Haha, exactly! But I'm curious—does telematics factor in stuff like sudden braking or acceleration? Asking because my classic Mustang isn't exactly kn...

Good points, especially the prepaid SIM idea—never thought of that one before. But I'm curious, have you ever actually had to use the cash stash? I've...

From what I've seen, it's rarely automatic. Usually, once your PIP hits its limit, your health insurance can step in—but you'll probably have to notif...