In an automobile accident claim, it is strongly advised, if psychological counseling is necessary as part of your injuries, that the referral comes directly from one of your treating doctors. A specific and logical reason needs to exist for the referral.
If by chance you have had prior psychological treatment and a diagnosis, be assured that the insurance claims folks will do all they can to attribute your treatment needs to “a pre-existing condition.”
Burn injuries, amputation, traumatic brain injuries, paralysis are all issues where psychological treatment is clearly understood to be a part of the medical treatment necessary to get better. Most lawyers advise their clients to steer clear of psychological treatment except in the most obvious situations. This is good advice.