A car accident can be stressful on many levels. Not only is there frequently a physical injury but there is often a big financial question mark as well. Many car accident injuries are severe enough to require some form of physical therapy treatment. Physical therapy can help to speed recovery, lower pain, and rebuild strength after a car accident. So the question is, if physical therapy treatment is deemed necessary, who is responsible to pay for it? Usually, when a driver causes a crash, they are legally liable to pay for the treatment of injuries incurred. Of course, many states have differing laws regarding legal liability, but here are a few ways physical therapy payment is commonly obtained following a car accident:
- Car Insurance - if the other driver is deemed at fault, their car insurance policy may cover the cost of physical therapy. In some cases, the insurance company will pay for physical therapy beforehand, while in other cases they may reimburse the patient after treatment is completed.
- Patient Health Insurance - if a car accident claim is in process, a doctor can still begin treatment without payment once the patient signs a medical lien. A medical lien is an official agreement to pay the outstanding medical bills once the personal injury claim is settled.
- Lawsuit - if there is a dispute regarding the car accident, proving the case by following a lawsuit may become necessary. The jury will then award reimbursement for medical bills and other damages to the appropriate party.
It is critical to note that if a healthcare provider states that physical therapy is indeed needed, then it is important to receive the recommended physical therapy. If an insurance adjuster sees that the physical therapy protocol is not being followed, they may decide that the “hurt” does not fit the claim.
Ace Rehab can help you recover physically and financially from a car accident. We will communicate with doctors and insurance companies regarding your specific treatment needs. Reach out to our office to learn more today!
The team at ACE Rehab is here to guide you after an automobile accident. We will assist you in navigating insurance claims and offer you personalized treatment plans to get you back to your pre-injured self.