Car Insurance Can Pay for the Cost of Physical Therapy of Persons Injured in Car Accidents

Share Article ( is a top auto insurance brokerage website, providing car insurance quotes online from trustworthy agencies all over the United States. This website has recently launched a guide that explains how people injured in car accidents can get the physical therapy costs paid by their auto insurance policy.

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“Drivers who got injured in a car accident and require physical therapy will be reimbursed by the insurance companies if it is medically necessary,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Drivers who got involved in car accidents are likely to require physical therapy. Car insurance will cover the cost of physical therapy if it's medically necessary. In at-fault states, the cost of physical therapy is covered by the at-fault driver's policy, while in most no-fault states, this cost will be covered by the medical payments coverage, regardless of who was at fault.

Drivers who require physical therapy after a car accident should consider the following:

  •     The at-fault driver must pay for physical therapy. The at-fault driver is obliged to pay for all the medical expenses, including the physical therapy of the injured persons. If the at-fault driver’s insurance policy is used up, then the at-fault driver can be sued to use their own assets to cover additional medical expenses.
  •     Injured persons can receive treatment upfront. Several clinics can provide physical therapy treatment at no cost while the injured persons are waiting to receive payment from the insurers. In some cases, physical therapy clinics will provide treatments to persons who are waiting for the outcome of a lawsuit.
  •     Health insurance can also be used to pay for physical therapy. Drivers who got injured in a car accident will use their car insurance first up to its limits. After that, they can use their health insurance to cover the remaining costs of physical therapy.
  •     In some cases, car insurance doesn’t cover physical therapy. Persons who got injured by an uninsured or underinsured driver will not be paid for physical therapy. In this case, the injured driver will have to sue the at-fault driver. Persons who are at-fault in an accident and are having only liability insurance will not be reimbursed for physical therapy. Some drivers are having too little coverage. If an at-fault driver only has the state's minimum required coverage, then that policy can be exhausted before the injured person can begin the physical therapy treatment. Some persons receive physical therapy even if it's not medically necessary. In these cases, insurance providers can refuse to cover these bills.

For additional info, money-saving tips and free car insurance quotes, visit is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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