Is Chiropractic Treatment Covered by My Florida Personal Injury Settlement?

If you experienced spine, neck, or any other back injury during a car crash due to somebody else’s negligence, you are probably questioning how to file a claim and who is going to pay for your damages. If your medical treatment calls for a chiropractor, you may also be wondering if insurance will compensate you for their treatment.

It is very common for chiropractic treatment to be sought by accident victims on their road to recovery. In most cases, chiropractic treatment can and will be included in your accident settlement. 

If you have specific questions about your potential car accident settlement that includes treatment from a chiropractor, consult with one of our skilled Tampa car accident attorneys.

Seeking Compensation Via Your PIP Coverage

The state of Florida follows the rules of no-fault insurance, meaning your initial source of financial recovery is probably going to be to file a claim against your personal injury protection insurance. Your personal injury protection will reimburse you for up to 80% of your medical costs, up to $10,000.

Your personal injury protection coverage will typically pay for your chiropractic care without regard to fault. Your coverage, however, spreads only to logical expenses for essential medical care. For example, if your injuries needed two months of chiropractic care and you received care for six months, your personal injury protection coverage will not automatically reimburse you.

In most instances, you can also pursue a third-party claim against the negligent driver. Florida personal injury law enables you to file a claim for damages against the at-fault driver if you sustained some form of permanent injury or to recoup your out-of-pocket expenses.

Seeking a Chiropractic Settlement Through a Third-Party

It is not uncommon for injured parties to seek chiropractic care following a car accident crash. Settlements awarded by third-party insurance carriers usually include compensation for chiropractic care, as long as that care was necessary and reasonable. Some insurance carriers have displayed a bias against chiropractors and will attempt to undervalue your claim.

Adjusters commonly claim that chiropractors continue to treat patients long after they are healed. Your claim will also become a lot more complex if you were receiving chiropractic treatment prior to your accident. 

As with every kind of personal injury case, the endless number of variables makes your claim unique. Someone with a case that sounds very similar to yours could end up with a very different outcome than what you should expect. This is just one of the many reasons why hiring a skilled attorney is beneficial to your Florida personal injury claim. 

Your attorney will know the most thorough and efficient way of collecting vital evidence that proves you were not at fault for the accident. Establishing this fact is essential to the success of your Tampa personal injury case.

If you have sustained injuries during any kind of accident that was caused by another person’s negligence or carelessness, there is evidence out there that will substantiate your claim. A reputable personal injury attorney from Fulgencio Law will be able to help you. Call us at (813) 463-0123 to schedule your free Tampa personal injury consultation today.