Have You Been Injured in a Motor Vehicle Accident (MVA)? Take the first step towards recovery today.
At New Life Physio & Health Clinic, we specialize in treating a wide range of automobile accident injuries. We understand that motor vehicle accidents can cause not just physical pain but also emotional and mental stress, compounded by lost work time and the frustration of navigating insurance claims. Our team provides comprehensive support, offering physiotherapy, tailored to your unique needs. We’ll guide you through every step of recovery and the claims process, including coordinating directly with your insurance company. Rehabilitation programs typically span 12 weeks but may vary based on individual conditions. Our treatments combine manual therapy, active therapy, laser & shockwave therapy and personalized home exercises to promote a swift return to your pre-accident health.
If I Get into a Car Accident, What Should I do Next?
1) Notify Your Insurance Provider
Contact your insurance agency as quickly as possible and report the accident. Regardless of fault, your insurer is responsible for providing access to health and rehabilitation services. If you were a passenger in someone else’s car or involved as a pedestrian, contact your own auto insurance provider (if applicable). Your adjuster will determine which insurance policy will handle your claim. They will send you a package of documents, which you will need to complete to start your claim for accident benefits. You must complete and return the application for accident benefits (OCF-1) to the insurance company. It is mandatory that you submit the OCF 1 to your adjuster in order to get approved for any treatments you require.
2) Initiate a Claim and Book an Initial Assessment
Once your injury claim is initiated, book a one-hour physiotherapy initial assessment with us. During this session, a Registered Physiotherapist will evaluate your accident-related injuries, outline a personalized treatment plan, and gather all necessary details to file and submit an MVA rehabilitation claim on your behalf. If you have extended health insurance, it must be used first before your auto insurance covers the remaining therapy costs.
FAQs:
1) What are the most common injuries sustained after an MVA:
- Whiplash Associated Disorder (WAD) and Neck Pain
- Headaches
- Post-Surgical and Post-Cast Rehabilitation
- Low Back Pain
- Concussions
- Muscle and Ligament Sprains/Strains
- Shoulder pain
- TMJ pain
- Low back pain
- Chest and rib injuries
- Herniated discs
2) Do I need a referral to start my physiotherapy treatment?
you do not need to wait to get a medical doctor’s referral in order to begin care. You are entitled to start rehabilitation as soon as possible.
3) I was involved in a car accident but was at fault, am I still entitled to benefits?
Yes. Often times, people are unaware that they are entitled to benefits from a motor vehicle accident, even if they were at fault. Benefits apply regardless of who was at fault during the accident.
4) What information do I need to provide the clinic?
Claim number, Date of accident, Adjuster’s name and contact information, Extended healthcare information if applicable
5) How Much Accident Benefit Coverage Is Available?
The amount of benefits you are entitled to depends on the severity of your injuries, with two main categories of coverage:
- Minor Injury Guideline (MIG)
Designed for individuals with minor injuries, such as whiplash, sprains, and strains. Covers the majority of motor vehicle accident injuries.
The MIG plan provides standardized treatment benefits across Ontario, regardless of where treatment is received.
Maximum Benefit: $3,500.
- Major Injury Guideline (Non-MIG)
Applies to individuals with serious injuries, such as fractures, surgeries, major neurological trauma, or concussions.
The maximum benefit amount depends on the nature and severity of the injuries.
Maximum Benefit: Up to $65,000.
