If you've been involved in a car accident, your recovery might include more than just doctor visits and physical therapy. Many people are surprised to learn that massage therapy is often covered under their Personal Injury Protection (PIP) auto insurance — and it can play a major role in healing after an accident.

Here’s what you need to know about using PIP coverage for massage therapy, and how to get started.

What is PIP and Why Does it Matter?

Personal Injury Protection (PIP) is a type of auto insurance that helps cover medical expenses, lost wages, and rehabilitation costs after a car accident — regardless of who was at fault.

In Washington State (including cities like Puyallup), PIP is automatically included in your policy unless you rejected it in writing. That means there's a good chance you already have it and could be using it to support your recovery.

How Does Massage Therapy Help After an Accident?

Massage therapy is often recommended after an auto accident to:

• Reduce pain and inflammation
• Improve circulation and healing
• Increase mobility and flexibility
• Release muscle tension and spasms
• Reduce stress and promote relaxation

Common injuries that massage can help treat include whiplash, back strain, muscle tightness, and tension headaches — all common after car accidents.

How to Use Your Auto Insurance for Massage Therapy: Step-by-Step

Here’s how to take advantage of your PIP coverage for massage therapy:

Step 1: Get Evaluated by a Medical Provider

After an accident, visit a primary care physician, chiropractor, or other licensed healthcare provider. They will evaluate your injuries and determine if massage therapy is medically necessary.

🔑 Important: Insurance only covers massage if it’s prescribed by a medical professional.

Step 2: Request a Prescription or Referral

Ask your provider to write a referral or prescription for massage therapy. It should include:

• A diagnosis related to your auto injury (e.g., whiplash, soft tissue strain)
• Frequency and duration of recommended treatment (e.g., 2 sessions/week for 4 weeks)

Step 3: Contact a Licensed Massage Therapist Who Accepts PIP Claim

Not all massage therapists bill insurance directly, so be sure to choose one who:

• Is licensed in your state
• Has experience working with auto accident patients
• Can bill your PIP insurance directly, or provide proper documentation for reimbursement

If you're in the Puyallup area, we specialize in working with accident-related injuries and can guide you through the process.

Step 4: Provide the Necessary Insurance Information

You’ll need to give the massage clinic the following:

• Your auto insurance company name and claim number
• The name and contact info of your claims adjuster
• Your referral or prescription
• Date of accident

The massage therapist or clinic will use this to verify your benefits and bill the insurance directly.

Step 5: Begin Your Massage Therapy Sessions

Once everything is set up, you can begin treatment! Keep in mind:

• Sessions must fall within the scope of your provider’s prescription
• Regular re-evaluation may be needed for continued coverage
• Communicate with your therapist and doctor about progress