After a car accident, one of the most important decisions you’ll make is choosing a doctor who accepts auto insurance, PIP (Personal Injury Protection), Med Pay, or medical liens. Unfortunately, many family doctors and urgent care clinics won’t accept these payment types, leaving you with bills and no treatment.
That’s where Accident Doctor comes in. Since 2012, we’ve helped injury victims and attorneys across the U.S. find qualified doctors who specialize in car accident injuries and accept auto insurance.
A doctor who accepts auto insurance specializes in treating patients injured in car, truck, and motorcycle accidents. Unlike your primary care physician who will require you to pay up front, these doctors understand how to bill auto insurance directly through PIP (Personal Injury Protection), Med Pay, the at-fault driver’s liability coverage or your own insurance coverage.
Most primary care physicians and urgent care clinics are not set up for auto accident insurance billing. They are set up to bill health insurance.
Your regular doctor may:
These doctors don’t just treat your injuries, they also provide detailed documentation. Missing or incomplete documentation from the wrong provider can really hurt your personal injury claim. Accident doctors make sure that:
When billing through auto insurance, certain steps and procedures must be followed for the insurance company to pay the bills. This varies based on what State you live in.
Most of our doctors listed on accidentdoctor.org are chiropractors. Chiropractic care is the number one choice for soft tissue treatment. Its what they went to school for and its what most injuries are in car accidents. They have the ability to refer out to specialist if needed.
Whether you were rear-ended or involved in a high-speed crash, our doctors understand the mechanics of how injuries occur. They know how to treat them effectively while maintaining documentation for your attorney.
Chiropractors are the gateway to specialized care in personal injury cases. Most Chiropractors have relationships with physicians and have the ability to refer you to higher level of care. Chiropractors are also very good at billing auto insurance directly.
Medical Physicians usually perform an evaluation and refer you back for chiropractic care or physical therapy. If your injuries require more than chiropractic care, he may refer you out to a specialist.
In some areas of the United States you can find large orthopedic groups who help with broken bones, back issues and provide surgery centers. These orthopedics can bill the auto insurance directly. This level of care is not available in all areas of the US. However, in major metropolitan areas you can usually find an Orthopedic doctor that will bill the auto insurance company.
A neurologist diagnoses and treats nerve and brain injuries that can occur after a car accident.
You may be Experiencing:
A neurologist can perform specialized testing to determine whether your symptoms are related to nerve damage, a concussion, or another neurological condition. And the can bill the auto insurance company for your care.
Pain management specialists help patients recover from moderate to severe injuries following a car accident by treating both acute and chronic pain. Conservative treatments such as chiropractic care or physical therapy may not provide enough relief. A pain management doctor can evaluate your condition and recommend advanced treatment options.
These may include
Pain management is often part of a treatment plan that helps patients return to their normal daily activities while documenting the extent of their accident-related injuries.
Diagnostic imaging centers are part of evaluating injuries after a car accident. Most MRI centers can bill car insurance. Many accident-related injuries, such as herniated discs, fractures, ligament tears, and internal soft tissue damage, cannot be diagnosed through a physical examination.
Imaging centers provide advanced diagnostic services, including MRI, CT scans, and digital X-rays, to help physicians accurately identify the extent of your injuries.
Physical therapy patients regain strength, flexibility, balance, and mobility after a car accident. Accident injuries such as whiplash, back pain, neck pain, joint injuries, muscle strains, and soft tissue damage can limit your ability to perform everyday activities.
A physical therapist develops a personalized program that may include stretching, strengthening exercises, manual therapy, balance training, and other therapeutic techniques to reduce pain and restore function.
Physical therapy is often combined with chiropractic care, medical treatment, and other rehabilitation services to help patients recover safely, prevent long-term complications, and return to their normal daily activities.
Most emergency rooms are equipped to bill auto insurance if you live in States that have PIP ( Personal injury protection ), Medical benefits ( PA ), or No-Fault auto insurance.
