Glossary: Rehabilitation

Posted: June 18, 2022


Someone involved in a car accident may end up needing some form of rehabilitation, such as physical therapy, in the short or long term. Proper rehabilitation can potentially help an injured person reach pre-accident status or maximum medical improvement.  

Who Pays for Rehabilitation and Physical Therapy Expenses?

As a no-fault state, New York car insurance will in most cases provide personal injury protection (PIP) coverage. This coverage pays for certain medical expenses, lost wages, and other necessary expenses up to a certain amount.  An experienced attorney can assess the situation and advise whether there is insurance coverage for rehabilitation expenses, including physical therapy. 

What Does the PIP Coverage Include?

No-Fault insurance provides coverage for several different types of accident-related expenses, including:

Payment for medically necessary treatment after accident injuries.

Lost wage reimbursement for time missed from work, including at least 80 percent of average weekly earnings or up to $2,000 per month, whichever is less, for up to three years. This coverage is sometimes offset by New York State disability benefits. If the insured has Additional Personal Injury Protection (APIP) or Optional Basic Economic Loss (OBEL), additional coverage can provide benefits above that afforded by PIP coverage. 

Reimbursement for other expenses related to an accident injury, including transportation costs to and from medical treatment, as well as certain other medically necessary expenses may be covered by an insurer up to a certain daily limit. It’s normally suggested that  a log of expenses be submitted to the No-Fault insurer every 30 days.

Recovering for Pain and Suffering 

Sometimes, despite physical therapy and other rehabilitation, the injured person never returns to pre-accident status. This can happen when the injured person sustains a permanent injury. 

An experienced car accident attorney can help you receive an appropriate settlement amount that takes into account the injury severity. The team at William Mattar P.C. can assist clients get maximum compensation. Contact us today to schedule a consultation for a case assessment.

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