Do Personal Injury Claims Cover Chiropractic Care?


A car accident can leave you with neck, spine, or many other injuries that can be greatly improved with the help of chiropractic care. Whether you opt to seek out a chiropractor to treat your injuries or if chiropractic is included in your scope of medical treatment by your physician, you may be wondering about how you will afford your treatment. 

Chiropractic care can be tricky. Not all insurance companies cover expenses for chiropractic care, but does this mean you’re out of luck entirely? 

You can count on the fact that many personal injury victims seek chiropractic care as a part of their medical treatment plan. Read on to learn more about your personal injury claim and chiropractic care. 

Personal Injury Protection

In order to seek compensation for medical expenses, you must first file a claim with your insurance provider. In Florida, your PIP (Personal Injury Protection), otherwise known as “no-fault coverage” is set in place to cover the following:

  • Medical Treatments
  • Lost Wages
  • Disability and Rehabilitation Costs
  • And in extreme cases, death benefits

Chiropractic care is covered by personal injury protection as a part of your medical or rehabilitation treatment. The details regarding your specific PIP Insurance plan should be discussed with an attorney to assist you in getting the most coverage possible. 

Whiplash and Chiropractic Care

Whiplash can occur after even the mildest car accidents. Essentially, whiplash is the rapid forward and backward movement of the head. This often leaves victims with neck pain and even neurological issues. 

Chiropractic Treatment for Whiplash

Each case will be different. The severity of the injuries sustained will help your chiropractor to determine the best treatment option for you. Chiropractors utilize a variety of tools to assist their patients out of pain. You may be referred to a chiropractor after receiving more traditional medical tests, such as MRIs or CT scans. Your chiropractor may use these along with x-rays or other range of motion tests to develop your treatment plan. With manual manipulation, massage therapy, and more – your chiropractor can help to improve your pain levels significantly. Whiplash can have long-lasting effects, however, chiropractic can help alleviate your pain. 

What If My Claim is Denied for Chiropractic Care?

Oftentimes, you may end up paying for your chiropractic treatment out of pocket. The hope at the end of your claims process is that your insurance claim will reimburse you for your expenses. So, what if your claim is denied? 

Whether you’re seeking reimbursement and compensation for chiropractic care or any other form of rehabilitation after an accident, it is crucial that you work with an attorney on your side. In order to prove your case as best you can, proper documentation and medical records will be necessary. Seeking medical treatment in a timely manner is important. Understand that your insurance company cares more about keeping money in their pockets than taking care of their claimants. 

If you have questions or concerns about getting the treatment you deserve after an accident, call us today to speak with an attorney. 

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