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November 29, 2025 11:25 pm
This was posted on our subreddit:
“I was T-boned in April and my car was totaled. I had multiple documented injuries (neck, wrists, shoulders, back, knee) and likely a concussion. I became severely depressed afterward and was bedridden for months, which caused a long gap in my treatment. I’m now trying to start PT, but they’re saying I need new referrals and my no-fault insurer might not cover it because of the gap. My attorney hasn’t spoken to the insurer yet and basically told me there’s nothing she can do. The insurer will only talk to her but implied the claim usually reopens with new treatment. I’m unsure what that actually means. Any guidance on dealing with the treatment gap and coverage issue would be appreciated.”
If you were T‑boned and your car totaled — and you have documented injuries — a gap in treatment doesn’t automatically kill your case, but it does give the insurance company a big opening to downplay or deny your ongoing injuries. Insurance adjusters often use delays or long breaks in care to argue that your injuries either were not serious or arose from something else.
That doesn’t mean you’re out of luck. A good approach now is to get back into treatment ASAP, document everything carefully, and have your attorney push to reopen or continue the claim — especially if you can show symptoms worsened or new issues arose. An experienced personal injury lawyer should also review your file, help coordinate with medical providers, and press the insurer for coverage of needed therapy.