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Insurance Denying Compensation for Your Physical Therapy? Here’s How to Fight Back!

Have you been injured in a car accident near Jackson, MS? It’s highly likely that physical therapy will be a large part of your recovery process. Experts agree that physical therapy is often essential to fully recovering and getting life back to normal as much as possible after an accident.

According to Enjuris, physical therapy is beneficial and often necessary after an accident for many reasons, including:

  • Relieving pain from injuries
  • Helping injuries improve and heal faster
  • Strengthening muscles and tissues to prevent additional injuries
  • Improving movement and mobility
  • Improving balance
  • Treating chronic conditions that have been aggravated by an accident
  • Controlling your bowels or bladder
  • Adapting to an assistive device (e.g., a walker or cane)
  • Learning to use a prosthetic
  • And more!


Nearly all medical professionals agree on the many benefits of physical therapy. Unfortunately though, when it comes to getting compensation from insurance companies after an accident, physical therapy needs are often unfairly neglected. Insurance adjusters tend to not give much weight to the importance of covering physical therapy bills and will often try to reduce the amount of physical therapy compensation covered by an insurance payout.

According to AllLaw, compensation for short term physical therapy treatments is sometimes lumped into the initial insurance payout, but it’s far more difficult to receive compensation for long-term physical therapy treatments. AllLaw warns that if you need long-term physical therapy (and many car accident victims do!) and those treatments account for the majority of your medical bills, insurance adjusters are likely to use a lower multiplier when fitting your medical costs into the damages formula.

AllLaw further explains that where you receive physical therapy may also affect how the insurance company views it. For example, if your doctor prescribes physical therapy but you receive the actual treatment outside the doctor’s office, the insurance adjuster might give less compensation for the physical therapy bills. Why? Because insurance companies assume that physical therapists will treat patients beyond what’s necessary. In addition, if you seek physical therapy without a recommendation or prescription, insurance adjusters tend to discount your compensation even more.

But it doesn’t have to be this way! Physical therapy is a critical component of your recovery. And when you are suffering injuries from an accident that wasn’t your fault, you deserve to receive compensation for your physical therapy bills.

If you’ve suffered injuries after a car accident caused by someone else’s negligence in the Jackson, MS area, don’t get cheated out of fair compensation for your physical therapy bills! The insurance companies might be denying your claims, but The Heilman Law Group is here to fight back! As a victim of personal injury, you’re entitled under law to receive adequate compensation for your damages, including physical therapy treatments. When you need complete compensation for the medical bills necessary for your full recovery, call 601-914-1025 or send us a message online.


Heilman Law Group, PA

Jackson Office

4266 I-55 North, Suite 106

Jackson, Mississippi 39211

Phone: 601-914-1025

Fax: 601-960-4200


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  • Jackson Office
    4266 I-55 North
    Suite 106
    Jackson, Mississippi 39211
    Phone: 601-914-1025
    Fax: 601-944-2915
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