Having a Motor Vehicle Accident is extremely stressful and there are a lot of questions to be addressed. In this article we help break down what needs to happen, what to expect and moving forward
Accident benefits are outlined in the Alberta Diagnostic and Treatment Protocols Regulation (DTPR). The number of treatments that are initially approved by the car insurance company (referred to as “Inside Protocol”) are dependent on the type and severity of the injuries that the patient is experiencing.
For example, there are 4 categories of Whiplash Associated Disorder (WAD):
For WAD I injuries (mild symptoms), the patient is entitled to 10 treatments. For WAD II, the patient is entitled to 21 treatments.
Though the treatment of WAD III or WAD IV injuries are not authorized under the DTPR, until an assessment under (and covered by) the DTPR is completed, the patient and injury remain within its scope.
The assessment fee shall be covered by the insurer and the fee payable shall be in accordance with the applicable Notice of Fees and Disbursements.
Treatments can include physiotherapy, massage, acupuncture, and chiropractic.
Please refer http://insurance.alberta.ca for further details.
Once the authorized treatments are completed, your health care practitioner will conduct another assessment, and complete either an AB-3 or AB-4 form to report on your progress. They will also evaluate if further treatments are required for you.
If further treatments are approved, they are to be submitted first through the patient’s private health insurance, with any remaining cost to be submitted through car insurance. This is the law according to the Motor Vehicles Act. If no private insurance exists, all billing with go through the car insurance company.
NOTE: Patients reserve the right to change their practioner and/or clinic(s) at any point during their Motor Vehicle Accident treatment schedule.
Sometimes your approved treatment ends, but you don’t feel like your fully recovered. At that point a physiotherapist is able to advocate on your behalf.
Resources: For more information, you can visit the following Alberta Treasury Board and Finance insurance websites:
Disclaimer: The information contained in this blog only relates to an MVA occurring in the province of Alberta. Please note this blog is intended for informational purposes and should not be seen as any kind of advice, such as professional, medical, legal, health, financial, or emotional advice. This blog contains the opinions of the writer and does not reflect the opinions of any organizations that may be affiliated. The information presented is accurate and true to the best of the writer’s knowledge, but there may be omissions, errors, or mistakes. Please consult a professional before taking any action.