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Will My Insurance Cover Physical Therapy After a Car Accident in Tampa?

Are you wondering how to afford treatment for your car accident injuries?

If you’ve been in a car accident in Tampa, you need to seek out medical treatment as soon as possible. If you don’t, you run the risk of suffering from long-term injuries and experiencing complications.

For many people who get injured in car accidents, physical therapy becomes an essential part of their treatment. Physical therapists guide patients through a series of motions designed to strengthen injured body parts and help the person regain movement.

But many people worry about affording their treatments. If you’ve been in an accident, you might not know who’s responsible for paying for your treatments.

Below, we’ll get into whether insurance will pay for your physical therapy. Keep reading so you can save money!

Will the Other Driver’s Insurance Pay?

When you get into a car accident in Tampa, you might be able to get the other driver’s auto insurance to pay for your physical therapy.

To do this, you’ll need to exchange insurance information with the other driver. Take pictures of their insurance card and let them do the same to yours. Then, give the insurance company a call. Let them know you’ve been in an accident with one of their drivers and would like to file a claim.

You should call the insurance company as soon as possible. Doing so will kickstart the process of getting your claim processed. The insurance company may ask you to take photos of the damage to both vehicles. These pictures will help them in their investigation of the incident.

During the investigation, they will try to determine who’s at fault. If they find their customer caused the accident, you will be entitled to have your bills and damage paid for. They may also determine that their customer was partially responsible for the incident, in which case you would get some settlement payment as well.

Will Your Insurance Pay?

If you’re at fault for the accident, you might not get money from the other person’s insurance company. Fortunately, though, your auto insurance company may pay to cover your injuries.

As long as you continue to pay your premiums, you’ll have access to insurance that will help you out if you get into a car accident. Most insurance plans cover auto repairs and will pay for accident-related healthcare.

If you’re unsure of what your insurance policy will pay for, call the customer service number on your card. There, you’ll have the opportunity to speak to a customer representative and ask if your insurance covers your injuries.

What if your treatment exceeds that covered by your car insurance? Take a look at your health insurance coverage. Your plan’s benefits may cover physical therapy for disaster-related incidents. However, every insurance plan is different. Your health insurance may limit how much they’re willing to pay for treatment.

No-Fault Insurance

Fortunately, in Florida, every car owner needs to purchase a no-fault insurance policy that covers at least up to $10,000 in damages. “No-fault” refers to the fact that it doesn’t matter whether the other person was at fault or not. All injured parties will get compensated up to a specific amount.

However, not everyone in Tampa has no-fault insurance. Often, drivers who don’t have insurance don’t purchase it because they can’t afford it. So, it’s important that you make sure your insurance policy is no-fault. That way, you’ll get covered even if you’re at fault for the accident.

How to Get More Out of Your Car Accident Claims

Sometimes, auto insurance coverage won’t cover all of your physical therapy charges. Instead, insurance companies often try to pay as little as they can. As a result, you might not get as much money out of your car accident claims.

That’s where hiring a personal injury attorney can come in. Personal injury lawyers who specialize in car accidents will help you secure a better settlement by filing a lawsuit on your behalf. They will also gather evidence and listen to accounts from firsthand witnesses to establish your case.

Most car accident lawsuits settle outside of court. People often get thousands, sometimes millions, more than they would have if they didn’t pursue a lawsuit.

Even if your case does go to court, though, your lawyer will present the evidence and argue your case to the best of their ability. Then, the judge will hand down a verdict, and if you win, you’ll walk away with compensation for your injuries.

So, it’s important to find the right lawyer to represent you. The best attorney will have lots of experience navigating the car accident claim process and negotiating with insurance companies. They’ll also have great reviews from former clients and lots of respect in the field.

In a Car Accident in Tampa?

If you’ve been in a car accident in Tampa, it’s essential that you call an attorney as soon as possible. That way, you can get the process started and get your money quicker.

Looking for an excellent legal team? That’s where we come in. We make it our mission to form a personal partnership with every single one of our clients. Our lawyers will fight on your behalf and be there for you every step of the way.

Want to learn more about what we can do for you? Schedule a free consultation!


In short, after a car accident, you may not know your rights. Above all, don’t struggle through the process alone. Actually, our personal injury team is here to help you with any legal needs you might have regarding your accident.

Lastly, let RHINO Lawyers answer your questions and review the facts of your case with a Free Consultation. So, get started by completing the “Free Instant Case Evaluation” or by calling us any time, day or night, at 844.RHINO.77.