In Georgia, physical therapy after a car accident is often paid for initially through health insurance or other available coverage, then later recovered from the at-fault driver through a personal injury claim. Who pays and when usually depends on the insurance involved and who was at fault. A car accident lawyer in Columbus, GA, can help protect your right to recover physical therapy costs as part of your claim.
What should I know about getting my physical therapy costs covered in Georgia?
After a car accident, physical therapy is often part of an injury treatment plan, especially for back, neck, leg, and joint injuries. Doctors and physical therapists determine the type and length of therapy based on your condition and recovery progress.
To recover physical therapy costs, you should seek medical care promptly and follow the treatment plan recommended by your providers. Keep copies of medical records and bills, as these documents help show that the treatment was necessary and related to the accident. This information is used when negotiating with the insurance company for the at-fault driver.
Who pays for physical therapy if an insurance settlement is insufficient or the other driver was uninsured?
If the at-fault driver does not have insurance or their policy limits are too low, physical therapy costs may be paid through other sources. This can include your own health insurance or uninsured or underinsured motorist coverage if your auto policy includes it.
In some situations, legal action against the at-fault driver may be an option. A personal injury lawyer can review your insurance coverage and explain which path makes the most sense based on your circumstances.
How much can I receive toward my physical therapy costs after an accident?
The exact amount of compensation you can receive for your physical therapy costs and other losses will depend on your specific circumstances. The severity of your injuries plays a large role, since more serious injuries often require longer or more intensive treatment.
Insurance coverage and any degree of fault on your part can also influence and/or limit the final outcome of your case. Georgia law generally allows two years to file a personal injury claim, and waiting too long can limit your ability to recover medical expenses.
How do MedPay and health insurance affect physical therapy coverage in Georgia?
After a car accident in Georgia, physical therapy may be paid through more than one type of insurance. Two common options are MedPay coverage on an auto policy and health insurance, and each works a little differently.
MedPay, short for medical payments coverage, is optional auto insurance that can help pay medical bills, including physical therapy, no matter who caused the accident. When it applies, MedPay can help cover therapy costs early, without waiting for the claim to settle.
Health insurance may also cover physical therapy after a car accident. Depending on your plan, you may still have copays, deductibles, or referral requirements. In some cases, your health insurer may seek repayment if you later recover compensation from the at-fault driver.
Sorting through these options can feel confusing, especially while you are trying to recover. A personal injury lawyer can review your coverage and help you understand which option may help reduce out-of-pocket costs while your case is ongoing.
Should I talk to a lawyer about physical therapy costs after a car accident?
Physical therapy can be an important part of recovery after a car accident, but the cost can add stress during an already difficult time. Fox Injury Law helps clients understand their options and pursue compensation for medical expenses related to an accident.
To learn more, contact us online to schedule a free consultation or call (404) 777-7778 to speak with our team.
