One of the ways of a motor vehicle collision can become financially devastating is through the slow accumulation of medical costs and fees. For those who are able to walk away from an accident with less severe injuries such as simple fractures or soft tissue injuries, the ongoing cost of treating the symptoms associated with these injuries can seem quite surprising.
After all, it’s not as though whiplash is as serious as a spinal cord injury or a closed head injury. However, it can take some time for your soft tissue injury to heal, necessitating chiropractic care to manage your pain and promote faster healing. Those with serious soft tissue injuries or broken bones may also need physical therapy to regain strength and range of motion in the affected area.
The cost for these kinds of care can quickly add up, especially if your medical insurance won’t cover treatment associated with a car crash, which is one reason why people may want to consider seeking compensation after a car accident where they got hurt.
Motor vehicle insurance or personal injury claims can cover more kinds of care
Many health care plans have strict limitations on the kinds of care they cover. Chiropractic care may only receive partial coverage or, in some cases, no coverage at all. The same could be true of massage, even if your physician or physical therapist recommends it.
Even if your insurance covers it, you may have to worry about a hefty coinsurance or co-pay as well as any deductible on your policy, making such care prohibitive for your budget while you can’t work.
Bringing a claim against a motor vehicle insurance policy or through a personal injury lawsuit against the driver responsible for the crash can help you cover the costs of treatment often not fully paid for by standard medical insurance policies.
Hands-on care may be necessary for long-term recovery
Although some insurance companies are loath to cover so-called feel-good care practices such as massage and chiropractic care, hands-on therapy can be incredibly important for pain reduction and mobility as you heal from a soft tissue injury or broken bone.
Weekly or even more frequent sessions for chiropractic adjustment, massage and physical therapy may be necessary to minimize the amount of pain you experience during your convalescence and improve your overall prognosis, as well as the strength, flexibility and range of motion in the affected body part.