How Can Physical Therapy Maximize Your Car Accident Settlement Amount?

Did you need physical therapy after a car accident? Even with health insurance, the costs for physical therapy add up — and far too often, only a certain number of sessions get covered. That leaves injured people facing the prospect of paying for PT out of pocket or being forced to stop treatment too soon. If you’re in this position, don’t give up. It may be possible to get rehabilitation for your car accident injuries paid another way. 

If someone else is responsible for the crash that injured you, a fair settlement from the insurance company can provide compensation for physical therapy. An experienced car accident lawyer from Demas Law Group can fight for the money you need to recover fully. Call or contact us today to schedule a free consultation with our California car accident attorneys. 

The Importance of Physical Therapy After a Car Accident

Physical therapy can play a crucial role in recovering from car accident injuries. After a collision, the body can experience various kinds of trauma, leading to pain, stiffness, and other mobility limitations. Ignoring these symptoms can lead to long-term problems. Physical therapy can restore strength, flexibility, and overall function. 

Physical therapists design personalized treatment plans to address specific needs. They develop exercises and use techniques targeting the body areas most affected by the car crash. Regular sessions can improve range of motion, reduce swelling, and restore muscle control.

Physical therapy can also support emotional well-being by providing the tools and knowledge to manage the accident recovery process more effectively. Committing to PT increases the odds of returning to daily activities sooner.

Can a Settlement Pay for My Physical Therapy?

Yes. A car accident settlement can cover the cost of your physical therapy. Insurance settlements aim to compensate accident victims for their injuries and related losses after a wreck. Medical expenses, including physical therapy costs, often comprise a significant portion of these payments. If you require physical therapy for recovery, the settlement should include funds to cover your sessions.

When you work with a car accident lawyer, they aim to secure a settlement reflecting the full scope of your medical needs. This money should account for future expenses, including ongoing physical therapy if your injuries require long-term treatment. Demanding money for PT in your car accident claim allows you to focus on your recovery without worrying about how to pay for it.

Calculating the Value of Your Physical Therapy Needs

Summing up the value of your physical therapy costs after a car accident involves considering several factors. First, you must add the cost of all your physical therapy sessions so far. Prices can vary based on the clinic location, the therapist’s expertise, and the type of therapy you need. Multiply the cost per session by the number of sessions your doctor or therapist recommends.

Next, you should account for any additional costs related to your physical therapy. These can include transportation expenses, especially if you must travel long distances to reach your physical therapist. If your injuries require specialized equipment or home modifications, you can also request compensation for those costs.

Finally, consider the long-term impact of your injuries. If your physical therapy needs extend into the future, estimate ongoing treatment costs. This might involve calculating the number of future sessions, adjusting treatment plans, and accounting for other potential medical expenses. A car accident attorney can assess these factors to establish a fair value and demand a settlement covering all your necessary expenses.

Documenting Your PT Sessions for a Settlement

Accurate documentation of your physical therapy sessions is crucial for securing a fair settlement after a car accident. You can start by keeping a detailed record of every session you attend. Write down the date, duration, and type of therapy you receive and note any progress or setbacks you experience.

You can also ask your physical therapist for copies of their notes and reports. These documents provide professional evidence of your treatment and the necessity of ongoing care. Save all bills and receipts related to your therapy, including any costs you incur for transportation or special equipment.

If you experience pain or discomfort between sessions, document that as well. This information can demonstrate the ongoing impact of your injuries. Thoroughly documenting your PT sessions strengthens your car accident claim and improves your chances of receiving full compensation for your recovery.

Negotiating with Insurance Companies

Getting an insurance company to make a fair payout after a collision is a challenge. Insurance adjusters work hard to minimize payments to accident victims by scrutinizing medical records and therapy progress reports. They may dispute the severity of the injury or your need for extended physical therapy. Having strong legal representation is essential to avoid being under-compensated. Your car accident lawyer can gather all necessary documentation, including medical records, physical therapy reports, and bills, to present a solid case on your behalf.

During settlement negotiations, your attorney will emphasize the full extent of your injuries and the costs you incurred (or are expected to incur) during your recovery. This includes immediate medical expenses and any ongoing physical therapy or future treatment you might need. Your lawyer will present clear evidence so the insurance company understands the true value of your claim.

Your car accident attorney will also handle any counteroffers from the insurance company. They can advise you on whether to accept or reject these offers. Ultimately, the choice is yours, but having an experienced car accident lawyer to guide you through settlement negotiations can help you secure the most favorable outcome possible.

Avoiding Common Pitfalls

The settlement process is delicate, and it’s easy to hit some snags along the way. One of the most common mistakes accident victims make is accepting a quick settlement offer from the insurance company. Initial offers almost always fall short of covering what you deserve after a car accident, especially when you have extensive injuries. 

Your car accident case can face other setbacks if you fail to document your injuries and treatments fully. Without detailed records, you might struggle to prove the extent of your injuries. Additionally, communicating directly with the insurance company without legal representation can be a mistake since it increases the chances that you might accidentally provide information the adjuster could use against you.

A car accident lawyer can help you avoid these pitfalls by guiding you through each step of the claims process. They can organize the evidence, place an appropriate value on your car accident case, and advocate fiercely for a settlement that truly reflects your needs. 

Contact Demas Law Group for Help

If you’re dealing with the aftermath of a car accident, you deserve full compensation for your physical therapy needs. Don’t face the insurance company alone. Let the car accident attorneys at Demas Law Group support you throughout your claim. Contact us today for a free initial consultation.