Chiropractic Care After a Chubb Indemnity Insurance Company–Insured Car Accident in Somerville, MA
If you were in a car accident and you have Chubb Indemnity Insurance Company or another Massachusetts auto policy, you may be wondering how to get your pain under control and how your insurance can help pay for care.
At Cordima Chiropractic Center in Somerville, we provide gentle, non-surgical treatment for car accident injuries and help you understand how Personal Injury Protection (PIP) and your auto coverage may apply to your care.
707 Broadway
Somerville, MA 02144
How Massachusetts PIP Works With Chubb Indemnity Insurance Company and Other Auto Policies
Massachusetts auto policies include Personal Injury Protection (PIP), which is designed to help with reasonable and necessary medical bills and certain lost wages after a car crash, no matter who was at fault. In many cases:
- PIP can help cover reasonable medical care after a crash, which may include chiropractic treatment, up to the policy limits.
- PIP usually pays first, before most private health insurance, for accident-related medical bills until the PIP limit is reached.
- After PIP, your health insurance and any optional coverages on your auto policy may come into play, depending on your specific plan.
Every policy is a little different. We can review your paperwork, help you understand what your PIP benefits may cover, and coordinate with your attorney if you have one.
Massachusetts PIP law provides you with $8,000 of coverage for medical expenses if you have been injured in an accident (even if you are at fault), however, if you don't see a doctor in a timely fashion after your accident you may lose your benefits. Our accident injury doctors will provide you with the best treatment for your injuries and we will help you file all the necessary paperwork to protect the benefits you are entitled to.
Did you know that most Auto Accident Insurance Insurance will cover 100% of the cost of care? Our Insurance Department will be glad to coordinate benefits with the responsible party’s insurance carrier or your attorney. This allows us to treat most injuries with No Out Of Pocket Expense.
Additionally, you do not need health insurance to get immediate treatment. Under Massachusetts law, drivers must carry personal injury protection (PIP) insurance which covers your medical treatment if you’ve been involved in an auto accident even if you were at fault.
All auto insurance in Massachusetts covers chiropractic care for injuries due to a car accident. Cordima Chiropractic Center is an insurance provider of chiropractic services.
- No Medical referral is necessary.
- No Pre-Approval is necessary.
- Medical treatment benefits are available, even if you’re at fault.
- Treatment is usually covered at 100%.
- Drivers & Passengers have coverage.
- Includes Uber, Lyft and all Taxicabs.
- (some exclusions may apply; ie. work injury, no permission to drive, OUI)
If you’ve been involved in a recent car accident chances are that you may have been injured. Pain after an accident can occur instantly or could even take weeks to reveal itself. Timely treatment following any injury is paramount to regaining your health and returning to your pre-injury status.
The lack of treatment, poor or improper treatment may mean that it will take longer to correct, be more difficult to treat, cost more money and ultimately cause you to suffer longer.
What to Do After a Car Accident
If you were just in a crash, think of your body like a car frame: even if it “looks okay” at a glance, hidden damage can show up days or weeks later. Here are simple steps to protect your health and your case:
- Get evaluated as soon as possible. Early documentation of your injuries is important for both your recovery and any insurance claim.
- Bring your insurance information. Bring your auto insurance card, claim number (if you have one), and the name of your adjuster.
- Tell us exactly how the accident happened. Direction of impact, seatbelt use, head position and other details help us understand the forces on your spine and joints.
- Keep all paperwork together. Police report, ER or urgent care records, imaging reports and bills are all useful for your file.
- Let us know if you have an attorney. With your permission, we can communicate with your lawyer to make sure your documentation is complete and clear.
Car Accident Symptoms and Injuries We Commonly See
A collision can be like getting “whipped” around from the inside out. Even a low-speed crash can irritate joints, discs, and nerves. At Cordima Chiropractic Center, we commonly see:
- Neck pain and stiffness after whiplash-type injuries
- Headaches, including those that start at the base of the skull
- Mid-back and rib pain from seatbelt or airbag forces
- Lower back pain and radiating leg discomfort
- Shoulder, hip, and knee pain from bracing or impact
- New or increased tingling, numbness, or burning sensations
- General soreness and “tightness” that is not going away
Our focus is on gentle, hands-on chiropractic care and advanced, non-surgical therapies to help reduce pain, improve motion, and support healing.
Serving Somerville and Nearby Communities
Our office at 707 Broadway is convenient to many parts of Somerville and surrounding cities. Patients visit us from:
- Somerville neighborhoods such as Davis Square, Union Square, Ball Square, Magoun Square, Winter Hill, Spring Hill, East Somerville, Ten Hills, and Prospect Hill
- Nearby areas of Medford and Cambridge
- Other Greater Boston communities who prefer a non-surgical, chiropractic-centered approach to auto accident recovery
If you live or work near these areas and were injured in a crash, our goal is to make getting evaluated and treated as simple as possible.
Chubb Indemnity Insurance Company & Auto Insurance – Common Questions
Do I have to be at fault for PIP to apply?
No. PIP is a “no-fault” benefit in Massachusetts. In many situations, you may be able to access PIP benefits through your own auto policy for medical care after a crash, regardless of who caused the accident. Exact rules depend on your policy and the details of the collision.
Can you help me understand my Chubb Indemnity Insurance Company or other Massachusetts policy?
We can review your insurance information with you, explain how PIP fits into your overall coverage, and coordinate with your attorney or adjuster where appropriate. We do not give legal advice, but we can help make the healthcare and documentation side much easier to manage.
How soon should I get checked after a car accident?
As soon as reasonably possible. The longer you wait, the harder it can be to connect your symptoms to the collision, and the more time your body has to “heal wrong.” Early chiropractic evaluation helps catch problems while they are easier to correct.
Next Step: Schedule Your Post-Accident Evaluation
If you were in a car accident and you have Chubb Indemnity Insurance Company or another Massachusetts auto insurance policy, you don’t have to guess about your next move. Contact Cordima Chiropractic Center in Somerville to schedule a detailed evaluation of your injuries and a review of your accident-related documentation.
We will explain our findings in plain language, outline a care plan tailored to your condition, and help you understand how your auto coverage may help with the cost of your treatment.
Disclaimer: The information on this page is for general educational purposes only and is not legal advice, insurance advice, or a guarantee of coverage or results. Insurance policies vary, and the availability and amount of any benefits depend on the terms of your specific policy, the facts of your accident, and applicable law. For questions about your legal rights or your insurance contract, please consult an attorney or licensed insurance professional.
Cordima Chiropractic Center is an independent chiropractic office. It is not owned by, operated by, sponsored by, or formally affiliated with Chubb Indemnity Insurance Company or any other auto insurance carrier. Any references to insurers are for descriptive and informational purposes only.
No doctor–patient relationship is created by reading this page. Diagnosis and treatment decisions can only be made after an in-person examination and appropriate clinical judgment by a licensed healthcare provider.
