You're spot on about those sneaky exclusions buried in the fine print. When I was comparing policies, I found it helpful to specifically ask agents about scenarios involving specialized medical treatments—like physical therapy or chiropractic care. Some policies look great on paper but cap certain treatments ridiculously low. Have you noticed if there's a big difference in how policies handle alternative treatments or rehab services? Curious if anyone else has run into this...
"Some policies look great on paper but cap certain treatments ridiculously low."
Yeah, ran into exactly this when my wife needed chiropractic care after a minor fender-bender. It's frustrating how quickly those caps kick in. Good call asking agents directly—definitely saves headaches later.
Had a similar experience a few years back after a road trip mishap—nothing major, just a sore neck from someone rear-ending me at a stoplight. Thought my policy was solid until I realized how quickly those limits got eaten up by just a handful of chiropractor visits. Definitely learned the hard way to read the fine print carefully. Good on you for checking with agents directly, probably saved yourself some nasty surprises down the road...
Had something similar happen when someone ran a stop sign and clipped me—just minor bruises and stiffness, thankfully. Initially assumed my PIP coverage would comfortably handle it, but after an ambulance ride and a couple hospital visits, I was shocked at how fast those limits disappeared. It's definitely worth double-checking your policy details regularly, because medical costs can pile up quicker than you'd expect... learned that lesson firsthand.
Good point about medical costs sneaking up, but honestly, instead of just upping PIP limits, I'd suggest looking into a decent health insurance plan. Usually cheaper overall and covers way more than just car accidents... might save you some cash in the long run.
