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How to get treatment after a car accident and who pays? (Understanding Kentucky's no-fault law)


Why are we discussing this?


I got a call this week from a patient asking if we could still see her following a car accident. The answer is "Yes". It occurred to me that we don't always share this information with you. You absolutely can and should seek chiropractic care as soon as possible following a motor vehicle accident. Knowing the information and steps below will help you to receive care in a timely manner.


There have been A LOT of accidents in the last few weeks. I know! When the sun finally comes out in Kentucky, its hard not to stop and bask.


Kentucky is a "no-fault" state.


This means YOUR car insurance includes the first $10,000 in medical treatment. This is called PIP (personal injury protection) coverage.


Years ago, I asked an attorney who had written a book on this subject, what his best advice was on this topic. He recommended that for not much money you can double or triple your PIP coverage. Why? If you go to the hospital, your PIP may be exhausted before you start treatment. After the first $10K, you have to file to your health insurance and/or get attorneys and the other insurance company involved. (note: each passenger in the car gets a separate $10K)


Important facts:

  1. While an insurance company may recommend a particular doctor or healthcare provider to you, it is ultimately your choice as to which doctor you see. You have the right to choose your own doctor or healthcare provider, and insurance companies cannot force you to use a specific provider unless it is specifically stated in your policy.

  2. To get medical coverage, call YOUR car insurance and request that they open a PIP claim on your accident. You will need the following information: claims address, claims phone number, name of claims adjuster.

  3. If you have a car accident and you are already an active patient, click this link to book your appointment: https://www.ferncreekchiro.com/service-page/established-patient-new-car-accident?referral=service_list_widget

  4. New patients who have been in an accident, click this link: https://www.ferncreekchiro.com/new-patient

What is covered?


While there is never a guarantee, typically this is all covered after your deductible (if applicable). Hence, if you have a $500 deductible, you will pay $500 and then have no out of pocket until you max your PIP benefits.

  • Consultation, exam, x-rays, and re-exams

  • Chiropractic adjustments

  • Spinal decompression therapy

  • Cold laser therapy

  • Muscle stimulation, Percussor, trigger point therapy, kinesiotaping

  • Massage therapy (if available)

  • In-office rehab exercises

What is not covered?


There are a few things that I recommend that are not readily covered by filing insurance. However, that does not mean you won't be reimbursed. Submit the bill to your attorney to be considered in your settlement.

  • Supplements - In particular, I recommend the Soft Tissue Support Pack. It promotes healthy connective tissue, and supports the body’s healing process while maintaining normal inflammatory balance.

  • Braces

  • Therapy equipment & supplies (i.e. ice packs, foam roller, Biofreeze)


What if my PIP coverage is exhausted?


If PIP is exhausted and you have health insurance, it can be billed to there. We are in-network with a few companies, such as Humana, Anthem, and Aetna. Deductibles and co-pays apply and are paid at the time of service. You can seek compensation for these from your settlement.


If PIP is exhausted and you do not have health insurance, you will pay up front at our time-of-service discounted rate. You can seek recompense through your settlement.

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