Does Auto Insurance Cover Chiropractic Care After an Accident in Centennial, CO?
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By Butler Family Health Center · Published 2026-11-05 · Last updated 2026-11-05
Yes, auto insurance can cover chiropractic care after an accident in Centennial, CO. Which policy pays depends on the coverage you and the other driver carry. Colorado auto policies include $5,000 in medical payments coverage (MedPay) unless you reject it in writing, and that benefit pays for care that is "medically necessary and accident-related." The other driver's liability coverage, your own uninsured motorist coverage and your health plan can also play a part.
Fault, policy limits and deadlines decide the rest. Below you will find each coverage with the Colorado statute behind it, then the records that help an insurer accept your bills. If you were hurt on I-25 or East Arapahoe Road this week, our page on personal injury chiropractic care in Centennial explains how care with us begins.
Auto Coverages That Can Pay for Chiropractic Care After a Crash in Centennial, CO
Four coverages can pay for chiropractic care after a crash in Centennial, CO: your own MedPay, the at-fault driver's bodily injury liability, your uninsured or underinsured motorist coverage (UM/UIM), and your health plan. Your declarations page and who caused the collision decide which ones apply. The rules are the same for a rear-end stop in I-25 traffic and a side impact on Colorado Boulevard.
| Coverage | Whose policy | What it pays toward | Colorado rule |
|---|---|---|---|
| Medical payments (MedPay) | Yours | Necessary, accident-related care, including copays and deductibles | Included at $5,000 unless rejected in writing (C.R.S. 10-4-635) |
| Bodily injury liability | The at-fault driver's | Your injury damages, reduced by your share of fault | Minimum $25,000 per person, $50,000 per accident (C.R.S. 10-4-620) |
| Uninsured/underinsured motorist | Yours | Losses caused by uninsured, hit-and-run or underinsured drivers | Must be offered; can be rejected in writing (C.R.S. 10-4-609) |
| Health plan | Yours | Chiropractic benefits under your plan | Your plan's deductibles and limits apply |
- If MedPay is on your declarations page, then start care with your own benefit and book an exam with Butler Family Health Center.
- If the other driver caused the crash, then their liability coverage can answer for your damages, and early exam notes help show the link.
- If the other driver had no insurance or drove off, then look for UM/UIM on your policy.
- If you rejected MedPay or used it up, then your health plan can carry the visits. We are a preferred provider for Anthem, Blue Cross, Aetna, Cofinity, Humana, Cigna, United Healthcare and others.
Does Medical Payments Coverage Pay Deductibles and Copays for Centennial Patients?
Yes, medical payments coverage can pay deductibles and copays for Centennial patients. The Colorado Legislative Council describes MedPay as coverage that "pays for medical expenses, including copayments or deductibles." When your health plan pays part of a chiropractic bill, MedPay can help with your share, up to your limit. Your policy and insurer decide the details.
Medical Payments Coverage on a Colorado Policy for Centennial Drivers
Colorado makes medical payments coverage the default on an auto policy. Under C.R.S. 10-4-635, a policy includes $5,000 in medical payments coverage unless the named insured rejects it in writing or in the same medium used for the application. If the insurer never offered it or cannot prove you turned it down, the policy is presumed to include the $5,000.
The benefit pays for medically necessary and accident-related care, defined as health-care and rehabilitation services from a licensed health-care provider. A chiropractic exam for neck pain after a collision on East Arapahoe Road faces two questions. Is the care necessary, and do the records tie it to the crash?
One exception applies. The section does not cover motorcycles, autocycles, low-power scooters or snowmobiles. If you were hurt on a motorcycle, read your motorcycle policy for its medical coverage.
To check your coverage, find the medical payments line on your declarations page. The default is a state rule, so it reads the same for a driver near The Streets at SouthGlenn as for anyone else in Arapahoe County.
Will My Medical Payments Coverage Still Help in Centennial If I Was the One at Fault?
Yes, medical payments coverage can still help in Centennial when you caused the crash. The statute asks whether the injury arose from the use of the vehicle and whether the care is necessary and accident-related. It does not list fault as a condition. When the at-fault driver is you, MedPay is the auto coverage left for your care.