One of the most frustrating parts of being hurt in a car accident is figuring out how to pay for medical care, especially when you’re in pain, overwhelmed, and unsure who to call and what to do. At Accident Doctor, we make it easy by connecting you with doctors who accept a wide range of auto insurance options, so you can get treated today.
Here’s a closer look at the types of coverage our doctors accept:
Med Pay is an optional add-on to your standard auto policy that functions like health insurance for accident injuries. It’s especially valuable in States without mandatory PIP coverage. Many people who live in an at-fault state have never even heard of med pay.
What Med Pay Covers:
Even though it’s optional, Med Pay can be a lifesaver when you’re facing out-of-pocket costs. Our doctors know how to bill the auto insurance company directly for Med Pay and help you maximize your benefits.
PIP is a form of auto insurance required in many no-fault states, such as Florida, Michigan, New Jersey, and New York. It allows you to get treatment for your injuries immediately after a car accident, without waiting to prove who was at fault.
Benefits:
Because PIP provides fast, no-hassle payments, it’s the preferred billing method for many accident doctors in our network. in PIP States.
First party medical benefits is only in Pennsylvania. The minimum amount required is $5,000, although many drivers choose higher limits such as $10,000, $25,000, $50,000. Once your medical benefits are exhausted, additional medical expenses may have to paid out of a personal injury lawsuit under an attorneys lien.
What First Party Medical Benefits May Cover
One advantage of Pennsylvania First Party Medical Benefits is that they provide immediate access to medical care without waiting for an auto insurance company to determine who caused the accident. This allows injured drivers and passengers to begin treatment quickly.
Auto Insurance (Third-Party Liability Coverage)
If someone else caused the accident, their liability insurance may be responsible for your medical bills. However, getting paid through third-party liability takes time and often requires an attorney’s involvement.
Challenges with Third-Party Billing:
Not every doctor will work with third-party auto insurance. But our network is built specifically for this. We connect you with physicians who can treat you now and bill the auto insurance company.
Not all auto insurance companies are created equal, and not all are easy to deal with after an accident. But no matter which company you’re insured with, Accident Doctor’s nationwide network includes providers who can bill them directly, whether it’s through PIP, Med Pay, or a third-party claim.
Here are just some of the popular auto insurance companies our accident doctors frequently work with:
If you don’t see your insurance provider listed here, it doesn’t mean you’re out of luck, just contact us, and we’ll connect you with a doctor who works with your specific auto coverage.
Many attorneys recommend seeing a doctor or emergency room within 24 to 72 hours. However, we recommend you see a doctor as soon as you can.
No. Many primary care physicians, urgent care clinics, and family doctors do not accept auto insurance,
Chiropractors
Medical doctors
Orthopedic surgeons
Neurologists
Pain management physicians
Physical therapists
Imaging centers
Yes. Chiropractors who specialize in accident injuries can bill auto insurance.
In most areas around the US, Health Insurance will not pay for accident related injury care. So its not relevant if you have health insurance or not. You will treat under auto insurance or an attorneys lien.
Yes, However, you would need to hire a personal injury attorney to make the at fault party’s insurance company pay for your treatment. They would do this by negotiating a settlement or filing a lawsuit.
No. You do not need an attorney to make an appointment with our physcians.
Yes, any doctor who accepts auto insurance will be able to help with the paperwork and file it for you. Usually this takes place at your first appointment.
You need to find a doctor that does take auto insurance. You can find a doctor that takes auto insurance on every page of this website.
Accident Doctor makes it easy to find providers who specialize in treating accident injuries and accept auto insurance, PIP, Med Pay, no-fault insurance, and attorney liens. Simply use the doctor locator to find a provider near you and schedule an appointment.
We simplify this process by connecting you directly with doctors who specialize in accident-related care and accept auto insurance. Whether you’re in a PIP or non-PIP state, we:
