Did you actually exchange info with the other driver, or just leave it at a quick look-over? If there's genuinely no visible damage, reporting can som...

Fair point, but isn't it reasonable to expect agents to at least know the basics of how PIP kicks in after an accident? I mean, if they're selling us ...

Had a similar thing happen years ago with my classic Mustang—buddy borrowed it for a few weekends, and the insurance threw a fit. Ended up with a prem...