Experiencing a motor vehicle accident can be a traumatic event, often resulting in musculoskeletal injuries that require prompt attention and rehabilitation. If you’re wondering whether your physical therapy visits will be covered, this blog post aims to provide clarity on insurance coverage and guide you through the process of seeking the necessary care.

Personal Injury Protection (PIP)
In many cases, coverage for medical expenses, including physical therapy, is provided through Personal Injury Protection (PIP) insurance. PIP is a type of coverage that may be mandatory in some states and is designed to cover medical expenses and other related costs, regardless of fault in the accident.

Health Insurance
If PIP coverage is insufficient or unavailable, your health insurance may step in to cover the costs of physical therapy. This is rare in most cases as your personal health insurance will require you to utilize the at fault’s party insurance or a lien (attorney). It’s essential to check the specifics of your health insurance policy, including deductibles and copayments, to understand your out-of-pocket responsibilities.

Auto Insurance Policies
The at-fault party’s auto insurance may also cover your medical expenses, including physical therapy. However, the process might involve negotiations and coordination between insurance companies.

Medical Payments Coverage
Some auto insurance policies include Medical Payments (MedPay) coverage, which can help cover medical expenses, including physical therapy, regardless of fault. Review your policy to determine if you have MedPay coverage.

Coordination of Benefits
Understanding the coordination of benefits between different insurance policies is crucial. Your healthcare provider and insurance professionals can assist in navigating the complexities of multiple coverages.

Seek Immediate Medical Attention
Following a motor vehicle accident, prioritize seeking immediate medical attention, even if injuries seem minor. Early documentation of injuries is crucial for insurance claims.

Report the Accident
Report the accident to your insurance company as soon as possible. Provide accurate details about the incident and any injuries sustained.

Verify Insurance Coverage
Contact your insurance provider to verify the coverage details for medical expenses, including physical therapy. Understand the limits, deductibles, and any requirements for using specific providers. Please review our previous blog titled “Understanding Medical Insurance and Physical Therapy Benefits” for additional information.

Consult with a Physical Therapist
Schedule a consultation with a physical therapist to assess your injuries and determine the appropriate course of treatment. Communicate openly about your insurance coverage and potential billing considerations.

Recovering from a motor vehicle accident involves both physical healing and navigating insurance processes. Understanding the coverage options available through PIP, health insurance, and auto insurance policies is crucial for ensuring that your physical therapy visits are covered. If you have questions or concerns, don’t hesitate to consult with both your healthcare provider and insurance professionals to make informed decisions about your rehabilitation journey. In many cases, you may reach out to a personal injury attorney for guidance as well.

You may always contact our Doctors of Physical Therapy at [email protected] or by text/phone at (949) 502-3388 or (805) 686-1934 if you have specific questions or concerns regarding injuries sustained from a motor vehicle accident as well as the best course of action.