In this situation your own insurance policy will provide coverage for some treatment. Initially you are generally entitled to have 21 treatments (physiotherapy, massage, chiropractic etc.) where your own insurer will pay the treatment provider directly. After the first 21 treatments you can continue to get treatment but have to pay for it up front and then request reimbursement from your own insurer. If you have additional coverage elsewhere (Blue Cross, Manulife, Great West Life, etc.) generally you are required to exhaust that first before seeking reimbursement from your own insurer. The policy of reimbursement and the general terms available under your own insurance for medical (and income) benefits can be found here : http://www.finance.alberta.ca/publications/insurance/super_bulletin0407_accident_benefits.pdf

As long as your treating physician has provided you with a prescription for treatment, your own insurer is obligated to reimburse you the cost of that treatment (insurers will hope to avoid having to make such reimbursements by sending you to their own ‘medical advisor’ who may say that whatever treatment you are getting is not necessary). Before you agree to see the insurer’s ‘medical advisor’ call a lawyer. There are important considerations to make (such as whether the ‘medical advisor’s’ report is producible to the lawyer for the party that caused your injuries) before you attend an examination by the insurer’s ‘medical advisor’.

Some rehabilitation clinics will provide treatment on an ‘Assignment of Proceeds’ where they agree to ‘run a tab’ on the cost of your treatment until you are ready to settle your claim. One such clinic is the Accident Rehabilitation Centre (http://www.accidentrehab.ca/).

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