I was in a non work-related car accident. How does insurance work if I need physical therapy?
The primary insurance in this case is always “Med Pay”. This is an optional coverage you may carry on your auto insurance policy. It usually has a $5000 maximum benefit, but may be used by you and / or your passengers without penalty, no matter who was at fault in the accident. If Med Pay is not available, your health insurance would be billed. In cases where you were not at fault in the accident and you will be hiring an attorney, we would agree to forego payment until your case is settled, providing we have a signed lien on file.
