Understanding Physical Therapy After a Car Accident
In the aftermath of a car accident, victims often require more than just immediate emergency treatment. Physical therapy is a non-emergency medical care that aims to relieve pain and restore mobility. In California, physical therapists are licensed professionals who play a crucial role in helping accident victims achieve a full recovery.
Deciphering Who Pays for Physical Therapy in Auto Accident Claims
California operates under a “fault” auto insurance system. This means that the at-fault driver, or their insurance company, is generally responsible for their own injuries and those of other parties involved in the accident. If the accident was your fault, California MedPay may cover your physical therapy expenses, provided they are within policy limits. However, MedPay is optional, and not all drivers choose to have it.
Exploring Third-Party Claims
If another party was responsible for your accident, you can seek compensation from their auto liability insurance. Unfortunately, many California drivers are uninsured, making uninsured motorist insurance a valuable safeguard. In some cases, you may need to seek reimbursement from the at-fault driver's personal resources.
Insurance Coverage for Physical Therapy
If you have opted for California MedPay, it will cover your physical therapy expenses as long as they are reasonable, necessary, and within policy limits. However, physical therapy can be expensive, and it's not uncommon for insurance resources to be exhausted quickly.
Understanding Limitations on Compensation
There are practical limitations on the amount of compensation you can receive. Insurance policies will only cover your physical therapy expenses if they are a “reasonable and necessary” consequence of your injury. To establish this, it's important to obtain a written referral from the emergency department that treated you or from your primary care physician.
The Role of a Skilled Injury Lawyer in Auto Accidents
A skilled injury lawyer can help you navigate the complexities of insurance claims and secure a fair settlement. A lawyer with a strong record of winning at trial can be particularly valuable, as their reputation can influence the negotiation process in your favor. Understanding insurance coverage for physical therapy after a car accident is crucial for anyone involved in an accident. If you need legal assistance, don't hesitate to call Napolin Accident Injury Lawyer at (866)-NAPOLIN for a free consultation. With extensive litigation experience, we are well-equipped to help you navigate the complexities of your case.
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