If you have been in an accident and sustain injuries, you may have questions about possible rehabilitation and who will pay for those sessions.
If you need a good insurance with wide coverage or you want to have the best advice, in Euroteide Insurance we can help you, we are specialists in all kinds of Insurance and savings and investment products and we are happy to be by your side and help you.
We are going to analyze when rehabilitation is necessary and who is responsible for the costs derived from it.
When rehabilitation is necessary after a traffic accident
In most traffic accidents, damage occurs to the occupants of one or more of the vehicles involved. These injuries can be minor or serious depending on several factors such as speed, whether or not a seatbelt is worn, and other aspects of the accident.
For a correct and rapid recovery from these injuries caused by an accident, good rehabilitation is essential in most cases. There are very specific exceptions that do not require these treatments.
As each accident is different and no one person is the same as another or responds the same to treatment, the type of rehabilitation and its duration will depend on the specific case and the injuries suffered.
As we have said, the type of injury is different depending on the accident suffered and the type of rehabilitation and its duration will depend on the severity of the injury.
When the injuries suffered are minor, they are usually recoverable damages in a relatively short period of time and that it is possible to heal with rehabilitation completely or almost completely in most cases. The estimated rehabilitation period for the patient to be recovered and discharged due to injury stabilization is estimated to be between one and three months. In addition, it is possible to recover from this type of injury without leaving lesions, as long as the correct treatment is received and in the appropriate time.
On the other hand, when the injuries are serious or very serious, the rehabilitation treatment will be longer and can be carried out in several phases or in a single phase, depending on the injury suffered. In this type of injury, despite receiving rehabilitation, the victim usually has consequences because the damage does not heal completely.
Who is responsible for rehabilitation expenses in a traffic accident
When a person suffers a traffic accident and requires rehabilitation for their recovery, as usually happens in most cases, different circumstances may arise depending on how the accident occurred, where we go to perform the treatment and the insurance that we have contracted.
The injured can go to a private center, to a public health center or to a center arranged with your Insurance.
In the first case, if the injured person prefers to undergo rehabilitation in a center that is outside the coverage of his Insurance, You must pay the full amount corresponding to the treatments and then claim it from the insurance company.
If you go to a public health center, they will carry out the treatment and, later, they will charge you the expenses corresponding to the Insurance that you have contracted. This option is not the most recommended due to the waiting time required, which will affect the recovery of the injured person.
If you go to a center that is on the list of available centers with your insurance policy, Insurance, he will be responsible for the expenses related to medical treatment, as occurs in Health insurances.
In addition, it may happen that the displacement is considered an occupational or commuting accident because it is within the functions of the job, it is found during working hours or on the way to the workplace. In these cases, when considered an occupational accident, the company's insurance company will be in charge of carrying out the evaluation, follow-up and treatment of the person who has suffered the accident.
It may also happen that the insurance that has been contracted has limitations in terms of the protection of the driver and companions, although it does cover third parties. In this case we can find that it has limited rehabilitation sessions, that it does not cover certain diagnostic tests or that it has a maximum amount of expense. If this is the case, we will have to continue the treatment by paying directly or going to a social security center.
Lastly, there are cases in which the Insurance They are not responsible for health expenses. This occurs when the vehicle is not insured with that company, the person who was driving when the accident occurred was under the influence of alcohol or drugs, it is proven that there was fraud or that the injuries suffered by the insured person are not related to the accident.
When you pay the insurance traffic accident rehabilitation
As we have seen, in most cases the insurance pays rehabilitation in a traffic accident.
One of the fundamental elements in a insurance It is the clause that refers to the coverage of medical expenses, since it specifies what treatments are included and the possible limits for amount or rehabilitation sessions, for example.
There are exceptions for which the insurance will not cover expenses and will be mainly in cases of alcohol or drug use, no connection between the injuries and the accident or attempted fraud in the accident.
In all other situations, the Insurance will take care of everything.
In conclusion, we could say that rehabilitation is necessary in most cases when a traffic accident occurs. Its duration will vary depending on the person, the type of injuries and their severity. Mild injuries are totally curable with a short rehabilitation, while serious and very serious injuries will leave sequels despite a long rehabilitation period. The costs of rehabilitation are usually covered by the insurance, unless the accident is considered work-related or there are exceptional circumstances not covered by the Insurance.
If you still have questions about traffic accidents and who bears the costs of rehabilitation, contact Euroteide Insurance and we will answer your questions or concerns about this specific topic or any other related to any type of Insurance policy.