If you have been injured in a car accident caused by someone else and now require physical therapy, it is important to speak with an experienced personal injury lawyer near you. At the Cloud Law Firm, we have years of experience helping those who have been injured due to the negligence of others. Reach out to our office online or call 855-408-5100 to speak with one of our compassionate and understanding attorneys today to set up a free case consultation.
Why Physical Therapy is Crucial After a Car Accident
Physical therapy plays a vital role in the recovery process after you have been involved in a car accident. It can help to restore mobility, reduce pain, and improve the quality of life for those who suffer injuries like:
- Whiplash and neck injuries
- Soft tissue injuries
- Back and spinal cord injuries
- Fractures or joint injuries
Because of Florida’s no-fault insurance laws, your Personal Injury Protection (PIP) coverage will handle your immediate medical needs after a car accident, including physical therapy, regardless of who caused the accident.
How PIP Works When Covering Physical Therapy Costs in Florida
Florida drivers are required to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage. This insurance covers 80% of medical expenses, including physical therapy, up to the policy limit. Your own medical insurance will also help to cover the costs of your medical expenses, including physical therapy. However, the following nuances apply:
1. Initial Medical Treatment Timeline – You must seek medical attention within 14 days of your car accident to qualify for PIP benefits.
2. Medical Necessity Requirement – To have physical therapy covered by your PIP, it must be deemed medically necessary by a licensed healthcare provider to be eligible for coverage.
When injuries are serious and require prolonged physical therapy, quite often your PIP coverage will fall short of the total cost. By pursuing additional compensation from the at-fault driver through a car accident settlement, you can help to ensure that you have the compensation you need to help cover the costs related to your physical therapy.