Toast the Coconut and Pecans: Preheat your oven to 350°F (175°C). Spread coconut and pecans on a baking sheet and toast for 5–7 minutes, stirring halfway. Let them cool completely.
Make the Pudding Base: In a large bowl, whisk the pudding mix and milk for 2 minutes until thick and smooth. Let it rest for a minute to firm up.
Prepare the Chocolate Filling: Stir in melted chocolate and sweetened condensed milk until well combined. Gently fold in half of the whipped topping for a mousse-like consistency.
Add the Mix-Ins: Stir in half the toasted coconut and pecans. Reserve the rest for garnish.
Assemble the Pie: Pour filling into the crust and smooth the top with a spatula.
Chill Until Set: Cover with plastic wrap or foil and refrigerate for at least 4 hours, or overnight.
Garnish and Serve: Top with the remaining whipped topping, toasted coconut, pecans, and drizzle caramel if desired. Slice and serve chilled.