Car Insurance Can Pay for the Cost of Physical Therapy of Persons Injured in Car Accidents

LOS ANGELES, Dec. 12, 2020 /PRNewswire-PRWeb/ -- Drivers who got involved in car accidents are likely to 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.

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.

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