[Spridgets] Bugeye Insurance

[David Riker]

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 at snet.net>
To: <spridgets at 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.