What are your rehabilitation rights after a car accident?
Rehabilitation rights after a car accident
After being involved in a motor vehicle accident, getting back on your feet can be a complex and a confusing process.
Depending on the type of injuries you’ve sustained, more than likely, you will need to undergo some form of Physiotherapy based rehabilitation.
Physiotherapy treatment is designed to restore your quality of life, rehabilitation covers a wide range of healthcare services, including Physiotherapy including hands on therapy, stretches, exercises, cognitive therapy and pain management.
Accessing rehabilitation services can put pressure on your finances, especially if you can’t work as a result of your injuries. Regardless of who was at fault, all parties affected by the car accident are covered under CTP insurance in NSW.
What is CTP Insurance?
CTP stands for Compulsory Third Party insurance, all vehicles registered for road use in NSW need CTP insurance before registration through RMS can be processed.
CTP insurance is designed to cover out-of-pocket expenses such as medical and loss of income or compensation claims caused due to motor vehicle accidents regardless of who was at fault.
To protect yourself from financial hardship or adverse consequences, always make sure your CTP insurance is up to date.
Will Insurance Cover The Cost Of My Rehabilitation?
If you’ve been injured in a car accident, regardless of who was at fault, any reasonable medical costs are covered by CTP insurance.
What is Whiplash?
Any car accident can result in a neck injury, but rear end collisions have especially high rates of whiplash.
When a vehicle gets struck from behind, its occupants will usually be thrown backwards and then forwards on impact.
This can force the neck to stretch beyond its usual range of motion.
Car accident related whiplash can be compounded by the late onset of symptoms. It is not unusual for people not to realise how badly they’ve been injured and fail to seek treatment until several days after an accident.
How do I get rehabilitation after a car accident?
Most insurers will only cover the cost of rehabilitation expenses if they are:
- Reasonable and appropriate
- Directly related to injuries caused by a motor vehicle accident
You’ll need to supply proof that you require rehabilitation for your claim to be approved. This is done by visiting your GP or Physiotherapist as soon as possible after your car accident.
You will need to see your GP who will fill out the appropriate forms for you to pass onto the insurance company.
It’s not enough to simply give your word – insurance companies require documents that can be independently verified.
How do I start the rehabilitation process?
Get in touch with your preferred Physiotherapist. It is important to visit a Physiotherapist who is experienced in providing car accident treatment and rehabilitation. Alternatively, you can contact your insurer about arranging rehabilitation.
Do I have to wait for the CTP insurer to approve rehabilitation?
Once your claim number has been issued, you have two approved Physiotherapy sessions after which your Physiotherapist will submit a request for further treatment.
Delaying treatment could make your injuries worse, potentially causing you even greater pain and suffering. There is a minimum time period which the insurer takes to approve further treatment. An experienced Physiotherapist will be aware of these factors and will submit the appropriate documents in a timely manner to avoid unnecessary delays in treatment.
Ready to start your Physiotherapy rehabilitation journey after your car accident? Get in touch with us today.
You can call us anytime to have a confidential discussion regarding your car accident with our expert Physiotherapists.
Ajit Singh Lamba – Physiotherapist in Parramatta