Will Insurance Cover the Cost of a Chiropractor After a Car Accident?

Following a car accident, issues like whiplash, muscle strain, headaches and concussions can generate acute and lingering symptoms. Many people are able to heal these types of injuries through chiropractic care. However, some avoid a holistic option like chiropractic care because they don’t want to deal with insurance “gray areas.”

Will insurance cover the cost of a chiropractor after a car accident? First, you should know that this can vary by state and insurance company. The first thing you’ll need to do is to get in touch with your insurance company. You’ll want to ask if your policy has Personal Injury Protection (PIP) or Medpay. For insured people in Washington, policies provide $10,000 in PIP unless you have specifically declined this coverage in writing.

Can I Get Chiropractic Care for an Accident If the Other Drive Wasn’t Insured?

Yes, your own insurance policy will likely cover your chiropractic treatments regardless of who was at fault for the accident. The common assumption is that treatments are only provided if the at-fault person’s insurance policy will cover then. As a result, many people who are hit by uninsured drivers assume they can’t get the care they need to heal. If the other party is insured, you may be advised to seek medical care as soon as possible with the intention of seeking reimbursement from the at-fault party’s medical insurance.

Why Seeking Care Immediately Following an Accident Is Important

First, you shouldn’t have to endure in agony while waiting for the at-fault driver’s insurance company to get back to you. Secondly, seeking care as soon after an accident as possible will help you to document your injuries. The high-tech imaging and diagnostic testing done at chiropractic offices today can be used by your attorney to provide objective measurements of the severity and scope of your injuries. It’s very important to receive an evaluation as quickly as possible following an accident when making a claim because common accident injuries like whiplash can lead to acute neck pain that requires long-term treatment coverage.

Will Medical Insurance Cover Chiropractic Care If I Don’t File a Claim Following a Car Accident?

Unfortunately, some people suffer with lingering pain for years following an accident because they didn’t understand the severity of their injuries at the time. In Washington, state-regulated health plans are actually compelled to include chiropractic care. Medicare also covers some degree of chiropractic care. What’s more, the need for a referral for chiropractic care is often waived.

Do You Need to See a Chiropractor Following an Accident in Redmond, Washington?

At Structural Chiropractic, Dr. Tony Brooks treats patients struggling with pain and injury following auto accidents every day. Using our cutting roster of diagnostic and imaging tools, we’re able to help our patients verify the nature and extent of each injury. We want to get you on the road to healing in the aftermath of whiplash, a head injury, neck pain, headaches and whatever other issues an auto accident has left you with. For more information about getting chiropractic care following a car accident, contact Structural Chiropractic to book your appointment.