Who Pays for Physical Therapy After a Car Accident?

Following a car accident, many individuals are left to navigate not only the emotional and physical toll of a car accident, but also the financial burdens of potential medical treatments and physical therapy. Our clients frequently ask us, “Who pays for physical therapy after a car accident?” Schedule a consultation with us today to learn the different types of compensation available in a personal injury claim.

Insurance Coverage

Georgia is considered a “fault” state, meaning that the “at-fault” driver is typically responsible for compensating the victim’s injuries and other medical expenses, including physical therapy. State law requires drivers to carry liability insurance to cover injury or property damage caused by an accident. Thus, compensating the victim’s injuries and other medical expenses, including physical therapy, is typically the responsibility of the at-fault driver or their insurance company.

What if the “At-Fault” Driver Is Uninsured?

Many insurance policies include personal injury protection that also covers medical expenses. However, if the driver responsible for a car accident is uninsured, the process becomes more complicated for the victim. There are potential avenues for coverage if you have uninsured motorist coverage (UM), an optional type of coverage in Georgia. If you have this coverage through your insurance policy, it can help pay for your physical therapy.

However, if the “at-fault” driver is uninsured and you do not have UM coverage, you may need to file a personal injury lawsuit. A reliable personal injury lawyer with extensive experience could assist you in navigating this process. In some cases, uninsured drivers may be willing to negotiate a settlement that may not be full compensation but can provide some financial relief. However, our attorneys will strive to secure the best possible settlement and ensure your rights are protected.

What if Insurance Coverage is Insufficient?

There are times when insurance is insufficient to cover the cost of physical therapy, or the “at-fault”  driver disputes the liability claim. In this case, accident victims may need to pursue legal action through a personal injury lawsuit. An experienced attorney could help victims navigate this process and seek fair compensation, including medical expenses for physical therapy.

Call a Car Accident Lawyer To Learn About Who Pays for Physical Therapy

Our team of experienced attorneys is here to help you seek the compensation you deserve. Contact Smith Hulsey Law today for a free consultation to learn more about who pays for physical therapy after a car accident.