When you get into a car accident in Arizona, it is important to understand how insurance pays for your recovery and what type of recover a Gilbert physical therapy organization can offer. In this discussion, we will lay out how the various types of auto insurance coverage available in Arizona cover car accident injury treatments, and how physical therapy can get you back on your feet.
In the state of Arizona, every driver has legally mandated minimums for the various kinds of coverage they carry in case of an accident. Bodily injury liability coverage would pay for any medical expenses incurred by the other party in an accident if you were deemed responsible for the accident. The minimum coverage every Arizona driver must carry is $15,000 per person, and $30,000 per incident. If you are injured in an accident and the accident is your fault, you would be covered by something called MedPay coverage. If you have no MedPay coverage, then your health insurance would pay for your injuries.
Arizona drivers are also required to carry property damage liability coverage, which pays for any property damage you caused as the result of an accident you were responsible for. This includes damage to the other vehicle, and any other property damage that occurred as the result of your actions. The Arizona mandated minimum for property liability coverage is $10,000 per incident. The collision insurance on your auto insurance would pay for any repairs your vehicle might need.
Bodily injury liability coverage pays for everything from emergency medical treatment to ongoing therapy after the accident. In a car accident, you can be susceptible to a wide variety of injuries. The most serious types of injuries include:
- Back injuries
- Neck injuries
- Broken limbs
- Broken hip
- Joint injuries
When you talk to your doctor about a full recovery from your car accident injuries, the topic of physical therapy for car accidents will come up. The reality is that there is only so much your doctor can do to help you recover from your injuries. Areas of recovery such as full range of motion and pain management can best be served through a professional physical therapy organization.
The kind of back pain physical therapy experts deal in can range from nagging aches and pains, all the way up to chronic and crippling pain. Surgery and medication can only do so much to relieve your pain, and in most cases medication is only masking the causes of your discomfort. A professional physical therapist can help you to handle or eliminate that pain, and give you exercises that will get you back on your feet.
The two most important elements of a good recovery from a car accident injury are regular check-ups with your doctor, and maintaining regular appointments with your physical therapist. In some instances, car accident injuries can appear to be minor in the immediate wake of the accident. But when the adrenaline wears off, you are left with significant pain and discomfort that requires the care of a professional physical therapist.
Most people do not realize how damaging a car accident can be to the human body. Contact made between vehicles going as slow as 15 miles per hour could result in serious injuries for parties in both vehicles. That nagging pain you feel in your neck after an accident should not be ignored. It could be damage to your spine, or it could be whiplash. You need to see a doctor immediately, and then set up regular appointments with your physical therapist.
Emergency treatment and medication do their best to solve the initial medical issues and help the patient to handle the pain. But as time goes by, your body will need more comprehensive treatment to truly recover from its injuries. If you do not engage in physical therapy after an accident, you could be causing more damage to your body that could take years to fix.
A professional physical therapist will address all of your problem areas, and then work to strengthen support areas in your body that will ensure a smoother recovery. For example, a lower back injury can be helped by strengthening the muscles in the lower back to offer more stability to the damaged areas. A physical therapist can put together a program that will address those immediate problems, and then give you exercises that will strengthen all of the support mechanisms in your body as well.
If you are in a car accident and it is not your fault, then you can rest assured knowing that the other party’s auto insurance will pay for your recovery. Your recovery should consist of an immediate visit to your doctor to handle your medical needs, and then ongoing visits to a physical therapist to create a plan for long-term recovery.