Treatment after an Auto Accident
When you are involved in an auto accident the pain often doesn’t stop after the initial impact. I personally have been in two different auto accidents and the recovery for my second took almost a year. Having worked in this field for as long as I have, I am grateful to have had the prior knowledge on what my auto insurance covers and how to use it. This however is not the case for most. So hopefully the following info will help you navigate through the world of auto insurance.
What are my first steps?
After any immediate medical attention is take, the best next step is to call a lawyer. A consultation with a lawyer is free of charge. I will leave info on the law offices that we refer to at the end of this post.
One of the first things to note if you are wanting to get massage treatment to help you recover after an auto accident is that you must have a prescription. We cover more about this in a previous blog post “Why you need a prescription for massage”.
Where do you bill my massages to?
Now let’s talk about coverage. You’ll want to call your auto insurance company prior to any treatment to verify that you have Personal Injury Protection (PIP). This is a sum generally around $10,000.00 that is for any personal injury in an auto accident. If you do have PIP coverage, then this is what we will bill your massages to.
If you do not have PIP or if you end up exhausting it then we will bill your personal health insurance if you have massage coverage.
If you are still in need of treatment beyond what these two insurance companies allow, then at this point (if you don’t already) you’ll need a lawyer to help get the treatment covered. On a case by case bases we can do a lien on your settlement, which your lawyer will help to guide you through. Our clinic does not bill third party (i.e. the other party’s auto insurance).
Things to note.
It is important to note that even though you may have up to $10,000.00 or more in PIP coverage that does not mean you may get to use that full amount. Some insurance companies after a period of time can deem your massages as no longer “medically necessary”.
You will want to keep in contact with your insurance company to keep track of how much of your PIP coverage you have left. As well as any additional info they may need to help keep things covered.
This covers the basics of how things work after your auto accident, but if you have any further questions or concerns our office would be happy to share what knowledge we can. We want to help you the best we can throughout your recovery!
Amy Pennington
Project Manager
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