May 18th, 2023
Paulozzi Joseph

Car accidents can be devastating; they cause property damage, physical injuries, and emotional trauma. If you have been in a car accident, you may require physical therapy to recover from your injuries. But who should pay for it? This is a complex question that depends on several factors. In this post, our auto accident experts at Paulozzi LPA will explore who is responsible for paying for physical therapy after a car accident.


In most cases, insurance companies are responsible for paying for physical therapy after a car accident. The at-fault driver’s insurance company will typically cover the cost of physical therapy for the injured party. If you were at fault for the accident, your insurance company should cover your own physical therapy costs.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is a type of insurance coverage that covers medical expenses, lost wages, and other costs associated with a car accident. If you have PIP coverage, it can pay for your physical therapy regardless of who was at fault for the accident. PIP coverage is mandatory in some states, while optional in others.


If the insurance company refuses to pay for your physical therapy expenses, you may need to file a lawsuit. In a personal injury lawsuit, you can sue the at-fault driver for your physical therapy costs, as well as other damages such as lost wages, medical bills, and pain and suffering.

Health Insurance

If you have health insurance, it may cover some or all of the cost of your physical therapy after a car accident. If the at-fault driver’s insurance or your PIP coverage does not cover all of your physical therapy expenses, your health insurance may pick up the rest of the bill. However, if you are awarded damages in a lawsuit, your health insurance may require you to repay them for the costs they covered.


If none of the above options apply to your situation, you may need to pay for physical therapy out-of-pocket. The cost of physical therapy can be expensive, but it is essential for your recovery. If you cannot afford to pay for physical therapy, consider talking to a personal injury attorney who can help you explore your legal options.


In conclusion, who should pay for physical therapy after a car accident depends on various factors such as:

  • The at-fault driver’s insurance coverage
  • PIP coverage
  • Health insurance
  • Lawsuits

If you have been in a car accident and require physical therapy, it is essential to explore all of your options to ensure you receive the care you need. A personal injury attorney can help you navigate the complex legal system and fight for your right to compensation. 

Remember, physical therapy is crucial for your recovery, and you should not have to pay for it out-of-pocket if someone else’s negligence caused your injuries. Paulozzi LPA has the personal injury experience to help guide you through the complexities of the legal system.

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