~ Now Accepting Auto Insurance — $0 Out of Pocket
Just Had a Car Accident?
Start Healing Before Your Coverage Runs Out
Your Coverage — Confirmed
Auto Insurance (PIP/No-Fault)
Minnesota law requires your auto insurer to cover acupuncture for accident injuries. Same as chiropractic — not a secondary option.
$0 Out-of-Pocket for Most Patients
We bill your auto insurer directly. You pay nothing while your PIP coverage is active.
You Choose Your Provider
You are not required to use your insurer's suggested clinic. You have the legal right to choose the specialist you want.
No Premium Increases
Using your medical PIP benefits will not raise your insurance rates. That's not how PIP works.
The Typical Path
Default to What Google Shows First
ER Discharge
Told to rest and follow up. No treatment plan.
Weeks of Physical Therapy
General exercises. Coverage clock is ticking.
Switch to Chiropractic
Partial relief. More coverage spent. Still in pain.
Coverage Exhausted
Pain remains. Now paying out of pocket or living with it.
Two Paths After an Accident
The Choice Most Patients Don't Know They Have
Call Complete Oriental Medical Care
Within days of your accident. Coverage fully intact.
First Session — Pain Relief Begins
Balance Method often reduces pain in session one.
Root Cause Addressed
Not just symptom management — actual healing of tissue and nervous system trauma.
Full Recovery
Discharged with zero pain. Coverage used efficiently.
Why Timing Is Everything
Why Starting Acupuncture Early Changes Your Outcome
Stop Inflammation Fast
Acupuncture reduces acute inflammatory response in soft tissue immediately after injury — stopping the cascade before it becomes a chronic pain pattern.
Reset the Nervous System
Car accident trauma locks your nervous system in "fight or flight." Early intervention breaks that cycle before it becomes your body's new default state.
Make Your Coverage Count
Your PIP coverage is finite. Spending it on a treatment that delivers real results early means you reach full recovery with coverage to spare — not running out mid-treatment.
Insurance — The Facts
Your Auto Insurance Covers This. Period.
Minnesota No-Fault Law Requires It
Under Minnesota Statute 65B, your auto insurer must cover acupuncture treatment for injuries sustained in a motor vehicle accident.
We Handle All Insurance Billing
You focus on getting better. We submit claims directly, follow up with adjusters, and handle all paperwork on your behalf.
No Surprise Bills
We verify your coverage before your first appointment. If anything is unclear, we tell you upfront — never at checkout.
Most Patients Pay Absolutely Nothing
With active PIP coverage, your out-of-pocket cost is typically $0. We've seen this consistently for three decades across every major insurer in Minnesota.
Conditions Treated
We Treat the Full Spectrum of Car Accident Injuries
Whiplash & Neck Pain
Lower Back Injury
Headaches & Migraines
Post-Concussion Symptoms
Brain Fog & Fatigue
Shoulder & Arm Pain
Anxiety After Trauma
Sleep Disruption
Side by Side
How We Compare
Treatment Factor
First session pain relief
Treats root cause
Auto insurance accepted
Addresses nervous system trauma
Years of clinical experience
Handles insurance billing
Steven Sonmore, L.Ac.
Often in session one
Root & branch approach
All major MN insurers
Nervous system reset protocol
30 years, complex cases
Complete claim management
Typical PT / Chiro
Usually weeks later
Symptom management
Yes
Rarely addressed
Varies widely
Yes
Treatment Factor
First session pain relief
Treats root cause
Auto insurance accepted
Addresses nervous system trauma
Years of clinical experience
Handles insurance billing
Steven Sonmore, L.Ac.
Often in session one
Root & branch approach
All major MN insurers
Nervous system reset protocol
30 years, complex cases
Complete claim management
Typical PT / Chiro
Usually weeks later
Symptom management
Yes
Rarely addressed
Varies widely
Yes
Patient Results
Real Patients. Real Recoveries.
M
M. Carlson
Car accident, 2024
- Verified Google Review
A
A. N.
Chronic neck injury
- Verified Google Review
D
Denise W.
Post-concussion, 3 years of prior treatment
- Verified Google Review
Your Practitioner
Steven Sonmore, L.Ac.
- The Balance Method
- Rapid Release Technology
- Nervous System Reset
Common Questions
Answers Before You Call
How soon after my accident should I come in?
As soon as possible — ideally within the first week. Acute injuries respond dramatically faster than chronic ones. The sooner you start, the fewer sessions you'll need and the more of your coverage you'll preserve for a complete recovery.
Does my auto insurance definitely cover acupuncture?
Yes. Under Minnesota's no-fault law, your auto insurer is required to cover acupuncture for accident-related injuries under your PIP (Personal Injury Protection) benefits — the same as physical therapy or chiropractic. We have billed every major Minnesota auto insurer for 30 years and they pay. Call us and we'll verify your specific coverage before your first appointment at no cost.
Do I need a referral from my doctor?
No. Under Minnesota no-fault law, you can seek acupuncture treatment directly without a physician referral. You also have the legal right to choose your own provider — you are not required to use whoever your insurer recommends.
I've already been to chiropractic for a few months. Is it too late?
It's not too late, but the sooner you come in, the better. If you still have PIP coverage remaining, we can use it. If coverage is limited, we'll be upfront with you about what's possible within your remaining benefits and discuss options.
What if I'm not sure my insurance will pay?
Call us before your first appointment. We'll contact your insurer directly, verify your PIP benefits, and confirm coverage before you step in the door. No uncertainty, no surprise bills.
How many sessions will I need?
It depends on the severity and how soon after the accident you start. Patients who come in early — within the first two weeks — typically need significantly fewer sessions than those who come after months of other treatment. Many early-stage patients see major improvement within 4–8 sessions.