Aligned Integrated Health
Who Pays for Chiropractic Care After a Car Accident?
Understanding Your Options in Arizona
After a car accident in Arizona, chiropractic care is usually paid by one of a few sources: your own health insurance, optional medical payments coverage on your auto policy, or the at-fault driver’s insurance through a claim. Arizona is an at-fault state, so the driver who caused the crash is generally responsible for the other party’s injuries. Our team can explain how your visits will be billed when you come in for personal injury care in Scottsdale.
This page explains the usual payment options and why chiropractor records matter for a car accident claim. It is general information, not legal advice. For questions about a claim or settlement, talk with an attorney.
- Help understanding how your visits will be billed
- Clear, consistent records of your injuries and care
- Most insurances accepted, and walk-ins welcome
The Usual Ways Care Gets Paid For
Every crash and every policy is different, so the right answer depends on your situation. These are the sources that most often come into play.
Key Features:
- Your Health Insurance: Many plans cover chiropractic care after an accident, subject to your deductible, copays and visit limits.
- Medical Payments Coverage: Optional MedPay on your own auto policy can help with medical bills regardless of who was at fault.
- The At-Fault Driver's Insurer: In Arizona the at-fault driver's liability coverage is generally responsible for injury costs, usually through a claim.
How Car Insurance and Chiropractic Care Fit Together
A few Arizona basics help make sense of the options.
Arizona Is an At-Fault State
Arizona requires drivers to carry liability insurance with minimums of $25,000 for injury to one person, $50,000 per accident, and $15,000 for property damage. Arizona does not require personal injury protection, so there is no automatic no-fault medical coverage. Instead, injury costs are generally pursued from the at-fault driver’s insurer.
Does Car Insurance Cover a Chiropractor?
Your own auto policy may help if you purchased medical payments coverage, which is optional in Arizona. Check your declarations page or call your agent to see whether you have it and how much. The at-fault driver’s insurance may ultimately cover reasonable treatment, but that usually happens through a claim rather than up front.
Using Health Insurance After an Accident
Many people use their health insurance for care after a crash, then the insurers sort out reimbursement later. Coverage, copays and visit limits vary by plan. Our insurance and payment page explains how we verify benefits.
Why Chiropractor Records Matter for a Car Accident Claim
Insurers look for a clear connection between the crash and your injuries. Records that document your symptoms, exam findings, care plan and progress from the first visit onward help show that connection. Gaps in care or inconsistent records can make that harder. Dr. Dan keeps thorough records for every visit.
When to Talk With an Attorney
If your injuries are significant, the other driver’s insurer is disputing the claim, or you are unsure what you are entitled to, an attorney can explain your options and deadlines. We are glad to provide records your attorney requests.
What to Expect at Your First Visit
Your first visit starts with a conversation about what happened, how you feel now, and what you want to get back to. Dr. Dan performs a hands-on exam, checks how you move, and takes X-rays when they will help guide your care. He walks you through what he found before any treatment begins. Most insurances are accepted, walk-ins are welcome, and our New Patient Special covers the consultation, exam, report of findings and X-rays.
Related Conditions We Treat in Scottsdale
Frequently Asked Questions
Who pays for a chiropractor after an accident in Arizona?
Usually your health insurance, optional MedPay on your auto policy, or the at-fault driver’s insurer through a claim. The right path depends on your coverage and the details of the crash.
Does car insurance cover a chiropractor?
It can. MedPay on your own policy may help regardless of fault if you carry it, and the at-fault driver’s liability coverage generally covers injury costs through a claim.
Does Arizona have PIP coverage?
Arizona does not require personal injury protection. Medical payments coverage is optional, so check your own policy.
Can you send records to my attorney or insurer?
Yes, with your authorization we provide records of your exam, care and progress.
Get Care After a Car Accident in Scottsdale, AZ
Aligned Integrated Health is at 10752 North 89th Place, Suite C130 in Scottsdale. Dr. Daniel J. Gerwig, D.C. has been practicing since 2001 and sees patients here himself. Most insurances are accepted and walk-ins are welcome.
New Patient Special. Includes the consultation, exam, report of findings and X-rays. See the current offer. Not valid for use with federally sponsored programs, such as Medicare and Medicaid.