurance for the first time, this stuff is honestly confusing me... From what I've read, it seems like classic cars sometimes get special treatment—maybe that's why your Mustang got a better deal? Wondering if anyone knows whether insurers factor in vehicle age or rarity differently when calculating PIP coverage specifically, or is it more about general risk factors like accident stats and density?
