{
  "@type": "Article",
  "author": {
    "name": "Law Office of Brett Peterson",
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  "headline": "Why is My Insurance Not Covering Physical Therapy After an Accident?",
  "publisher": {
    "url": "brettpetersonlaw.com",
    "name": "Law Office of Brett Peterson",
    "@type": "Organization"
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      "name": "San Diego",
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      "name": "Imperial Beach",
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      "name": "Coronado",
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  "articleBody": "It's incredibly frustrating when you're trying to recover from a car accident and your insurance seems to drag its feet on covering physical therapy. Often, insurance companies might deny or limit physical therapy coverage for a few reasons. Sometimes, they argue that the treatment isn't 'medically necessary,' or that it's related to a pre-existing condition, not the accident itself. They might also claim you've reached the policy limit, or that there were delays in seeking treatment which makes them question the injury's origin. These arguments can feel like a direct attack on your recovery, and it's tough to fight them alone. However, understanding your policy's specifics, keeping detailed records of all your medical appointments and recommendations, and communicating clearly with your healthcare providers can help. You need strong documentation that directly links your physical therapy to the injuries sustained in the accident. Don't let insurance hurdles slow down your recovery or make you feel like you have to pay out of pocket for essential care. If you're facing these kinds of challenges, it's a good idea to reach out for expert help. A personal injury attorney, like Brett Peterson, can step in, evaluate your case, and advocate on your behalf to ensure you get the coverage you deserve for your physical therapy in San Diego.",
  "datePublished": "2026-08-25"
}