Will Physical Therapy Be Covered After My Accident?

When you sustain an injury after an accident, it is normal to worry about your health and wellbeing and how you will pay for your medical expenses. While insurers will certainly try to reduce settlement amounts and deny compensation for certain things, you have a right to be adequately compensated for your expenses and pain and suffering. The key to getting your physical therapy covered after a car accident, however, is to prove that it is necessary for you to recover from your injury. 

In California, a person injured in a car accident that is the result of someone else’s negligence is entitled to reimbursement for all necessary medical bills, including physical therapy. 

In some cases, getting physical therapy covered after a car accident might not be needed, and even if it is, insurers will potentially try to claim that it is not. So you will have to provide sufficient evidence and work with an experienced San Francisco car accident attorney to prove that, without a doubt, your physical therapy was or is necessary. 

The Importance of Physical Therapy After a Car Accident

There is any number of injuries that a person can suffer from after a car accident. And every situation is unique because no person or accident is exactly the same. So not every injury may require physical therapy. 

If you only suffer minor lacerations and bruising, for example, physical therapy will likely be unnecessary. However, other mild injuries like sprains, strains, and whiplash do often require physical therapy. And, of course, more severe injuries also require physical therapy and rehabilitation to fully recover. 

Overall, most injuries that are sustained in car accidents can benefit from physical therapy. This is because even if the initial injury is treated, there is almost always lingering pain, stiff muscles, and even loss of range of motion—all of which can be treated with physical therapy. 

Without physical therapy, the initial injury might heal, but you could struggle with chronic pain for the rest of your life. And over time, this can diminish your quality of life, affect your ability to perform daily activities, and can put you at risk of sustaining other injuries more easily. This is why physical therapy is so important after an accident. 

With physical therapy, you can:

  • Reduce pain
  • Regain full range of motion
  • Build up strength that was lost 
  • Avoid unnecessary surgeries

How to Prove You Need Physical Therapy After an Accident

If you are questioning whether or not you need physical therapy after a car accident, your best bet is to just assume that you do and seek treatment right away. When you file a personal injury claim after a car accident, medical evidence such as documents proving you were injured, doctor’s orders and advice, and bills from the treatments you received can all help you win your case and get the compensation you deserve. So the sooner you seek physical therapy to treat your injuries, the better. 

You should either go to the ER or make an appointment to see your general physician as soon as possible. From there, you will receive a diagnosis and an evaluation of your condition, which could lead to a recommendation for physical therapy. And if physical therapy is not mentioned, do not be afraid to speak up and ask for a referral. 

In the end, you are in charge of ensuring your health and wellbeing are taken care of. So if you think you need physical therapy to fully heal without any pain or loss of range of motion, then speak up and ask for a referral to a physical therapist. And make sure the referral is documented in the medical paperwork you receive when you leave the doctor, as this is solid evidence that can help prove your physical therapy treatments were necessary. 

Essentially, you want to gather as much evidence as possible that shows your physical therapy was necessary to ensure it is covered. This means keeping copies of all medical documents, bills, and doctor’s recommendations for treatment. It can also be extremely beneficial to keep an injury journal and document the pain you experience and how the injury is affecting your day-to-day life. 

Working with an attorney can also further support your claim. Insurers will commonly try to use tactics to confuse you or to find reasons to deny your claim. With an attorney on your side, however, they are less likely to question you as you will have professional representation that can help support and back up your claims. 

We Handle Your Accident Claim So You Can Focus On Your Life

Despite what insurance companies might try to claim, physical therapy is often necessary after a car accident. Our attorneys have worked thousands of cases and know how much a person can continue to suffer when they don’t get physical therapy to help them fully recover. So we know how important physical therapy is, and we know what it takes to prove this to ensure our clients get the settlement they deserve to cover their physical therapy expenses. 

At Sally Morin, we truly care about the people of California. Call us at 877-380-8852 or contact us online today for a free case evaluation.

Accident Client

While riding my bike to work, I was struck by a motorist who ran a red light. The driver stayed on the scene and seemed genuinely concerned about my well-being. However, when I sent my claim to her insurance, she denied the events as I, and my witnesses, reported them. Sally’s expertise was instrumental in dealing with the insurance company to get a good settlement. She is very responsive, a true professional, and just a lovely person to work with. I would recommend Sally Morin in a heart-beat.

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We Handle Your Personal Injury Accident Claim So You Can Focus on Your Life

After an accident, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many types of traffic injury claims. We believe you should be able to focus on recovering from your accident while we handle the legal details.

We truly care about the people of California. Contact us today for a
free online case evaluation.


It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible