Being in a car accident can be frightening. Dealing with casualties, damage, police and insurance can produce anxiety and stress especially if nothing like this has ever happened to you. Often, immediately after an accident, you are in shock and have no idea the extent of damage or pain your body is in.
At Welcome Back Spinal Care, we have had extensive experience with motor vehicle accident (MVA) patients. Of course, more serious injuries must be dealt with in a hospital setting, but if you have less extensive injuries such as sprain/strains, whiplash, arm or leg pain or numbness and tingling for example, you will need a course of treatment that is tailored to your condition.
Dealing with your insurance can be a confusing experience. Even though you were just in an accident that may not have been your fault, there is paperwork that must be done in order to start your claim. After informing your adjuster of the accident, they will send you an envelope full of forms, some of which you must fill out and others for us. We can help you make this an easy process.
In Ontario, there are generally 3 categories of injury: Minor, Non-Catastrophic and Catastrophic. Most people fall within the minor injury guideline (MIG). This allows for the minimum amount of therapy pre-approved by the insurance company for $2200. This can be extended by another $1300 making a total of $3500 under the MIG cap. If you require further treatment, a treatment plan must be submitted to the insurance company for approval.
Unfortunately, most treatment plans beyond the $3500 MIG cap are denied pending an insurer’s examination which often results in further denial. This is the part where you must seek legal council.
At Welcome Back Spinal Care Centre, we offer chiropractic, physiotherapy, massage therapy, spinal decompression and remedial exercises for your rehabilitation. We also work with psychologists and lawyers to help make your situation easier for you.
If you have any questions or concerns about your MVA or insurance claim, do not hesitate to contact us and talk to Dr. Deltoff personally. Contact us at Welcome Back Spinal Care Centre.