Will My Personal Injury Insurance Cover Mental Health Services? 

The accident came out of nowhere. Just like that, your life changed forever.

You know how challenging it can be to adjust to the realities of life with an injury. Depending on the circumstances of your injury, you may be unable to complete daily tasks that you once took for granted. You may have to take time off work, adjust social plans, and attend various appointments in the interest of your recovery.

The future may appear bleak. Recovery takes time, and the psychological scars that result from an injury may be more profound than the physical ones. Studies show that one in three people will experience depression in the immediate aftermath of an injury. 

Unfortunately, counseling and other mental health treatments are luxuries that not everyone can afford. However, your insurance company may be able to cover the costs of mental health services under certain conditions. 

Insurance Companies Require Documentation to Support Your Claim

Suppose your insurance policy covers mental health treatments. In that case, you will need to prove in your settlement demand that those treatments are “reasonable and necessary” to treat mental health conditions caused by an accident. Again, a personal injury attorney can help you gather the documentation needed to prove the impact of the injury on your psychological well-being, including records of past mental health diagnoses and current treatment plans. 

A Personal Injury Attorney Will Fight For Your Psychological Well-Being

Insurance companies may not offer mental health coverage in their initial settlement offer. However, your personal injury lawyer will negotiate with insurance adjusters on your behalf to ensure that you receive fair compensation for all injuries – physical and psychological.

Psychological wellness and physical wellness go hand and hand. Recovery may take longer if your quality of life has waned because of your injury. However, you do not have to pay out of pocket for the mental health treatments necessary to help you recover. An experienced personal injury attorney will fight for your right to fair compensation in all aspects of your recovery.