In most cases, the insurance company pays for physical, cognitive, and psychological therapies. You might need long-term physical therapy if muscles atrophy during recovery or if the accident paralyzed you. You might need cognitive therapy if you suffer from a traumatic brain injury. And, you could suffer post-traumatic stress syndrome if the accident was particularly severe. Many people also suffer from depression if they have long-term injuries. Because you would not have these issues if it weren’t for the accident, the insurance and/or the at-fault driver should be held liable for the cost of these therapies.