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Does My Insurance Cover Physical Therapy After An Accident?

Physical therapy can be a beneficial treatment for patients after an injury accident. Injuries sustained in a car accident, slip and fall injury, or workplace accident can cause head, neck, or back injuries which can make it more difficult to move around or do regular daily activities. 

Even if physical therapy does help an injury victim recover after an accident, there is no guarantee that your insurance will cover the treatment. In some cases, the insurance company will offer limited treatment or claim you are no longer in need of therapy. This can be extremely frustrating for people trying to get back on their feet after an accident. 

How Does Physical Therapy Help?

Physical therapy involves treating an illness or injury that impacts a person’s ability to move and perform everyday functions. There are a number of ways physical therapy can be used to treat a patient, including: 

  • Exercises and assisted movements
  • Manual therapy
  • Use of traction, braces, or sleeves
  • Heat and cold treatment
  • Massage
  • Assistive devices 

Physical therapy can help an injury victim recover function after an injury. Physical therapy can also slow or prevent the loss of movement or muscle strength caused by diminished ability, degenerative conditions, or aging. 

What Insurance is Involved? 

The first question in asking if physical therapy is covered is which insurance applies? After an accident, there may be multiple insurance companies involved. Not surprisingly, the multiple insurance companies may try and get out of paying for anything, claiming the other insurance has to cover the injury. 

For example, if you are involved in an injury car accident with another driver, the insurance companies involved may include: 

The other cause of confusion is that it may be unclear which policy is going to pay for the costs of the injury, how much they will cover, and what type of treatment will be covered. Medical treatment in the United States is expensive. An injury victim may not have the means available to pay for their treatment out of pocket and they want to know who is paying the bill before racking up medical bills. 

How a Personal Injury Attorney Can Help After an Accident

Many people try and put off getting a lawyer after an accident because they think they don’t need one. However, after being fed up with not getting anywhere with the insurance company, a lawyer may be just the thing to get you back on the road to recovery. 

Injury victims find that a lawyer means they do not have to deal with the back-and-forth of trying to get answers from the insurance company. A personal injury attorney can deal directly with the insurance companies to get compensation for their client. 

If you or a loved one were injured in an accident, the Gilman & Bedigian team is fully equipped to help you recover compensation for your injuries. Contact Gilman & Bedigian today for a free consultation. Fill out an online case evaluation form or call (800) 529-6162 today. 

About the Author

Charles GilmanCharles Gilman
Charles Gilman

As managing partner and co-founder of Gilman & Bedigian, it is my mission to help our clients recover and get their lives back on track. I strongly believe that every person who is injured by a wrongful act deserves compensation, and I will do my utmost to bring recompense to those who need and deserve it.


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