What to do After a Motor Vehicle Accident


After a Motor Vehicle Accident(MVA) it is easy to become overwhelmed with adjusters, vehicle repairs, and financial strain. Not to mention physical and emotional pain.

For those reasons, we are here to help. If you follow these steps, you will have the pain relief and support you need to minimize added stress!

1. Open an MVA claim

One of the most common injuries that can result from a car accident is whiplash, which happens when your neck is extended past its typical range of motion.  In fact, what may feel like a minor injury after the accident can develop into a more serious injury that requires medical treatment. Because of this, it’s important to contact your insurance company to open an Accident Benefits claim. This is different than a claim to deal with the damage to your vehicle and you will have a separate adjuster for the injury.

2. Fill out AB-1

Complete a Notice of Loss and Proof of Claim Form (AB-1). Send it to your adjuster within 10 days from the date of your accident.

You can download the AB-1 form online, get from your insurer, or complete it here at our clinic. We will even help you fill it out and send it in for you!

3. Get an Assessment

Schedule an assessment with a physiotherapist (or other primary health practitioners) as soon as possible. Your physiotherapist will prepare a Treatment Plan (AB-2) and send it to your adjuster.

You may want to schedule an appointment with your family doctor to document your injuries. Although not required, this can provide clarity of your case later in the claims process if needed.

4. Know your rights!

Under the Diagnostic and Treatment Protocols, most cases are entitled to a fixed number of treatments to be completed within 90 days of the date of your Motor Vehicle Accident. Your insurance company is the first payer and we can direct bill for all of your Physiotherapy treatments. Once you are outside of the protocols you are still entitled to treatment deemed medically necessary under Section B benefits. These benefits are included in every auto insurance policy and may cover you for up to 2 years from the date of your MVA. At this point, your extended health benefits become the first payer and your motor vehicle insurance company becomes the second payer.

5. Use your Coverage

Supplement your treatment with items that can assist in the healing process. You are entitled to $120 – $160 of supplies but this will depend on the diagnosis of your injuries.

Ask your physiotherapist for suggestions. Items used to assist in your recovery include hot and cold packs, trigger point release tools, and neck and back supports. We carry the items that you will need for your recovery and can take care of the billing.

Complete paperwork, maintain detailed records, and follow the treatment recommendations from your healthcare practitioner to have the recipe for a hassle-free claim! Our clinic will be there to help every step along the way.

Book in your initial MVA assessment here https://prairietherapy.janeapp.com/#/physiotherapy or call our clinic ay 403-200-2190