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what to do after a Motor Vehicle Accident in Calgary

WHAT TO DO AFTER A MOTOR VEHICLE ACCIDENT

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

WITHIN 10 DAYS:

  • Make an appointment with a Primary Health Care Provider. This can be a registered physiotherapist, chiropractor, or medical doctor.
  • Fill out an AB-1 form (Notice of Loss and Proof of Claim), that will include the details of the incident, the insurance company, and any injuries. At Chinook Rehab Centre, we are happy to help patients with any questions you may have, as well as faxing the form to the appropriate insurance company on your behalf.
  • Book an appointment for an assessment with your health care practitioner (g. Physiotherapist or Chiropractor). During your assessment, an AB-2 form will be completed, which outlines a treatment plan while seeking formal approval for those treatments, from the applicable car insurance company.

ACCIDENT BENIFITS AND WHAT TO EXPECT

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):

  • WAD I
  • WAD II
  • WAD III
  • WAD IV

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.

MOVING FORWARD AFTER AN ACCIDENT

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.

MY APPROVED TREATMENT HAS ENDED, BUT I DON’T FEEL FULLY RECOVERED

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.

If you would like to know more please call: 587-392-7777 or email: info@chinookrehab.com, or visit us at unit : 103, 5940 Macleod Trail SW, Calgary.

Resources: For more information, you can visit the following Alberta Treasury Board and Finance insurance websites:
http://www.finance.alberta.ca/publications/insurance/automobile-insurance/automobile-collision.html

http://www.finance.alberta.ca/publications/insurance/automobile-insurance/index.html

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.

WE ARE NOW ACCEPTING PATIENT FROM 05 MAY 2020 – WELCOME BACK! We will provide masks and gloves free to all patients who come to the clinic without them.
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