Paying for Physical Therapy After a Washington Car Crash
Washington is a fault state. When someone causes a car accident, they—or their insurance company—must pay for the other motorist’s damages. A claim for damages could cover:
- Past, present, and future medical expenses
- Prescription medication co-pays
- Physical rehabilitation
Insurance Companies and Physical Rehabilitation
Every Washington driver must have an automobile insurance policy. While you might expect that the other driver’s insurer will cover your accident-related expenses, you should never forget that insurance companies are for-profit businesses. Oftentimes, they are more interested in protecting their profit margins than providing a fair recovery. They employ many different tricks, tactics, and strategies to devalue car crash claims. So, even if your doctor says that you need physical rehabilitation, the insurance company might try to evade responsibility by claiming:
- You were responsible for the accident. Even if your car accident claim seems open-and-shut, the insurance company might demand evidence that the other driver’s negligence caused the collision. If you show them a police report, surveillance footage, or other seemingly irrefutable evidence, they might still try to argue that you were at least partially responsible for the crash—and that they do not have to pay you the full amount to which you would otherwise be entitled.
- You don’t really need physical therapy. Car insurance companies do their own math when deciding how to value automobile injury claims. Needless to say, this math usually relies on the opinion of their own medical experts, who might review your files and say that physical rehabilitation is not “medically necessary.”
- Your injuries were not caused by the crash. If you do not contact an attorney immediately after an accident, the at-fault motorist’s insurance company might peruse your social media accounts, ask for medical records access, and even try to speak to your doctor. If they can find any way to construe your injuries as “pre-existing,” they will refuse to pay for your physical therapy.
Protecting Your Rights After an Injury
Insurance companies are notorious for devaluating car crash-related injuries. However, Washington law is clear-cut: you should never have to pay for an accident you did not cause. You could protect your legal recovery by:
- Seeking immediate medical attention. Even if you do not believe you were seriously injured in the accident, you should still make an appointment with a medical professional. A physician could help identify and treat injuries you already have. If they believe you need physical rehabilitation, you will be able to show the insurance company that the doctor believes physical therapy is a necessity.
- Document your symptoms. You could create a pain journal or other record to document any symptoms you experience after a serious Washington car crash. Ideally, your pain journal will include regular entries detailing your medical symptoms, physical feelings of pain, and any prescription or over-the-counter medications you are taking to alleviate it.
- Speaking to an attorney. Insurance companies know that most car crash victims do not understand Washington’s complicated medical claims process. Even if they present you with a settlement offer, it might not account for your physical therapy and other anticipated expenses. They may even refuse to negotiate with you, citing a never-ending list of excuses. However, attorneys are familiar with the insurance industry’s tricks. We do not let our clients get bullied. Max Meyers Law could handle all of your communications with the insurance company, collecting, compiling, and analyzing the evidence needed to get you fair compensation.
Do You Need a Better Settlement? Contact Max Meyers Law Today
Max Meyers Law is a people-focused practice. Our dedicated team of Washington attorneys seeks to understand our clients’ needs. When we take a case, we stick up for our clients’ rights—and have the results to show for it. You do not need to bear a life-long burden of pain: please send Max Meyers Law a message online or call us at 425-970-8822 to schedule your free, no-obligation consultation as soon as possible.