I’ve Been in a Fender Bender…Now What?

Car accidents, no matter how minor, always cause a lot of stress.  We often have patients attend A Body In Motion Rehabilitation after being in a car accident.  Once the initial shock wears off you are left with several questions about what to do now.  If you’ve had a car accident, be sure to call your insurance company as soon as possible.  They will guide you on how to get a claim started.  If you suspect you will need treatment for an injury sustained in the car accident, be sure to tell the adjustor so he/she can start an accident benefit claim for you.  Sometimes you don’t feel any pain from injuries until days after the accident so be sure to call your insurance to inform them that you will be seeking treatment.

Once a claim has been initiated by you, within a week or two you should receive a large package of information in the mail from your car insurance provider.  This package will feel overwhelming as it contains all the paperwork that could be required from you.  Often you don’t need to spend hours filing out all the forms as your adjustor will select certain ones that apply to your situation. The one form you do need to complete and submit to the car insurance company as soon as possible is the OCF 1.  Without this form the car insurance company will not pay the invoices submitted by your physiotherapist.  If the paperwork is too overwhelming, bring it with you to your appointment, we are always more than happy to help you navigate your way through the process.

Another thing your car insurance company should let you know is that if you have private benefits through an employer the car insurance companies require you to exhaust those benefits before they will cover any treatment costs.  This too can be a bit confusing so we always work with you through every step of the billing process.

If you or someone you know has been injured in a car accident, don’t hesitate to reach out to us and we’ll help you navigate through the stressful paperwork for the insurance company and then will get you started on a treatment plan to help you recover and heal from your injuries.

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