It sounds like physical therapy bills were submitted to either your health insurance or your medical payments coverage on your auto (which seems more likely).I would suggest you submit the bills and records to that insurer and see that the pay this bill. it.It is likely that you could net more money if you follow this procedure but your inquiry doesn't provide enough information.The sticky issue is whether your health or auto insurance have rights to reimbursement for any related medical...
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It is possible that a claim of this typed could raise her premiums but there is no way to know for sure before you make the claim.Most homeowner policys include medical payments coverage for injuries that occur like yours regardless of who was at fault. Jamie Trapp