If you or someone you love has recently been in an accident in Florida, the aftermath can feel overwhelming physically, emotionally, and financially. Whether you’re dealing with a serious injury or a seemingly minor one, you may be wondering how you’ll pay for ongoing rehabilitation like physical therapy, occupational therapy, or even psychological counseling. The good news? Florida law may allow you to recover those costs as part of your accident claim.

This article breaks down what you need to know about rehabilitation expenses and how to seek support through both medical providers and legal experts so you can focus on healing.

What Counts as “Rehabilitation” in a Florida Injury Claim?

Rehabilitation refers to treatments that help restore your physical, mental, or emotional health after an injury. These costs can be substantial, especially over time.

Common types of rehab that may be covered include:

• Physical therapy – for regaining movement and strength
  
• Occupational therapy – for relearning daily tasks
  
• Chiropractic care
  
• Speech or cognitive therapy – especially in cases of brain injury
  
• Mental health counseling – often overlooked but essential after traumatic accidents
  
• Assistive devices – such as walkers, wheelchairs, or ergonomic equipment
  

If a licensed medical professional recommends these services as part of your recovery plan, they may be considered “reasonable and necessary” medical expenses under Florida law and potentially reimbursable.

How Florida Law Handles Rehabilitation Expenses

Florida is a no-fault state when it comes to car accidents. This means your Personal Injury Protection (PIP) insurance typically covers up to 80% of your medical expenses, including rehab, up to $10,000 regardless of who caused the accident.

However, this coverage is often not enough to cover ongoing or intensive rehabilitation. In that case, you may be eligible to file a personal injury claim against the at-fault party to recover:

• Remaining medical costs not covered by PIP
  
• Future rehabilitation expenses (if supported by medical documentation)
  
• Lost wages due to time spent in rehab
  
• Pain and suffering related to your recovery
  

To do this, your injury must meet Florida’s “serious injury” threshold such as significant, permanent loss of a bodily function, permanent injury, disfigurement, or death.

Practical Steps to Secure Compensation for Rehab

1. Get Medical Documentation Immediately
Seek medical attention and follow all recommended treatments. Ask your provider to document the necessity of any rehab, including duration and goals.

2. Keep Records of All Expenses
Save receipts, appointment summaries, and insurance communications. These can help prove the cost and necessity of your rehab care.

3. Don’t Delay File a Claim Quickly
Florida’s statute of limitations for personal injury claims is generally two years from the date of the accident (as of recent legal changes in 2023). Waiting too long could limit your rights.

4. Speak With a Florida Attorney
A licensed personal injury attorney can assess whether your injury meets the threshold for a liability claim and help you build a strong case for recovering rehabilitation costs.

Helpful Tip: Rehab May Be Covered Even if It’s Ongoing

You don’t have to be “done” with rehab to seek compensation. If your doctor has outlined a treatment plan showing expected future care, those anticipated costs can be included in your claim especially if your injuries are long-term or permanent.

You’re Not Alone in This

It’s completely normal to feel anxious or overwhelmed after an accident, especially when dealing with pain or uncertainty about the future. The road to recovery can feel long but there are professionals who want to help you walk it, one step at a time.

Both medical providers and licensed attorneys in Florida are here to support your recovery physically, emotionally, and legally. You shouldn’t have to navigate this alone.

Next Steps: Let Hurt Aid Help You Move Forward

If you’re in pain, confused about your rights, or unsure how to pay for ongoing rehab, Hurt Aid can help. We connect you with compassionate, qualified Florida medical providers and experienced attorneys who can guide you through your next steps.

You focus on healing. We’ll help you find the right people to support your recovery.