If you have been injured in an accident and need chiropractic treatment, several payment options may be available even when someone else is at fault.
Potential Sources of Coverage
Liable Party’s Insurance
When another driver or party is legally responsible for the accident, their liability insurance may cover your chiropractic care as part of your overall medical expenses. To secure reimbursement, you will need thorough documentation, including treatment plans and progress notes from your chiropractor.
MedPay (Medical Payments Coverage)
This optional add on to your auto insurance covers medical costs such as chiropractic care regardless of fault. It usually provides between one thousand and ten thousand dollars in coverage, with no deductible and no requirement to prove fault.
Health Insurance
Your health insurance may cover chiropractic care while you wait for settlement from the responsible party. However, your insurer may later seek reimbursement once your case is resolved.
Uninsured or Underinsured Motorist Coverage
If the at fault driver has no insurance or insufficient coverage, your own UM or UIM policy may help pay for chiropractic care and other medical costs up to your policy limits.
Medical Liens
Some chiropractors accept medical liens, which allow you to receive care immediately and defer payment until your settlement is complete. This option can be helpful if you cannot afford treatment upfront, though not all providers offer it.
Why Insurance Companies May Push Back
Insurance adjusters often dispute chiropractic treatment, claiming it is unnecessary or that the number of sessions is excessive. They may also argue the injury existed before the accident. Strong documentation and legal support are essential in overcoming these objections.
How an Attorney Can Help
An experienced injury lawyer can strengthen your claim by gathering medical records and expert testimony, negotiating with insurers, handling liens, and ensuring reimbursement processes are managed fairly.
When Chiropractic Care Is Most Likely to Be Covered
Chiropractic treatment is often reimbursed for conditions such as whiplash, spinal misalignment, and back or neck strains that are commonly caused by vehicle accidents.
What You Should Do Next
Start treatment promptly if it is recommended, keep records of all visits and treatment plans, document symptoms and limitations, and consult an experienced personal injury attorney to protect your right to compensation and ensure your chiropractic care is included in your claim.
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Disclaimer: The material provided in these blogs is for general informational purposes only and should not be considered legal advice. Our intent is to share knowledge, raise awareness, and provide helpful resources to the public. The photos used in these posts are for illustrative purposes only and are not representative of any actual incident or individuals. If you or a loved one has been injured in an accident, please contact Hillstone Law at (855) 691-1691. Our attorneys are available to answer your legal questions and help you understand your rights.
