Will My Insurance Cover Physical Therapy After A Car Accident In Ocala, FL?
Bill Allen | March 29, 2023 | Car Accidents
If you’ve been hurt in a car accident, you may be anxious to get medical care and get your life back on track. Your primary care physician might have recommended physical therapy. But what exactly is physical therapy? And who will pay for it? Allen Law Firm, P.A. answers your questions about this particular subject.
What is Physical Therapy?
Physical therapy is a specific type of medical care that helps to relieve pain and improve function and mobility throughout the body. A physical therapist uses special exercises and stretches to help the patient. Heat therapy, cold therapy, warm water therapy, and massage may also be used as part of a physical therapy care plan.
How Can Car Accident Physical Therapy Help Me After An Injury?
Physical therapy offers many benefits. Physical therapy may help to:
- Relieve pain
- Improve movement or flexibility
- Prevent the need for surgery
- Control bowel or bladder function
- Prevent disability
- Adapt to using a medical device
Your physical therapist can create a customized care plan to address your needs and concerns.
Who Pays For Physical Therapy After a Car Accident?
In a perfect world, the party who caused your injuries would pay for them. You shouldn’t have to bear the costs associated with someone else’s negligence. While this might be the ultimate outcome, you may be on the hook for paying for these expenses now. Later, you might be reimbursed by the at-fault driver’s insurance company for your expenses. We’ll explore some of your options below.
Does My Insurance Cover Physical Therapy?
Your own auto insurance might cover some or all of your physical therapy costs. Florida law requires all registered vehicle owners to maintain minimum amounts of Personal Injury Protection (PIP) coverage. This insurance pays for certain accident-related expenses for the person who has the insurance, regardless of fault.
In Florida, you must carry a minimum of $10,000 in PIP benefits. PIP benefits pay for 80% of all reasonable medical expenses for medically necessary medical, surgical, and rehabilitative services if the accident victim received initial care within 14 days of the motor vehicle accident.
Options For Paying For Physical Therapy
Here are some of the options that might be available to pay for your physical therapy costs:
Your PIP Insurance
As mentioned above, PIP insurance can pay for your medical expenses, up to the policy limits.
Your MedPay Insurance
MedPay is additional coverage that can pay 100% of your medical bills, up to your policy limits. This is optional coverage.
Your Medical Insurance
You may be able to turn to your medical insurance for coverage, depending on the coverage and policy restrictions.
The At-Fault Party’s Auto Insurance
You might be able to step outside of Florida’s no-fault system if you can show you suffered a serious injury and the other driver was at fault. In this situation, you would file a claim with the insurance company that covers the at-fault party. The insurer will investigate the claim to determine if it’s liable for your injuries. It will then accept, deny, or offer you a reduced value for your claim.
Contact An Experienced Car Accident Lawyer
You may need help finding ways to pay for necessary care and estimating the potential future costs associated with your claim. For help with this daunting task, contact an experienced car accident lawyer at Allen Law Firm, P.A. We offer a free case review to discuss your options and how we can help.
We have three convenient locations in North Central Florida: