Motor Vehicle Accident Injuries

In Alberta, people who have been injured in automobile collisions have immediate access to treatment for their injuries. You may access the clinic of your choice with or without seeing your doctor first. Your insurance company will require that you fill out an AB-1 form which you can find here, directly from your insurance company, or from the Government of Alberta website: https://www.alberta.ca/insurance-forms.aspx

 

This form should be sent to your insurance company within ten days of the accident. Once you have submitted this form you will have access to up to 21 treatments depending on the diagnosis over a period of 90 days following the date of injury. 

 

Your healthcare provider (Physical Therapist, Doctor, Chiropractor) will then fill out an AB-2 form that outlines the treatment plan and will send this to your insurance company once an assessment has been completed. It is important to note that during this time all treatments from different providers are combined to make up the 21 treatments for example: if you had four massage treatments during this time, you would then have 17 potential treatments from physio etc. 

 

When these treatments have been completed, the 90 days has expired, or you have recovered and no longer need treatment; your Physiotherapist will submit an AB-4 form to your insurer summarizing your treatment and the outcome.  Should you not be finished with treatment, the AB-4 will outline the plan for ongoing treatment to the insurer. If you have extended health benefits at this time such as Blue Cross, Sunlife, Manulife, Greensheild, etc. your treatments will be submitted to these providers as now the motor vehicle insurer is the second payer until there is no other coverage available. You are still covered, how it works changes.