Compare Auto Insurance, an auto insurance brokerage website, offers the following guide to explain how people injured in car accidents can get their physical therapy costs paid by their auto insurance policy.
Drivers who got involved in car accidents may require physical therapy. Car insurance will cover the cost of physical therapy if it’s medically necessary. In at-fault states, the cost of physical therapy is covered by the at-fault driver’s policy, while in most no-fault states, this cost will be covered by the medical payments coverage, regardless of who was at fault.
Considerations to Keep in Mind
Drivers who require physical therapy after a car accident should consider the following:
- The at-fault driver must pay for physical therapy. The at-fault driver is obliged to pay for all the medical expenses, including the physical therapy of the injured persons. If the at-fault driver’s insurance policy is used up, then the at-fault driver can be sued to use their own assets to cover additional medical expenses.
- Injured persons can receive treatment upfront. Several clinics can provide physical therapy treatment at no cost while the injured persons are waiting to receive payment from the insurers. In some cases, physical therapy clinics will provide treatments to persons who are waiting for the outcome of a lawsuit.
- Health insurance can also be used to pay for physical therapy. Drivers who got injured in a car accident will use their car insurance first up to its limits. After that, they can use their health insurance to cover the remaining costs of physical therapy.
- In some cases, car insurance doesn’t cover physical therapy. Persons who got injured by an uninsured or underinsured driver will not be paid for physical therapy. In this case, the injured driver will have to sue the at-fault driver. Persons who are at-fault in an accident and are having only liability insurance will not be reimbursed for physical therapy. Some drivers are having too little coverage. If an at-fault driver only has the state’s minimum required coverage, then that policy can be exhausted before the injured person can begin the physical therapy treatment. Some persons receive physical therapy even if it’s not medically necessary. In these cases, insurance providers can refuse to cover these bills.
[Source(s): Internet Marketing Company, PRWeb]