MOTOR VEHICLE COLLISION (MVC)

Being involved in a motor vehicle collision (MVC) can be overwhelming when dealing with the pain and immobility, while your body heals. Everybody reacts differently to accidents, so insuring the right treatment plan is crucial to getting you back on your feet.

WHAT TO DO AFTER A MOTOR VEHICLE COLLISION

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 accident, the insurance company, and any injuries. At Calgary Muscle and Soft Tissue Clinic, 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) – visit www.cmstc.ca for online booking or call 403-764-1400.
  • 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 insurance company).

ACCIDENT BENEFITS 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 insurance company are dependent on the type and severity of the injuries that the you are experiencing.
  • An example – There are 4 categories of Whiplash Associated Disorder (WAD): WAD I; WAD II; WAD III and 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.
  • All fees shall be in accordance with the applicable Notice of Fees and Disbursements.
  • These fees are paid by the patient and submitted to the insurer for reimbursement (Note: We do not third party bill).
  • Treatments can include physiotherapy, massage, 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 paid by the patient then submitted first through the patient’s private health insurance, with any remaining cost to be submitted through accident insurance.
  • This is the law according to the Motor Vehicles Act. If no private insurance exists, all billing with go through the accident insurance company as submitted by the patient for payments.

NOTE: Patients reserve the right to change their clinician and/or clinic(s) at any point during their Motor Vehicle Collision 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: 403-764-1400 or email: info@cmstc.ca, or visit us at #21- 10 Richard Way SW.

Resources: For more information, you can visit the following Alberta Treasury Board and Finance insurance websites:

Disclaimer: The information relates to MVC in the province of Alberta. Please note this 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. Please consult a professional before taking any action.

*We do not accept Workers Compensation claims at this time.