Does Car Insurance Cover Chiropractic Care in Colorado?
Does car insurance cover chiropractic care in Colorado? How MedPay works, what happens when the other driver is at fault, and what to bring to your visit.
Read the articleMotorcycle Accident Chiropractor in Loveland, CO
Loveland is the gateway to Estes Park and the Big Thompson Canyon, so riders are part of our practice. After a crash, or after a long season in the saddle, we help get your neck and back working again.
Reviewed by Dr. Brian Flemming, DC · Last reviewed September 2026
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About This Service
Get Checked Even If You Walked Away
A motorcycle crash sends force through your body with nothing around you to absorb it. Even a low-speed drop or a slide can wrench the neck, jam a shoulder or twist the low back, and adrenaline can hide it for days. The helmet that protects your head also adds weight your neck has to control when you go down.
First things first: head injuries, broken bones, road rash and anything that could be internal need a medical evaluation right away. Once you have been cleared, we examine your spine and the joints around it, document what we find and build a plan to get you moving again.
- Exams for neck, back and shoulder injuries after a crash
- Thorough documentation from your first visit forward
- Care for symptoms that show up days or weeks later
- Help for riders who are not injured, just stiff from long rides
- Coordination with your medical team when you need it
What We See Most
Rider Injuries We Help With
Neck and Whiplash Injuries
From the sudden stop, with the weight of a helmet on top.
Low Back Injuries
From twisting, landing hard or going down with the bike.
Shoulder Injuries
From bracing with an arm or landing on the shoulder.
Mid-Back Pain
Strain across the upper and mid back from the impact.
Arm and Hand Tingling
Nerve irritation from the neck that shows up in the arms or hands.
Riding Aches
Stiff necks and sore backs from long days on the bike, no crash required.
Our Approach
Insurance After a Motorcycle Crash
Motorcycle coverage works differently from car coverage. Colorado requires car policies to include medical payments (MedPay) coverage unless you turn it down, but that rule does not apply to motorcycle policies. Some riders carry it and some don’t, so what pays for care depends on your policy and on who caused the crash. Call us at (970) 800-3486 and we will help you sort out what applies. Either way, we document your care thoroughly from the start.
Riding season here runs from the Big Thompson Canyon to the Peak to Peak Highway, and long days in the saddle take a toll even without a crash. If your neck or back hurts after a ride, an exam is how to find out why.
We are on North Garfield Avenue in Loveland, about 15 minutes from Fort Collins and 10 from Berthoud. New here? See what to expect on your first visit and fill out your new patient forms online before you come in. Every care plan follows the same three phases of care.
Research
What the Research Says
A few of the published studies behind how we approach this. Research describes groups of people, not a promise for any one person. Your exam tells us what applies to you.
Reviewing traffic-injury guidelines, researchers found whiplash recommendations included advice, exercise, early return to activity and mobilization or manipulation, and advised avoiding neck collars.
Wong JJ, Côté P, Shearer HM, et al. Clinical practice guidelines for the management of conditions related to traffic collisions: a systematic review by the OPTIMa Collaboration. Disabil Rehabil, 2015 · systematic review.
This traffic-injury collaboration's review of back pain guidelines found high-quality guidelines recommend education, exercise and manual therapy as first-line care, with spinal manipulation an option for acute pain.
Wong JJ, Côté P, Sutton DA, et al. Clinical practice guidelines for the noninvasive management of low back pain: A systematic review by the Ontario Protocol for Traffic Injury Management (OPTIMa) Collaboration. Eur J Pain, 2017 · systematic review.
Developed for traffic-injury care, this guideline says clinicians may consider education with exercise or multimodal care, including manipulation or mobilization, for grade I-II neck pain and associated disorders.
Côté P, Wong JJ, Sutton D, et al. Management of neck pain and associated disorders: A clinical practice guideline from the Ontario Protocol for Traffic Injury Management (OPTIMa) Collaboration. Eur Spine J, 2016 · guideline.
From the Blog
Related Reading on Motorcycle Injury
Common Questions
Questions Patients Ask Us
Should I see a chiropractor after a motorcycle accident?
Once you have been checked medically for head injuries, broken bones and anything internal, yes, an exam is a good idea. Neck and back injuries from a crash often show up days later, and early documentation helps both your recovery and any claim.
Does MedPay cover chiropractic care after a motorcycle crash?
It depends on your policy. Colorado requires car policies to include MedPay unless you decline it, but that rule does not apply to motorcycle policies, so some riders have it and some don't. Call us at (970) 800-3486 and we will help you sort out what applies.
I didn't crash, but riding makes my neck and back hurt. Can you help?
Yes. Long rides hold your neck and back in one position for hours, and an exam shows how your spine is moving and what is getting overloaded. You don't have to crash to get checked.
What if I hit my head?
Any head injury with headache, confusion, dizziness or a lost moment needs a medical evaluation the same day before anything else.
Have a different question? Read the full list of patient questions or call us at (970) 800-3486.
New Patients
Book Your Motorcycle Injury Evaluation
Tell us how to reach you and we’ll call to get you scheduled. Prefer to talk now? Call us at (970) 800-3486.
New Patient Special — $79
$315 value
- Consultation with the Doctor
- Orthopedic and Neurological Exam
- Specialized Report of Findings
Terms of This Offer
This discounted service cannot be submitted for third-party reimbursement and is not reimbursable for cash. Not valid with Medicare, workers’ compensation, or personal injury / auto accident claims. Must mention this special when contacting us to receive the rate.
Get Started
Ready to Feel Like Yourself Again?
You have put this off long enough. One thorough exam tells you what is actually going on and what it will take to fix it. Call us or send a request — we will get you in.