The cost of physical therapy after a car accident varies depending on several factors. That includes:
- Your location.
- Severity of your injuries.
- Frequency and duration of sessions.
- Type of therapy provided.
- Your insurance coverage.
On average, a physical therapy session can cost anywhere from $50 to $350 or more without insurance. However, with insurance, copays might range from $20 to $50 per session, though this depends on your specific insurance plan's coverage details.
PIP typically covers medical expenses related to a car accident, including physical therapy. The extent of coverage can depend on the specifics of your insurance policy and the laws of your state.
PIP insurance is designed to cover medical expenses regardless of who is at fault in the accident. This usually includes doctor visits, hospital stays, surgery, and rehabilitation services like physical therapy.
However, PIP doesn’t typically cover non-economic damages, such as pain and suffering. If your damages exceed your policy limit, you may be able to file a 3rd party tort claim against the other driver’s insurance company.