Imagine being hit by another driver on your way home on the US 59 feeder, Northpark or Kingwood drive; your car is damaged, your neck hurts, and to make matters worse, the other driver does not even have insurance. For too many people, this nightmare is a reality. The good news is that you do not have to face it alone. With the right coverage and the right care, you can protect your health and your finances.
At Kingwood Chiropractic Spine & Injury Center, we have seen firsthand how crucial uninsured motorist coverage can be after a wreck. It is not just about paying medical bills, it is about ensuring you get the care you need to heal properly. Whiplash, back pain, and joint injuries do not go away on their own, and delaying treatment can lead to chronic problems that affect your quality of life.
That is why our team focuses on more than adjustments—we also guide patients through the maze of using uninsured motorist insurance to cover their chiropractic care. With over 25 years of experience, Tyler Hamel DC, FPSC (C) and the Kingwood Chiropractic team know exactly how to document your injuries and treatment so you can recover fully, without unnecessary stress or setbacks.
Quick Insights
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UM insurance protects you when the at-fault driver has no coverage.
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It can cover chiropractic care, therapy, and follow-up treatment.
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Many patients do not realize UM can be used to support recovery.
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Working with an experienced chiropractor ensures documentation that insurance companies require.
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Acting quickly improves both your health and your claim.
Key Takeaways
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Chiropractic care is essential after a car accident, even if you feel fine initially.
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Uninsured motorist coverage can help cover chiropractic treatment expenses.
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Kingwood chiropractors specialize in treating accident-related injuries.
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Understanding your insurance coverage is key after an accident.
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Seeking chiropractic care early can improve recovery outcomes.
Why It Matters
Texas drivers face real risks when it comes to uninsured or underinsured motorists. According to state data, roughly 1 in 8 drivers in Texas are uninsured. That means even if you did nothing wrong, you could be stuck with the bill for accident-related injuries.
Neck pain, back pain, whiplash, and joint injuries often require weeks—or even months—of care. Without UM coverage, many patients delay or skip treatment. Unfortunately, that decision often leads to chronic pain and long-term spinal issues. Using UM properly allows you to get the care you need without sacrificing your financial stability.
Understanding Uninsured Motorist Coverage for Accident Victims
Many drivers do not think about uninsured motorist coverage until they are in an accident. This coverage helps if you are hit by someone without insurance or not enough to cover your damages.
Introduction
Car accidents are stressful enough without the added worry of medical bills. Unfortunately, many drivers in Texas do not carry enough insurance—or any at all. If you are injured in a car wreck and the other driver does not have insurance, you could be left wondering how you will pay for chiropractic care, therapy, or ongoing treatment.
That is where Uninsured Motorist (UM) coverage comes in. At Kingwood Chiropractic Spine & Injury Center, we have helped countless patients navigate their care after a wreck. With over 25 years of experience, Dr. Tyler Hamel and his team understand both the physical recovery process and the insurance challenges that follow an accident.
What Is Uninsured Motorist Coverage?
Uninsured Motorist (UM) coverage is an optional addition to your auto insurance policy. It steps in when:
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The at-fault driver has no insurance.
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The at-fault driver has too little coverage (Underinsured Motorist).
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You are involved in a hit-and-run accident.
UM is not just for car repairs, it also helps cover medical treatments, including chiropractic care, physical therapy, imaging, pain medicine and rehabilitative services. This is vital after injuries like whiplash, disc herniations, and sprains that require ongoing care.
How a Kingwood Chiropractic Doctor Helps After a Wreck
When you come to Kingwood Chiropractic Spine & Injury Center after a car accident, we focus on two key areas:
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Your Health and Recovery
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Comprehensive exam and X-rays if needed.
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Personalized treatment plan (adjustments, shockwave therapy, cold laser, exercises)
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Phased recovery approach to restore mobility and reduce pain.
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Proper Documentation for Your Insurance Claim
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Detailed treatment notes and SOAP documentation
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Coordination with attorneys if you are under a Letter of Protection (LOP)
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Insurance-friendly coding and billing to ensure your UM coverage processes correctly.
