After a crash, physical recovery often takes longer than expected. Many accident victims in Houston find themselves needing weeks or even months of physical therapy. But here’s the challenge will your insurance pay for it?
At Orange Law Firm, clients frequently ask:
“How do I get insurance coverage for physical therapy after a car accident in Texas?”
The answer depends on your policy, the nature of the crash, and who was at fault.
Texas Follows a Fault-Based Insurance System
Texas uses a fault-based insurance model. That means the person who causes the accident is generally responsible for paying damages, including physical therapy expenses. If another driver hit you, their insurance should cover your treatment. But what if their coverage falls short or they’re uninsured?
Understanding insurance coverage for physical therapy in Texas is key, especially when you’re facing high medical bills. In these situations, having a car accident lawyer in Houston can make the difference between getting fully compensated or paying out of pocket.
Types of Insurance That May Pay for Physical Therapy
Depending on your coverage and fault in the crash, one or more insurance types may apply to your therapy expenses:
1. Liability Insurance
This is mandatory in Texas. If another driver caused your injuries, their liability insurance should pay for your therapy, up to their coverage limit.
2. Personal Injury Protection (PIP)
PIP covers your medical bills, lost income, and rehab—even if you were at fault. It’s optional in Texas but highly recommended. PIP often steps in when liability insurance isn’t enough.
3. Medical Payments Coverage (MedPay)
MedPay is another optional policy that can cover physical therapy bills. Unlike PIP, it doesn’t cover lost wages or extra expenses, but it still offers crucial help for your recovery.
4. Uninsured/Underinsured Motorist (UM/UIM)
If the at-fault driver has no insurance—or not enough—UM/UIM can pay for your damages, including therapy. It’s especially helpful in hit-and-run cases.
If your claim is denied or delayed, a Houston car accident attorney can challenge the insurer, prove medical necessity, and fight for rightful reimbursement.
Who Pays for Physical Therapy After a Car Accident in Texas?
Let’s break it down based on the scenario:
- Another driver was at fault: Their liability insurance pays. If it’s not enough, your UM/UIM coverage may help.
- You were at fault: Your own PIP or MedPay (if included) can cover the therapy sessions.
- Both drivers share fault: Texas follows a modified comparative fault rule. If you’re less than 51% responsible, you can still recover a percentage of your physical therapy costs.
Securing insurance coverage for physical therapy in Texas often requires legal knowledge, especially when the insurance company pushes back. A skilled car accident lawyer in Houston can make sure your claim is handled fairly.
How to Strengthen Your Claim for Physical Therapy Coverage
To improve your chances of getting full compensation, follow these steps:
1. Get Immediate Medical Help
Even if injuries seem mild, see a doctor promptly. Early documentation connects your injuries to the crash.
2. Notify Your Insurance Provider
Inform your insurer about the accident and mention that your doctor recommended therapy.
3. Keep All Records
Save referrals, prescriptions, treatment notes, invoices, and receipts. These documents help show that the therapy was necessary and tied to the crash.
4. Contact a Houston Car Accident Attorney
If the insurer delays, denies, or limits coverage, legal support can turn the tide. Our team reviews policies, coordinates with medical experts, and handles negotiations on your behalf.
Why Choose Orange Law Firm?
We understand the legal and medical challenges involved in securing physical therapy after a car accident in Texas. Led by Attorney Karan Joshi, our firm serves accident victims across Houston with aggressive representation and personalized care.
When your recovery depends on timely therapy, don’t leave your case in the hands of an insurance adjuster. Get a car accident lawyer in Houston who knows how to hold insurers accountable.
We work closely with medical providers, handle all the paperwork, and fight for maximum compensation so you can focus on healing, not legal stress.
Speak with a Houston Car Accident Attorney Today
Don’t risk missing out on needed treatment. Insurance companies often delay or dispute valid therapy claims. Let us step in and protect your rights.
If you’re struggling to get insurance coverage for physical therapy after a car accident in Texas, don’t wait; call our Houston car accident attorney today for a free consultation and let Orange Law Firm fight for the care and compensation you deserve.
