Will Insurance Cover Physical Therapy After My Car Accident in Pennsylvania?

Maybe; the answer depends on whether you have limited tort insurance coverage or full tort insurance coverage, how much insurance coverage you have, and who was responsible for the crash.

Pennsylvania’s “choice no-fault” insurance system can be confusing, but we’re here to help you understand and get the money you’re entitled to.

If you were injured in a crash caused by the other driver, a Philadelphia car accident lawyer may be able to help you get compensation for physical therapy, lost wages, and other damages.

Understanding Pennsylvania’s “Choice No-Fault” Insurance System

At Morelli Law Firm, our lawyers want to make sure people have all the information they need before they make important decisions.

Here are explanations of the two different types of car insurance coverage available in Pennsylvania and how they may affect your ability to have your physical therapy covered by insurance.

Limited Tort Coverage

Slightly cheaper than full tort coverage, limited tort coverage–also called Personal Injury Protection (PIP)–works like no-fault insurance systems, so your insurance company will pay for your medical expenses regardless of who was responsible for the crash.

The tradeoff is that limited tort coverage–as its name implies–limits your ability to sue an at-fault driver for damages that are higher than what your insurance policy covers.

Fortunately, there are exceptions for certain serious injuries that do allow you to seek compensation from the responsible party.

Full Tort Coverage

Full tort coverage works like at-fault insurance systems, and you must prove that the other driver was at fault for the accident for their insurance to cover your medical bills and more.

If you caused the accident, you won’t get any money for physical therapy with full tort coverage.

However, if you weren’t the responsible driver, it is somewhat easier to get compensation from the responsible driver’s insurance if you have full tort coverage.

Third-Party Liability Coverage

While people with full tort coverage must pursue the liable driver to get compensation for their injuries, people with limited tort coverage can only pursue third-party liability coverage if they suffer a serious injury in the accident, such as:

• Death
• Spinal cord injury
• Traumatic brain injury (TBI)
• Permanent disfigurement
• Permanent loss of a vital bodily function
• A fracture

How a Philadelphia Car Accident Attorney Can Help You

The main thing you should know about us at Morelli Law Firm is that we’ll fight hard to get you the compensation you deserve after being injured in a car accident, regardless of whether you have limited or full tort coverage.

Here are some of the ways we go about helping you get maximum compensation for your injuries.

Investigate the Crash and Collect Evidence

To receive compensation for pain and suffering or other non-economic damages, you need to be able to prove that another party (usually another driver) caused the crash and is therefore responsible for your injuries.

Our experienced attorneys will investigate the accident and gather evidence like:

• Dashcam videos
• Traffic camera footage
• Surveillance videos from nearby businesses
• Bodycam footage from police officers who responded to the accident
• Eyewitness statements
• Your medical records
• The police report

Prove Liability

If the police report isn’t clear enough, we can hire accident reconstruction specialists to help prove that the other party caused the crash and owes you compensation for your injuries.

Negotiate With Insurance Companies

Whether it’s your PIP insurance company or the other driver’s insurance carrier, we can negotiate with adjusters who want to bully you into accepting the smallest settlement possible.

Since insurance companies know that we aren’t afraid to take cases to trial, they are far more likely to offer us a fair settlement than they would if you talked to them yourself.

Take Your Case to Trial

If the insurance company refuses to offer you a fair settlement, we’ll take your case to trial and prove to a jury why you deserve the amount of money you’re asking for.

How Much does a Car Accident Lawyer in Philadelphia Cost?

You’re already worried about paying for physical therapy, and we don’t want to add any financial stress to your life during this difficult time, so we work on a contingency fee basis.

That means we don’t charge anything upfront for our services at Morelli Law Firm. We take a percentage of the money we get for you, instead.

If we don’t get you any money, then you never owe us anything.

Schedule a Free Consultation With a Philadelphia Car Accident Lawyer

If you’re having trouble getting your physical therapy covered by insurance after you were injured in an accident that wasn’t your fault, contact the Philadelphia car accident lawyers at Morelli Law Firm.

Our compassionate attorneys have more than 40 years of combined experience and have recovered over $700 million for our clients.

Schedule a free, no-obligation consultation today to find out whether we can help you get insurance to cover physical therapy and how much your claim may be worth.