Who Pays For Treatment After A Car Accident?

Insurance claim form being held by a man's hand over a desk.
If you are injured in a car accident and suffering from back, neck, and spine-related injuries, you need to contact a chiropractor to provide a non-invasive way of healing your wounds.

Injuries from a car accident can not only cause you physical pain and discomfort, but it can drain your finances in the form of excessive medical bills and a possible loss of work.

Where you have sustained injuries in a car accident, you are entitled to compensation under personal injury protection (PIP) insurance.

No out of pocket expenses!

What Is PIP Insurance?

If you sustained injuries following a car accident, personal injury protection coverage (PIP) can compensate you for the expenses incurred because of the injuries. PIP insurance can cover medical and hospital costs, chiropractor services, and other related damages resulting from the accident.

Personal injury protection or no-fault insurance helps those involved in the accident to cover medical expenses, loss of work costs, and other economic damages that resulted from the accident, irrespective of who was at fault.

What Does PIP Insurance Cover?

Personal injury protection insurance covers the policyholder, the policyholder's family, the passengers in the car, and any person driving the policyholder's car at the time of the accident.

You can be covered under PIP insurance even when driving someone else's car or getting struck by a vehicle while walking, running, or cycling.

The coverage of PIP insurance may include:

  • Medical expenses: These may include hospital charges, medication, chiropractic services, dental and eye care and nursing, and prosthetic charges.
  • Loss of income: Where you or any injured passenger lose work because of the injuries;
  • Funeral expenses: Where the car accident causes death.
  • Other expenses: The replacement cost when you are incapable of doing work like household chores, child care, or lawn care.

What Does PIP Insurance Not Cover?

Your PIP insurance will not cover compensation for the pain and suffering of the injured parties. It will also not cover the damages to your vehicle or any other property.

PIP Coverage After An Auto Accident In Minnesota

Personal injury protection insurance is compulsory for all drivers in Minnesota. Minnesota is a no-fault state. As such, no fault insurance covers all expenses incurred due to an auto accident, regardless of who caused it.

If you suffered injuries from a car accident in Minnesota, you could receive a minimum PIP insurance coverage of $40,000 per person per accident, which includes $20,000 for medical care and $20,000 for non-medical expenses like loss of wage costs.

If the insurance company disputes the payment of any eligible expenses, you can pursue an arbitration proceeding against the insurance company to clarify each party's obligations.

In case of an auto accident, a standard Minnesota insurance policy would cover the following benefits:

  • Personal injury protection (PIP): It provides a minimum coverage of $20,000 for medical expenses and $20,000 for non-medical costs that may include at least a partial reimbursement of loss of wage expenses per covered person.
  • Liability coverage: Where you are found at fault in a car accident, Minnesota laws protect you by restricting the liability to $ 30,000 per covered person and $60,000 per accident in liability coverage.
  • Underinsured or uninsured driver: Where the auto injury happened because of another driver who has inadequate or no insurance, your insurance policy would provide a minimum compensation of $ 25,000 per covered person and $50,000 per accident.

Who pays for a chiropractor after an accident?

If you have suffered injuries involving pain and discomfort from a car accident, you need to contact a chiropractor immediately.

Chiropractic care can relieve pain and discomfort, reduce inflammation and scarring, restore range of motion, and allow your body to heal.

A chiropractor service specializing in accident care can also assist you in completing the paperwork required to get the insurance claim reducing your financial burden.

Minnesota PIP insurance covers medical costs, like chiropractic services, up to a minimum of $20,000 regardless of whose fault caused the accident.

PIP Insurance Coverage By State Overview

Your PIP insurance coverage will depend on where you live in the U.S.

  • No-fault states: If you live in one of the 12 no-fault states, your PIP insurance will cover all expenses that arise from a car accident, regardless of who is at fault, till the threshold is met;
  • Other states: In other states, there is no restriction on your right to sue the driver at fault. However, there are four at-fault states that require you to get PIP insurance coverage.

PIP Insurance Would Cover The Following:

Medical expenses include:

  • Medical services
  • Surgical costs
  • Chiropractic services
  • Hospital and extended care
  • Nursing services
  • Dental and eye care
  • Transportation to and from treatment centers
  • Rehab and prosthetic services
  • Acupuncture
  • Massage therapy
  • X-rays
  • Prescriptions
  • Ambulance services

Loss of income benefits, including:

  • 85% of the gross income of the injured person up to a maximum of $500 per week
  • Wages of substitute employee who covers the work of the injured person
  • Costs of replacement services like household chores and grocery purchases can extend up to $200 per week

To get the coverage, a physician must verify that the injured person cannot do the work because of car accident injuries.

Death benefits:

Where the car accident leads to a death of a person covered under the policy, a funeral cost of up to $5000 is provided. The survivors can receive up to $500 per week and replacement services coverage up to $ 200 per week.

Contact Accident Care Chiropractic MSP

We at Accident Care Chiropractic of Minnesota specialize in offering highly personalized treatment for car accident injuries.

Other than providing a specialized treatment plan that helps you recover quickly, our specialized staff in St Paul, MN, can assist you with the paperwork required to process your car insurance claims to get the maximum coverage possible.

Accident Care Chiropractic helps you with the insurance claim procedure, so you can concentrate on your recovery and get back into shape in no time.

If you or your loved one have experienced car accident-related injuries, contact us to schedule a chiropractic treatment consultation!

Chiropractor Book Appointment

Appointment Booking

Same Day Appointments Available
Chiropractor St. Paul