Will My Insurance Cover Physical Therapy After a Car Accident?

The jolt experienced during a car crash is usually so abrupt that it injures anyone involved. Many people experience pain from a whiplash or worse – neck and back injuries. If you’ve been in a car accident, there’s a good chance that you’ll need to regularly endure physical therapy to get back in shape and to fully recover.

If you need physical therapy, who pays for it? If the accident was your fault, your insurance company would typically cover the cost of physical therapy to a certain extent. Your insurance policy will have these amounts predetermined, and anything beyond that number usually means you’re paying out-of-pocket for it. If the accident was not your fault, then the other driver’s insurance should cover your medical and physical therapy expenses. Usually, there’s a limit for these medical expenses — for example, let’s say $30,000. If your medical expenses exceed this amount, that does not mean you’re stuck paying out-of-pocket. But the insurance company might offer you a settlement to cover your costs.

When offered a settlement from an insurance company, you should never accept their first offer. Always speak with a car accident attorney who specializes in car accidents before agreeing to any settlement.