If you have ever been in a MVA (Motor Vehicle Accident), you will know the stress of dealing with insurance companies as well as the misfortune of having no wheels to drive and worst of all – being injured.
Here are 8 quick tips to help reduce the stress and get you back on track.
# 1 – You Can Book Immediately You can have direct access to care as soon as you need it. Section B of the Motor Vehicle Act states that your care should not be witheld. Without permission from your insurance adjustor, you can book in for an assessment by your Physiotherapist, Physician or Chiropractor within 30 days of the accident. They can help you with the forms (AB1 – AB2). All we need is your claim number, adjuster and insurance company (phone and fax numbers) prior to any treatment
# 2 – Don't Let Money Stop You You will automatically have your Approved Treatments paid for through the MVA insurance, and we can direct bill these, as long as it is within 30 days of your accident. Depending on the severity of your injuries, your number of approved treatment sessions will vary.
# 3 – Inform us it’s an MVA Tell the service provider when you book in that you had an MVA so the proper forms can be completed prior to your session and the correct amount of time is booked to get everything assessed and explained. Your insurance adjuster usually e-mails out forms and information you need. The notice of loss form (AB-1) is time sensitive; be sure to get it in within 10 days.
# 4 – Call Your Adjuster ASAP or we can help to explain the Process to You We have no problem walking you through it all.
# 5 – You Don't have to Feel Injured to get Assessed Most injuries will appear within 72 hours. Injuries can show up later, so it is advised to at least be assessed so that a file is opened for you.
# 6 - Get your Assessment done by a Specialist of Muscles & Joints A Physiotherapist is very thorough in setting up your treatment plan and following up with your insurance adjustor for ongoing treatment needs. Insurance only pays for one assessment so it is advisable that this is done by the professional who will be treating you.
# 7 - Therapy Supplies and Needed Rehab Equipment can be paid for by the insurance company The Maximum that can be charged to this category depends on the severity of the injury. We can send you home with what you need to reduce the running around and direct bill those items too.
# 8 - You Don't "Have" to use your Personal Benefits Your personal benefits would only come in to play if you do not get your paperwork in on time (AB-1) or you have maxed the amount of approved visits by your auto insurance for your injuries.
- Stay Calm - We will guide you through the process and get you the help you need.
Contact us: 403-314-4458