I am finding out more than I wanted to know about insurance when it is
someone elses fault. In Washington State, they offer what is called PIP,
personal injury protection. I had never heard of it. It pays out when the
other driver is at fault. Not to be confused with uninsured/underinsured
motorist coverage. I couldn't understand why this would matter if the other
party was at fault. Now that I've been in an accident I know. The insured
party's policy will only pay out AFTER YOU SETTLE! So, while I am waiting
to heal, going to consults, visiting various doctors, the ambulance ride,
emergency room, specialists, etc have far exceeded the wimpy $2000 limit on
my PIP policy, and the bills are going unpaid. I refuse to settle until the
full extent of medical services, treatment, and level of permanant damage I
have sustained are known. If your state works like this MAX OUT YOUR PIP
LIMITS!
David R.
----- Original Message -----
From: "Jay Fishbein" <jfishbein@snet.net>
To: <spridgets@autox.team.net>
Sent: Friday, June 12, 2009 12:42 PM
Subject: Re: [Spridgets] Bugeye Insurance
> Well said.
>
> Some States only require $10,000 or $20,000 liability coverage. In some
> cases,
> that equates to a visit to the emergency room.
>
> This is another reason why you need someone to explain your options on
> these
> coverages.
>
> For example, when you try to ask a State Specific question to someone at
> one
> of these gorilla-sized 1-800 companies the person on the other end of the
> phone who is "licensed" to sell insurance in all 50 states, know little or
> nothing about what is available to you in your own state.
_______________________________________________
Support Team.Net http://www.team.net/donate.html
http://www.team.net/archive
http://autox.team.net/mailman/listinfo/spridgets
|