As someone working in healthcare for a number of years I know how things operate from an administrative perspective but as a person being involved in an accident I was unaware of all the processes and options; until I was in a MVA myself.  From my own personal experience, I wanted to help others understand what to expect if/when they get into a MVA as well.

So I decided to write this blog and hope it helps anyone going through this experience or if this ever happens to anyone you may know.

On November 18, 2018 I was involved in a car accident where I was hit by a drunk driver. I was stopped, dropping off a friend from a dinner date. My friend was seconds from stepping out of the car when a drunk driver hit me from behind doing about 60km/hr!  What I thought was a little accident later turned into a life changing event for me.

Even though I was lucky and my car didn’t have much damage, my body would be spending what seems like a life time trying to recover. Sometimes the effects from a car accident can’t always be seen on the surface and sometimes pain doesn’t start right away.

This is why I will explain all you should know about a motor vehicle accident from the moment it happens.

Treatments Covered From a Motor Vehicle Accident

Don’t stress with thinking once the 90 days are up or the 21 treatments have been used that you will no longer be covered for treatment. It is the practitioner’s job to assess and treat you until you have reached ‘pre-accident’ level of physical health before discharging you. The practitioner who treated you and provided you with your first assessment, will now do another assessment and will be asking your insurance company for an extension (once the 90 days or 21 treatments have expired, whichever one comes first).

Rules with extensions | Section B: if you have extended health care benefits (Sunlife, Bluecross, Great West Life, etc.) the insurance company will require to use your extended health care first, and then any remaining balance will be redirected to your insurance company for payment. Standard dollar amounts covered for an extension are:

• Chiropractic $1000.00
• Massage $350.00
• Acupuncture $350.00
• Physiotherapy: by treatments with regular biweekly updates inquiring more visits.

– All other treatments will need an approval from your adjuster –

** You have two years from the date of the accident to seek treatment**

The above statement is so important, don’t think that you can’t get help if you don’t go right away. You have two years from the date of an accident to receive treatment. The part to NOTE is if you put in a claim after the initial 90 Days, you will fall into a Section B extension protocol.  To clarify, this means you won’t be entitled to the 10 or 21 treatments and will be covered by the money provided in an extension as mentioned above.

Sometimes soft tissue damage doesn’t always have side effects right away, and this is why you have the right to get treatment within the two year mark.

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