Do Insurance Plans Cover Chiropractic Care for Auto Accident Injury?

Do Insurance Plans Cover Chiropractic Care for Auto Accident Injury?

Man holds aching neck after car accident

Being injured in an auto accident is never fun. You can be out of commission for a while, not being able to do things you loved to do before the accident. Even if you walk away from the accident with no apparent injuries, you may still have internal injuries come up later. Because you never know what sort of injuries you might have sustained from a car accident, it’s better to see a chiropractor right after the accident.

You’ll need help recovering after an auto accident, and a chiropractor can treat any lingering pain that can come up after the accident. The most common injury after an auto accident is whiplash, which is where you feel you have a stiff neck that’s too painful to turn.

Also, stiffness, muscle spasms and more can also develop 24 hours after the accident, with some ailments not appearing until days or even weeks later.

Chiropractors are trained medical professionals that specialize in soft tissue injuries, spinal strains, and musculoskeletal damage. They’ll be able to realign your spine in such a way that your body will now be able to heal itself from the inside out instead of having to mask the pain with prescription drugs.

Plus, seeing a chiropractor right after an accident will also help your personal injury case. Getting a diagnosis of the injuries you’ve sustained because of the auto accident will help your personal injury lawyer as they do their job to get you the compensation you deserve.

Don’t Worry About the Costs

Auto accidents are costly, so it’s normal to worry about the costs associated with seeing a chiropractor after an auto accident. But you shouldn’t worry since your insurance should cover the cost of chiropractic care. If not, your personal injury attorney will be able to sort things out so that the cost of care will be tied into your settlement.

You’ll need to call your car insurance company to check if chiropractic care is included in the medical payments portion of the policy you have. It doesn’t matter if you caused the accident or were the victim of one, the costs for chiropractic care should still be covered.

Even if your injuries or symptoms don’t seem too serious, it’s better to book a chiropractor appointment immediately after the auto accident. If you wait too long to see a chiropractor after an auto accident, you could forfeit your right for the insurance to cover any treatment for your injuries.

If this happens, you’ll have to pay out-of-pocket for all expenses yourself. So even if you don’t feel anything at all, you should still visit a chiropractor (at no cost to you) to check if you could have more serious internal damage.

But it’s good to note that the driver at fault’s insurance won’t pay off your medical and chiropractor bills until you have finished all treatment and have been discharged by your medical team.

After you’re better, your personal injury lawyer will be able to ask for a settlement with the insurance company. But depending on what sort of injuries you sustained in the auto accident, it could take months (or even years) before you are discharged by your doctors.

A personal injury lawyer will get in contact with medical professionals who will be able to treat you now, with all bills being deferred until after your case settles with the other driver’s insurance company.

Plus, they’ll be able to keep any bills that haven’t been paid out of collections so that you don’t have to stress over finances if your own insurance doesn’t cover chiropractic care for some reason. When you finally settle, a portion of that settlement money will be reimbursed to those who have treated you on the condition that they’ll get paid once everything is settled.

Chiropractic Care Speeds Up Recovery

If you do have a serious injury because of the auto accident, seeing a chiropractor can help speed up recovery. The goal is to get you back to your pre-accident self, with treatment aligning with that initial goal.

After a car accident, victims usually complain of soreness, pain and the inability to do normal day-to-day things they used to do before the accident. Instead of suffering like this for months at a time, chiropractic care will help you get better faster. Proper treatment starts with an assessment of your injuries.

The chiropractor will use their diagnostic equipment to help pinpoint the problems of your injuries before they develop a personalized treatment plan. Since every person’s injuries are different, a treatment plan may include things like massage therapy, physical therapy, spinal adjustments, and even acupuncture.

Chiropractic care can also prevent any long-term complications from your auto accident injuries. The majority of car accident victims with mild to moderate whiplash can usually recover after a few weeks.

But the same isn’t true of severe injuries, which can have long-lasting effects and leave you in pain years later. It’s hard to tell if a serious auto accident injury will lead to chronic pain later on, which is why it’s better to visit a chiropractor after an auto accident to prevent any long-term complications.

If you’ve been in an auto accident recently, don’t let the fear of chiropractic care stop you from seeing a chiropractor right after the accident. Usually, your own auto insurance will cover the costs and if not, a personal injury lawyer can help you defer payments until after you receive your personal injury settlement to pay off the debts.

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