Who Pays for Physical Therapy After a Car Crash? | Kisling, Nestico & Redick
Kisling, Nestico & Redick, LLC Hurt in a Car? Call KNR.
Car accidents frequently require immediate medical attention and costly follow-up treatment, including physical therapy.
Written by
KNR Legal
Date posted
January 27, 2023

If you are worried about paying rehab, physical therapists, and your overall recovery, the car accident attorneys at KNR can help. You can secure financial compensation from the at-fault party for your physical therapy costs by filing a claim or lawsuit. Call 1-800-HURT-NOW  to set up a free, no-risk consultation.

Here’s more about paying for physical therapy after an auto accident and some things to remember.

How to Get Compensation for Physical Therapy

The party responsible for your car crash damages should be held liable to compensate you fully. This includes paying you for any physical therapy costs related to your car accident injuries.

However, proving another driver is at fault is not always straightforward. You probably need an accident defense lawyer to help you with the following steps in pursuing compensation:

Step 1 – File a Personal Injury Claim

A personal injury claim can help you recover compensation for all the damages related to your car accident. This includes out-of-pocket physical therapy costs. Even if insurance covers a portion of your therapy, you can still file a claim through the at-fault party’s insurance policy. Their insurance company will be responsible for paying your damages.

Before you can recover physical therapy damages, your claim must prove the following:

Who caused your accident?

You must establish liability by showing that the other party’s negligence caused your car accident. Evidence of their negligence can be in police reports, witness statements, and even accident reconstruction data. Your lawyer will know what evidence can best support your case and help you gather the information that proves the other driver is liable.

You were injured in the accident

You must also prove the car accident directly caused your injuries. The liable party will not have to pay for any damages that existed before the traffic incident. Helpful evidence to prove the crash resulted in your injuries and physical therapy can include medical documents, photos, hospital records, and more.

The costs of your accident

A car accident lawyer can help you examine your medical and physical therapy bills to calculate how much compensation you need. That means what it already cost and what you’ll need long-term, such as ongoing physical therapy. Your physical therapist can also offer insight into future costs for your car accident recovery.

Although physical therapy has a high success rate, some injuries linger. You may need additional treatment, such as orthopedic, neurological, or cardiovascular therapy. Your attorney should understand how to seek compensation not only for your current bills but also for any future expenses.

Step 2. File a Timely Claim

You will need to file a claim within the statute of limitations. Ohio only allows personal injury victims two years to file a claim after being hurt in a motor vehicle accident. We strongly encourage you to act without delay.

The longer you wait, the more difficult it can be to recover damages from the negligent party. Further, evidence may become harder to collect or less compelling over time.

Step 3. Consider their Offer…

The next step in your personal injury process might be to secure a fair insurance settlement offer. However, insurance companies often suggest low amounts, and some refuse to comply with your lawyer’s negotiation efforts.

Before you accept an offer, refer to your attorney for advice on whether the dollar amount is appropriate for your case. Your lawyer likely has experience with cases similar to yours and has your best interest in mind, unlike insurance adjusters.

…Or file a lawsuit

Most cases are settled through the claims process. However, you might decide to move your case to trial if you do not receive a fair offer to compensate you for physical therapy expenses and other damages.

Filing a lawsuit to pursue compensation might sound intimidating, but your attorney will handle the legal procedure if this would benefit your case. Also, filing a lawsuit may compel an uncooperative insurance company to take your claim seriously and increase its offer. You can settle a personal injury case at any time.

You can learn more about personal injury lawsuits and trials or contact an Ohio injury lawyer at 1-800-HURT-NOW.

Car Accident Physical Therapy FAQs

How do I pay for treatment while waiting for compensation?

If you can’t afford physical therapy before your case is resolved, don’t panic. Chances are your health insurance policy can cover a large portion of your medical bills after a car accident. If not, talk to your physical therapist and health insurance company about setting up a payment plan.

You are responsible for paying your bills in the meantime, but you should not have to go into debt and ruin your credit after an accident that wasn’t your fault.

Will insurance cover physical therapy costs after a car accident?

In many cases, your health insurance policy will cover various medical bills. However, it depends on the type of insurance you have. Review your health insurance policy. No matter what, send your medical bills to your insurance company, so they have a record of everything. You may be able to defer some bills while you wait for your case to be resolved.

What if I can’t afford a lawyer?

With KNR, you won’t have to pay unless we recover compensation for you. We know your financial situation is likely overwhelming already. The last thing our team wants is to add to your stress. Our lawyers offer free consultations to discuss your case and help you plan the next steps.

Hurt In A Car? Call KNR

Physical therapy can work wonders and help you return to a normal life after a car accident. Although the bills might add up quickly, the negligent party in your accident can be held liable for your therapy costs. However, negotiating with insurance companies can be complex and aggressive. An attorney can help.

At KNR, our lawyers have decades of experience serving car accident victims across Ohio, and we know how to recover the damages you are entitled to under the law. Contact Kisling, Nestico & Redick to speak with a knowledgeable Ohio car accident lawyer. We can work with your physical therapist and insurance provider to meet your long-term therapy needs.

Call 1-800-HURT-NOW to set up a free, no-risk consultation.