How Colorado's Fault Rule Shapes Who Pays After a Centennial Accident
Colorado's fault rule decides how much the other driver's insurer pays after a Centennial accident. Under C.R.S. 13-21-111, your damages are reduced by your own share of fault, and if your share is equal to or greater than the other driver's, you cannot recover from that driver. Put simply, you must be less at fault than the other driver to collect from their liability coverage.
Say two cars meet at Havana Street and Easter Avenue, and fault is set at 20 percent yours and 80 percent the other driver's. Your damages from that driver drop by 20 percent. At an even split, that claim ends.
Limits matter too. Colorado's minimum liability coverage is $25,000 per person and $50,000 per accident for bodily injury. A driver with only the minimum may carry less than an injury costs, which is where your own UM/UIM comes in.
Then there is the deadline. C.R.S. 13-80-101 allows three years to start a court action for bodily injury from the use of a motor vehicle.
Who Pays for Chiropractic Care in Centennial If the Driver Who Hit Me Is Uninsured?
When the driver who hit you in Centennial is uninsured, your own uninsured motorist coverage pays toward your injury losses, alongside MedPay. Colorado insurers must offer UM coverage up to your bodily injury liability limits, and you can reject it in writing. It also covers hit-and-run drivers and drivers whose limits are too low. Because it is optional, check that it is on your declarations page.
What Makes Chiropractic Visits Necessary and Accident-Related for a Colorado Claim
Chiropractic visits count as necessary and accident-related for a Colorado claim when the records show an injury, link it to the crash and support the care given. Those are the words of C.R.S. 10-4-635, and an insurer reads your file to answer both parts.
Records that do that job:
- A dated exam close to the crash, with your symptoms in your own words
- How the crash happened: where you sat, which way you were hit
- Exam findings, such as range of motion and tender areas
- A treatment plan with goals and re-exams
- Itemized bills that match each visit
A collision on State Highway 177 and a low-speed bump in the IKEA Centennial parking lot face the same test. A long gap between the crash and the first visit makes the link harder to show, so book the exam early. If pain starts days later, tell us the crash date and when each symptom began, and book once symptoms appear.
No visit count is guaranteed. The number depends on your exam, how you respond and your policy limits.
How It Works in Centennial: Your First Days After a Crash
Your first days after a crash in Centennial come down to six steps.
- Get emergency care first when you need it. Severe or worsening pain, or any symptom that alarms you, means the ER or 911.
- Report the crash to your insurer with the date, the place and the other driver's details.
- Read your declarations page for your MedPay and UM/UIM limits.
- Book an exam soon. Call or text (303) 741-2444 for a same-day appointment at Peakview Center, 6500 S Quebec St #250.
- Bring your claim details: claim number, your auto insurer's contact and your health insurance card.
- Keep every paper, from bills and insurer letters to a short daily symptom note. If a car hit you while you were cycling near the High Line Canal Trail, keep the same records.
Why Centennial Accident Patients Book With Butler Family Health Center
Butler Family Health Center accepts auto accident and personal injury cases and handles auto accident claims, so you can focus on getting better. Dr. Chris Butler has been a chiropractor since 1996.
Care starts with an examination. When the findings support them, the plan may include spinal adjustment, spinal decompression, shockwave or Class IV laser therapy. Results depend on your injury and exam. Dr. Butler treats all ages, so a parent and a teenager hurt on the way to a Cherry Creek Public Schools campus can both be seen here.
Same-day appointments and walk-ins put your first exam close to the crash date, which is what the accident-related test looks for. Cash plans help patients without insurance or with high deductibles.
Patients rate the practice 4.9 stars on Google. One patient wrote that stiffness and headaches set in days after an accident, and that the care helped them heal without surgery while the office handled their insurance. Peakview Center has free onsite parking, and we see patients from Greenwood Village, the Denver Tech Center, Inverness and Highlands Ranch.
The Bottom Line
Auto insurance can pay for chiropractic care after an accident in Centennial, CO. Your own MedPay, included at $5,000 unless you rejected it in writing, pays for necessary, accident-related care. The other driver's liability pays when you were less at fault, UM/UIM steps in for uninsured drivers, and your health plan can carry the rest.
Check your declarations page, keep every record and watch the three-year deadline. Then call or text Butler Family Health Center at (303) 741-2444 for a same-day exam and personal injury chiropractic care in Centennial. We handle auto accident claims.