I regularly have clients call me to say that their own insurance company have told them that they only have either 10 or 21 treatments covered by their insurance policy. This is simply not the case, read on to find out why.
Under the Minor Injury Regulations, you are entitled to (typically) 21 treatments of physiotherapy, massage or chiropractic ‘no questions asked’. These treatments are to be paid for by your own insurance company (regardless of who was at fault for the car accident) directly to the treatment provider(s). In other words, you do not have to pay the treatment providers out of your own pocket. Once those treatments have been exhausted, you are then entitled to be reimbursed for all treatments that your treating physician says are ‘medically essential’. This means that you have to pay for the treatments up front and then your insurance company has to reimburse you for those expenses. Physiotherapy has no monetary limit. However, other treatment reimbursement is limited as follows : massage is limited to $250, chiropractic is limited to $750 and acupuncture is limited to $250. If you have disability insurance through work or your spouse (i.e. with Sun Life or Blue Cross) the standard car insurance policy requires that you exhaust that insurance before accessing your own insurance.
The key here is don’t believe what you might be told by any insurance company (even your own) – call us and make sure you are being given the ‘straight goods’.