Does my car accident claim cover mental health therapy?

Injuries sustained in a car accident aren’t always physical. Often, injuries from a car accident are not visible. When psychological therapy is required to treat injuries after a car accident, a policyholder may wonder whether or not a car insurance company will pay for the coverage. Here’s what you need to know:

It Depends on the Policy Amount

Your insurance company is only liable for paying damages up to your policy amount. In Iowa, your medical payments coverage -- if you have it -- will pay for all medical expenses. Medical payments coverage is not required, and the limit is $5,000. Often, physical injuries alone are enough to exhaust this amount.

If the accident was the fault of the other driver, then that driver’s bodily injury liability coverage, which is required in a minimum amount of $20,000 per person, can pay for mental health therapy.

The Extent of Your Injuries and the Severity of the Accident

Assuming that the policy amount is great enough to cover the expense of mental health injuries, an insurance company most likely will pay for those expenses, assuming that they are reasonable for both the severity of the accident and the seriousness of your physical injuries. If mental health injuries appear too extreme for either, then a car insurance company may deny this part of the claim.

What are my other options for getting mental health therapy paid for?

If an insurance company refuses to pay for mental health therapy or if injuries are so severe that filing a claim with the insurance company will not yield enough damages, you have another option: You can file a personal injury lawsuit for damages. A personal injury lawsuit can yield damages for all forms of medical expenses, as well as damages for mental pain and emotional (and physical) suffering. A claim must be filed within two years under Iowa Code 614.1.

How an Attorney Can Help Recover Damages for Mental Health Costs

If you’re filing a claim with an insurance company, you’ll have to prove that your mental health injuries are significant enough to require treatment and that the insurance company should be responsible for paying for this expense. During this negotiations process, an attorney can be a key asset.

If you want to file a personal injury lawsuit instead, an attorney can be critical in explaining the law and your options. At Walker, Billingsley & Bair, we can help you today. Call us at 888-435-9886 now or contact us online

Corey Walker
With 19 years legal experience, Corey has been recognized for his work as an injury attorney.