If you have been involved in a motor vehicle accident (MVA) and have sustained any injury you must:
- Report your accident and any injuries to your insurance company.
- Next, you should arrange an assessment with your primary healthcare practitioner (your physician, physiotherapist or chiropractor) who will discuss your treatment options.
Physiotherapy treatment is dependent on your initial diagnosis, and may be accessed through either Diagnostic & Treatment Protocols or Section B Protocols.
Diagnostic & Treatment Protocols
If you are diagnosed with Whiplash or another soft tissue injury eg. sprain or strain, your treatments can be claimed under the Diagnostic & Treatment Protocols.
You will need to complete a Notice of Loss & Proof of Claim form (AB-1) and return it to your insurance company within 10 days from the date of your accident.
Based on the degree and severity of your injury you will be granted up to 10 or 21 treatments at the expense of your motor vehicle accident insurance company. These treatments must be completed within 90 days following the date of your accident.
Section B Protocols
If you are diagnosed with any other injuries other than a soft tissue injury, such as a fracture, your treatments will be claimed under Section B.
You will need to complete a Notice of Loss & Proof of Claim form (AB-1) and return it to your insurance company within 30 days from the date of your accident.
If you have any extended health benefits coverage, you will be required to exhaust them prior to accessing coverage under Section B. Any further medical expenses coverage will require approval from your MVA Adjustor.
Please note: There may be treatment limitations in regards to Chiropractic, Massage, or Acupuncture treatment under Section B.