5 Key Steps to Rehab After a Car Accident in Ontario – From Insurance to Recovery

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After a car accident, it’s common to feel overwhelmed:
“What should I do first?”
“Will my insurance pay for treatment?”
In Ontario, the rehabilitation process is straightforward when you know the steps. Here’s a simple guide:
Step 1: Seek Medical Attention
See a doctor right away. A medical report is not only important for your health but also required for insurance claims.
Step 2: Contact Your Insurance Company
Report the accident to your auto insurance provider and inform them about your injuries. Even passengers are eligible for benefits, not just drivers.
Step 3: Submit the OCF-18 Form
In Ontario, your rehab clinic will help you complete and submit the OCF-18 (Treatment and Assessment Plan) form to your insurance company for approval.
Step 4: Start Your Rehab Treatments
Once approved, you can begin treatment at a rehab clinic. The cost is usually billed directly to your insurer, so you don’t have to pay out of pocket. Common therapies include physiotherapy, exercise-based rehab, and psychological support.
Step 5: Ongoing Care and Progress Updates
Recovery takes time. Your rehab team will adjust your treatment plan as you improve, ensuring the best long-term results.
Conclusion: Navigating recovery after a car accident in Ontario doesn’t have to be stressful. With insurance benefits and the right rehab clinic on your side, you’ll have the support you need to return to work, daily life, and full health.
If you or a loved one has been injured in a car accident, don’t wait to seek help. Contact Point Grey Physio 416-731-5883 today to schedule your consultation. Let our dedicated rehab team support your recovery—inside and out.

Car Accident Recovery in Ontario – How Insurance Covers Your Rehab

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Every year in Ontario, thousands of drivers and passengers experience injuries from motor vehicle accidents. Common symptoms include whiplash, back and shoulder pain, headaches, joint injuries, and even long-term chronic pain. Without timely treatment, these conditions can impact your work, mobility, and overall quality of life.
The good news is in Ontario, your car insurance will often cover the cost of rehabilitation treatments after an accident.

How Does Car Accident Insurance Work in Ontario?

In Ontario, all vehicle owners are required to carry auto insurance. After a collision, even if you were at fault, you may be eligible for Statutory Accident Benefits (SABs) to support your recovery.
Covered treatments may include:
  • Physiotherapy
  • Chiropractic care
  • Massage therapy
  • Acupuncture
  • Psychological counselling
  • Occupational therapy

Why Choose a Rehab Clinic?

Insurance support: A professional rehab clinic can guide you through the claims process and communicate directly with your insurance provider.
Personalized treatment plans: Based on your diagnosis and recovery goals, your care team creates a tailored program for optimal results.
Multidisciplinary care: Physiotherapists, chiropractors, massage therapists, and counsellors work together to support your full recovery.
Conclusion: Rehabilitation after a car accident should not be a financial burden. In Ontario, insurance coverage provides the support you need. By choosing an experienced rehab clinic, you’ll recover faster and with greater peace of mind.
If you or a loved one has been injured in a car accident, don’t wait to seek help. Contact Point Grey Physio 416-731-5883 today to schedule your consultation. Let our dedicated rehab team support your recovery—inside and out.