Whether you’re walking down the street or working with machinery, accidents can happen when you least expect them. In the aftermath of an injury, chiropractic care can be an essential part of your recovery process, helping to address pain, restore mobility, and improve overall function.

Chiropractic care deals with treatment in joint adjustments and manipulation, providing targeted treatment to realign the body and alleviate discomfort caused by injury.

Sleepless nights may follow as you worry about missed workdays or the damage to your vehicle, but the most critical concern should be the impact on your health.

The back pain may just come with the question of who pays for chiropractic treatments, especially if you’re unsure whether your insurance will cover it.

No need to worry about that! This guide explains how to navigate the process of getting insurance to cover your chiropractic care and when you may need legal assistance to ensure you receive the compensation you deserve.

Insurance Coverage For Chiropractic Care

Often, chiropractic care is viewed as a secondary concern following a car crash. People are not even aware that car insurance policies may cover chiropractic care following an accident.

Whether you have your own health or auto insurance or are covered under someone else’s policy, you can still file a claim if you’re injured due to another person’s negligence. Your insurance should help cover your costs and get you back on your feet, no matter who’s at fault.

In states with no-fault insurance laws, Personal Injury Protection (PIP) often generously covers chiropractic care as part of the medical expenses for injuries from a car accident. This means you can focus on healing and recovery while your PIP insurance helps shoulder the cost of essential chiropractic treatments. This coverage ensures that you’re not left struggling with medical bills while you’re trying to recover.

As of 2023, Personal Injury Protection (PIP) is mandated in 15 states. Among these, 12 states implement PIP through “no-fault insurance” laws. These laws typically require you to file smaller injury claims through your own PIP insurance, rather than pursuing compensation from the at-fault party. Be sure to check your specific state’s regulations to understand the coverage limits and requirements.

It’s crucial to remember that to access PIP benefits, you must seek medical treatment within 14 days of the accident. Missing this window can jeopardize your coverage and may leave you needing to navigate the complexities of seeking compensation on your own.

In such cases, consulting with a legal expert could be your next best step to ensure you get the support and compensation you deserve.

What Can I Do If I Cannot Get Insurance To Pay?

There’s a handful of challenges that you might encounter when you are trying to get insurance to pay for your chiropractic care including out-of-network providers, low policy limits, lack of pre-authorization, and insurance providers simply denying your claims.

When insurance refuses to cover your claim, it can be incredibly frustrating, but there are steps you can take to turn the situation around.

Gather all relevant documentation, such as medical records, treatment invoices, and any correspondence with the insurance company.

If your initial claim is denied, don’t hesitate to appeal the decision. Most insurance companies have an appeals process, so submit a formal appeal with a clear explanation of why you believe the claim should be covered, along with any additional evidence that supports your case. It’s often helpful to include a detailed account of how the injury has affected your daily life and recovery process.

If these steps don’t resolve the issue, consulting with a personal injury lawyer can provide you with expert advice and assistance in negotiating with the insurance company or pursuing legal action. An experienced lawyer can also help you understand your rights and explore additional avenues for compensation.

Dealing With Distracted Driving-Related Injuries

Texting, eating, and using a navigation system can increase the chance of a motor vehicle crash.

In 2019, roughly 424,000 people in the United States sustained injuries in crashes involving distracted drivers.

Several states in the country have already enacted laws to help prevent distracted driving. However, accidents still happen, and if you or a loved one becomes a victim of such an incident, it’s essential to seek legal assistance. A distracted driving accident lawyer can help you navigate the legal process and pursue the compensation you deserve.

Teaming up with a personal injury attorney can be a game-changer in securing a settlement for the treatments you need after a car crash. With their expertise, you can focus on your recovery while they handle your case.

Keep in mind that once your case is settled, you cannot ask for more compensation later; therefore, it’s essential to ensure that your settlement amount is sufficient to cover all your needs.

With an experienced personal injury attorney as your advocate, you can typically seek enough compensation to cover not only your medical expenses but also related costs such as rehabilitation and lost wages.

Maximizing Insurance Claim For Chiropractic Treatment

After a distracted driving accident, making sure you get the right amount of compensation for your chiropractic care is key to getting back on track with your recovery.

You should work closely with your distracted driving accident lawyer to ensure all your medical documentation is comprehensive and up-to-date. This includes detailed records of your chiropractic treatments, diagnoses, and the necessity of care.

It is also important that you keep records of all expenses related to your chiropractic care. This does not only cover treatment costs but also any associated expenses. If you are seeking to get chiropractic care from The Healing Joint you may also want to factor in the travel expenses as well.

An organized and thorough documentation can effectively help your lawyer secure your compensation as you focus on your path to recovery. Taking these steps will help ensure that you get the maximum benefit from your insurance claim and minimize any out-of-pocket costs.