Sorry, but this sounds a little odd. She was in an accident yesterday and surgery is still a possibility , yet someone has submitted to the insurance company for approval for rehab and has received a response? That sounds a little quick on the trigger. What types of rehab since the extent of the injuries wouldn't clearly be known yet? Getting approval on PT is going to require something a little more specific then it appears it could possibly be known at this early stage. Also to get an approval or a denial in hours would be shocking.
I am no friend of insurance companies, but this sounds a little over blown at this point.
Prayers for you friend and their family
Many say that insurance clerks are running the medical system. Maybe these clerks are paid commissions for the claims that they can sucessfully reject. It's every man for himself these days even though many SPEAK of "compassion." Today "compassion" means a new federal program for the downtrodden, but it's the government that benefits, not the recipients, in many cases.
Well I think that they wanted to be sure that PRAYER was active for all current and future events. There's nothing wrong with that. The dear woman had broken bones and due to those injuries it was already evident that PT would be needed.
They got ok on the PT on Mon, only the 23rd day after her accident.