How to Pay for Car Accident Chiropractic Care in Texas
One of the biggest reasons people put off care after a crash is the fear of a medical bill — and that delay can hurt both your recovery and your claim. The good news: in Texas, there are several ways to get the treatment you need, and many accident patients pay nothing out of pocket. Here's how it works. (This is general information, not legal or insurance advice — for specifics on your situation, talk to your insurer or a personal injury attorney.)
Personal Injury Protection (PIP)
PIP is one of the most useful — and most overlooked — coverages in Texas. Auto insurers here must include at least $2,500 of PIP on your policy unless you reject it in writing, so many drivers have it without realizing it. PIP pays for medical care and a portion of lost wages regardless of who caused the accident, and it kicks in quickly without waiting for fault to be sorted out. Check your policy, or we can help you find out whether you have it.
Medical Payments Coverage (MedPay)
MedPay is similar optional coverage that helps pay accident-related medical bills, again regardless of fault. If you carry it, it can cover treatment costs alongside or in place of PIP.
The At-Fault Driver's Liability Insurance
If another driver caused the crash, their liability insurance is generally responsible for your injury-related expenses. These claims are usually settled after treatment, which is where the next option comes in.
Letters of Protection (When You Have an Attorney)
If you're working with a personal injury attorney, a letter of protection (LOP) lets you receive treatment now and pay from your eventual settlement — with no money out of pocket in the meantime. Your attorney issues the letter, you get the care you need, and the bill is paid when your case resolves. Dr. Skinner regularly treats patients on a letter of protection and documents everything thoroughly for your case.
Health Insurance
Depending on your plan, your health insurance may also cover chiropractic care after an accident. We can help you understand how your coverage fits with your other options.
We Help You Sort It Out
Insurance after an accident is confusing, and you shouldn't have to navigate it while you're hurting. At Action Chiropractic, we'll help you figure out which coverage applies, handle the documentation, and explain your options before any treatment begins — so cost never becomes the reason you went without care. See our full auto injury care → CLICK HERE
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If you've been in a crash anywhere in the Dallas area, call Action Chiropractic at (214) 821-9999 or request an appointment online.
We're located at 5400 E. Mockingbird Ln., Ste. 214, Dallas, TX 75206.
Frequently Asked Questions
Who pays for a chiropractor after a car accident in Texas?
Depending on your situation, it may be your PIP or MedPay coverage, the at-fault driver's liability insurance, your health insurance, or a letter of protection if you're working with an attorney. Many patients end up paying nothing out of pocket.
Do I have PIP coverage in Texas?
Quite possibly. Texas insurers must include at least $2,500 of PIP unless you rejected it in writing, so many drivers have it without knowing. Check your policy or let us help you find out.
Can I get treatment if I don't have health insurance?
Often, yes. PIP, MedPay, the at-fault driver's coverage, or a letter of protection can all pay for care without relying on health insurance.
What is a letter of protection?
It's a document from your personal injury attorney that lets you get treated now and pay from your settlement later, with no out-of-pocket cost in the meantime. The provider is paid when your case resolves.
Will I have to pay anything out of pocket?
In many cases, no — between PIP, MedPay, liability coverage, and letters of protection, most accident patients are covered. We'll go over exactly how your treatment will be paid for before you begin.