Can Therapy Be Covered in a Personal Injury Settlement in Colorado Springs?

If you’ve been injured in an accident in Colorado Springs, you may already know that medical expenses can be included in a personal injury settlement. Many accident victims require ongoing physical therapy, occupational therapy, and even counseling to recover fully. These treatments can last months, or even years, and the costs add up quickly.

This article explores whether therapy can be covered in a personal injury settlement in Colorado Springs, what types of therapy are often compensable, and how insurance companies handle these claims. By the end, you’ll have a clearer picture of how settlements work, what evidence matters most, and when it’s wise to contact a Colorado Springs personal injury attorney for help.

Understanding Personal Injury Settlements in Colorado Springs

When someone is injured due to another party’s negligence, due to a car accident or a slip and fall injury, they may file a personal injury claim. A settlement is intended to compensate the injured person for both economic damages and non-economic damages. Therapy is often a critical part of recovery. Depending on the circumstances, it may be categorized as either medical treatment or supportive care tied to the victim’s emotional well-being .

Insurance companies don’t automatically include therapy costs in every settlement. Instead, they assess the necessity, duration, and documentation of the therapy. This is where working with a personal injury lawyer in Colorado Springs becomes essential. Your attorney helps build the evidence needed to prove that therapy is a direct result of the accident and should be covered in your settlement.

Types of Therapy that are Commonly Included in Settlements

Different forms of therapy may be required after a serious accident. Courts and insurance companies recognize these as legitimate expenses when they are prescribed by a doctor and properly documented.

Physical Therapy: Physical therapy is perhaps the most common post-injury treatment. It helps restore movement, strength, and function after fractures, spinal injuries, or soft-tissue damage. With a physician’s recommendation, these costs are often recoverable in a settlement, and a Colorado Springs personal injury attorney can make sure they’re not overlooked

Occupational Therapy: In cases where injuries affect a person’s ability to work or perform daily activities, occupational therapy may be required. If someone loses mobility on their dominant side after a car accident, occupational therapy helps retrain and adapt. These services can be expensive, but a personal injury attorney in Colorado Springs they are generally considered compensable as long as they are accident-related.

Psychological Therapy and Counseling: Accidents often lead to emotional trauma, like PTSD, depression, or anxiety. Mental health counseling, therapy, or even psychiatric treatment may be necessary. While some insurance adjusters may initially push back on covering these costs, courts in Colorado recognize that psychological injuries are as real as physical ones. With the right documentation, these expenses can be included in a settlement.

Speech Therapy and Specialized Treatments: For brain injuries or trauma affecting communication, speech therapy may be required. Similarly, rehabilitation for spinal cord injuries or neurological conditions often involves unique therapeutic services. These may not always be covered without strong advocacy, but a personal injury attorney in Colorado Springs can push for full compensation.

Therapy Costs and How They Are Calculated into Settlements

When therapy becomes part of your recovery after an accident, insurance companies don’t automatically agree to cover those expenses. Instead, they conduct a careful review to decide whether the treatment should be included in your personal injury settlement. This evaluation process can be complex and often determines how much compensation you ultimately receive.

• Medical Documentation: Insurance companies place significant weight on medical documentation when evaluating whether therapy should be covered in a settlement. If a doctor has recommended the treatment and there are consistent records showing progress, the claim is far more likely to be approved.
• Necessity: Adjusters will look closely at whether the therapy is considered medically necessary or if it could be labeled as elective. Your Colorado Springs personal injury attorney can help demonstrate that therapy is essential for regaining function or managing pain greatly strengthens the argument for compensation.
• Duration: The length of treatment is another major factor, as insurers want to know if therapy is a short-term requirement or an ongoing medical need. Long-term therapy often requires projections from medical experts to estimate future costs and justify inclusion in a settlement.
• Costs: The overall expense of therapy is reviewed, including the price per session, the frequency of appointments, and any additional costs like specialized equipment or home-based care. Higher expenses can invite pushback from insurers, but with proper documentation, these costs can still be justified as accident-related damages.

It’s common for insurers to argue that some therapy is “excessive” or “not related” to the accident. Without detailed records and professional advocacy, these arguments can reduce your compensation. That’s why working with an experienced Colorado Springs personal injury attorney is so important, they know how to prove therapy is not only necessary but directly tied to your accident.

Committed to Protecting Your Future

At Genco Injury Attorneys, we understand how essential therapy can be to a full recovery after an accident. Our team of personal injury attorneys in Colorado Springs is dedicated to ensuring that clients in Colorado Springs receive fair compensation not just for immediate medical bills, but also for the long-term care they deserve.

We have handled many cases where physical therapy, counseling, and other treatments were contested by insurance companies. By building strong cases supported by medical documentation and expert testimony, we help our clients secure settlements that reflect the true cost of recovery.

When you work with us, you can expect open communication, compassionate guidance, and aggressive representation aimed at protecting your rights. If you’re wondering whether your therapy expenses can be included in your claim, we invite you to call 719-826-6217 for a free consultation.