By addressing both your health and your claim, we make it easier for patients to recover without added stress.
Steps to Take After a Car Accident
If you have been in a wreck and the other driver is uninsured:
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Call the police and file a report — This creates a record for your UM claim.
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Seek medical or chiropractic care immediately — Even if symptoms seem minor, whiplash and spinal injuries often worsen over time.
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Notify your insurance company — Let them know you will be using UM coverage.
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Document everything — Keep accident details, photos, and receipts.
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Visit Kingwood Chiropractic — Our office specializes in accident recovery and can guide you through treatment and insurance steps.
Patient Testimonials at Kingwood Chiropractic Spine & Injury Center
One of the most powerful ways new patients gain confidence in their care is by hearing directly from others who have been in the same situation. At Kingwood Chiropractic Spine and Injury Center, patient testimonials after car accidents highlight not only the relief people feel from neck and back pain, but also the reassurance that comes from being treated with compassion and expertise. Sharing these stories is important because it helps accident victims realize they are not alone, and that effective, natural recovery is possible.
Alex F, Kingwood, TX shared:
“I was in a car accident and was looking for a Kingwood chiropractor to help me with my injuries; I have been coming in for a few weeks now for treatment and have most definitely noticed a difference in my recovery from my neck to my back. Dr. Hamel is amazing and is very knowledgeable on a lot of health tips.”
Allix B, Porter, TX added:
“Feeling so much better after my car accident, I will recommend this chiropractor for neck and back pain. If you have a car accident he will definitely get you out of pain. He is very gentle and explains everything about your spine and why you are in pain. After a couple weeks of chiropractic treatment Dr. Hamel has got me feeling so much better. I would recommend this Kingwood chiropractor to anyone looking for natural neck and back pain relief.”
These firsthand experiences remind patients that healing after a wreck is possible, and that choosing the right chiropractic care makes all the difference.
Common Injuries Covered by UM Insurance
UM coverage can help with a wide range of accident-related injuries, including:
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Whiplash and neck pain
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Herniated or bulging discs
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Low back pain and sciatica
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Sprains, strains, and soft tissue injuries
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Shoulder, hip, and joint injuries
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Post-traumatic headaches and migraines
These injuries often do not fully heal without chiropractic care, rehab exercises, and in some cases, advanced therapies like shockwave or cold laser therapy—all available at Kingwood Chiropractic.
Conclusion
Being hit by an uninsured driver does not have to derail your health or finances. With UM coverage and the right chiropractic care, you can recover fully and protect your future.
At Kingwood Chiropractic Spine & Injury Center, we have guided thousands of patients through this exact situation. From personalized treatment plans to insurance documentation, our goal is to help you heal without worry.
If you have been in an accident with an uninsured driver, call Kingwood Chiropractic Spine & Injury Center today at (281) 360-8387 to schedule your consultation.
FAQs
1. Can I use UM insurance for chiropractic care if I was not taken to the ER?
Yes. Even if you did not go to the ER, UM coverage applies to medically necessary treatment. Chiropractic care is recognized for car accident recovery, and we provide documentation to support your claim.
2. How soon should I see a chiropractor after a car accident?
Ideally, within 72 hours. Early evaluation ensures injuries are caught before they worsen and creates a strong link between the accident and your need for care—important for UM insurance.
3. Will using UM coverage raise my insurance rates?
In most cases, no. UM claims are filed against your policy but are designed to protect you when the other driver is at fault. Ask your insurance provider, but generally, your rates will not increase.
4. What if I already started treatment—can UM still help?
Yes. As long as you have UM coverage and your injuries are related to the accident, you can still use your benefits. Documentation from your chiropractor will support the claim retroactively.
5. How does Kingwood Chiropractic work with attorneys on UM claims?
If you are represented by a personal injury attorney in Houston, we provide detailed records, imaging, and treatment notes. We also accept patients under a Letter of Protection (LOP), ensuring you get care now while your case is pending.