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Who Pays for Physical Therapy After A Car Accident?

When you need physical therapy in Miami after a car accident, who pays for it?

There is a good chance that you can recall those exact moments when your car accident happened.  Oddly enough, things seem to either go into slow-motion mode or things happen so fast that you’re not sure exactly what just occurred. However, in most cases, what you do know fairly quickly is when you – or a loved one – has been injured.

What should you do when you are injured in a car accident?

It may seem like common sense: when you or a loved one is injured in a car accident, call 9-1-1 and get help immediately!  But for many people, those moments following a crash can be chaotic and they don’t always prioritize what matters most.  The health and well-being of anyone injured is always of the utmost importance.

There are many injuries that may seem minor initially.  However, the best “rule of thumb” to follow in any car accident is that of all the individuals in place to help you with your injuries in those days, weeks and months following the crash:


Why do medical teams, personal injury lawyer and physical therapy clinics in Miami operate under this line of thinking?  Because there are so many injuries that can evolve into something more serious post-accident.  For example:

A bump to the head can seem minor but could result in a more serious diagnosis of a traumatic brain injury such as a concussion – or perhaps a more life-threatening TBI.   In that case, the injured may need a prescription for medication for pain management and/or may need physical therapy in Miami to increase the chances of a full recovery.

A scrape or cut an seem minor.  You may think, “I’ll just keep it clean and bandaged and I’ll be fine.  But what if that cut need stitches?  And what if, because you didn’t take that injury more seriously, that cut gets infected and evolves into needing a full round of medication to combat the infection? Getting immediate treatment could lessen the chances of that scenario.

Many people have a stiff neck after a car accident, but they often fail to realize that a stiff neck is the most common symptom of whiplash.  In all too many cases, whiplash requires prescribed medication for pain management, but the injured also needs physical therapy in Miami to help rehabilitated those necks muscles and tendons injured in the accident.

So, what happens when you need physical therapy in Miami for your car accident injuries?  Do you have to pay for it out of pocket or does your insurance cover it?  Or does the at-fault driver’s insurance pay for it?

Who pays for physical therapy after a car accident?

In the state of Florida, there is a no-fault law in place, which means that regardless of who is at fault in an accident, each driver’s insurance policy will pay for their own injuries that occurred in a car accident.  This is why every driver in Florida is required to have Personal Injury Protection (PIP) insurance, but there is a cap to the amount that can be billed.

Your Miami physical therapy is covered under PIP, so you can rest easy knowing that your medical expenses – including physical therapy – could be fully covered.  But what if your medical bills and physical therapy exceed what your insurance policy allows?

In this case, the injured often chooses to hire a personal injury lawyer in Miami.  Your personal injury lawyer will then pursue a settlement to help cover the cost of your medical bills (including physical therapy), along with lost wages, pain and suffering and loss of quality of life and any other areas that can be included in your case.

Physical Therapy in Miami after a car accident

If you are injured in a car accident, be sure to get medical treatment, and if you need physical therapy in Miami, call us at (800) 481-4582.  Here at Physical Therapy Now, we offer convenient locations throughout the Miami Dade area within 5 miles of any location.  Our experts have vast knowledge in treating your car accident injuries, so you’ll take comfort knowing you’re in the capable hands of the best physical therapist in Miami!


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