The cost of physical therapy after a car accident is usually of great concern to an injured party. When you or a loved one have been injured, you want the best care to recover fully.
The good news is that because of New Mexico Law all vehicles with insurance must have some minimum amount of Med-Pay coverage. This means $5,000 of the initial medical expenses including physical therapy are covered including visits to the hospital, visits to urgent care and costs from being transported and cared for in an ambulance. Each person in the vehicle at the time of a crash in New Mexico is entitled to $5,000 worth of med-pay coverage.
The importance of Med-Pay when an accident takes place is crucial because big insurance companies simply don’t want to pay out the damages. Since your insurance likely includes med-pay it protects you from unfortunately outcomes. One such example is not having to pay for physical therapy out of pocket with med-pay coverage.
However, if you have opted out of med-pay on your insurance plan you need to call your insurance company as soon as possible and opt in. It is a very small cost in the long-term as part of your policy that is essential to having a first line of defense against the cost of a motor vehicle accident.
If you are at-fault in the accident, you will have med-pay available to you for any physical therapy costs or the costs to be treated by a doctor.
If however, you are not at fault in the accident med-pay covers physical therapy and cost of recovery. Anything that is over the $5,000 worth of coverage limit on med-pay will be billed to third party insurance. The third party insurance that will be used is from the at-fault driver since you were not to blame. If the driver that hit you that was at-fault did not have insurance you must use uninsured motorist coverage to cover the costs of recovery from the accident.
If you have questions regarding insurance coverage after an auto accident or want to have your case reviewed reach out today.