Being involved in a motor vehicle accident is challenging, but navigating the aftermath of car accident injury recovery doesn’t have to be overwhelming. In Alberta, many individuals remain unaware of their entitled accident benefits that can significantly aid in their recovery. This guide sheds light on what to expect if you’re ever in an accident, covering important steps from reporting to treatment, so you can focus on what matters most—healing.
The Essential Steps After a Motor Vehicle Accident
Immediate Actions to Take Following an Accident
If you’re involved in an accident, staying calm and taking quick steps can set the foundation for a smooth recovery. Here’s what you need to do:
- Document the Accident: Record the time, place, and other details of the accident. Collect information from the other driver, including insurance, contact, and vehicle details.
- File a Police Report: For damages exceeding $2,000, it’s recommended to report the accident to the police. However, documenting any accident is wise, as injuries like whiplash can sometimes emerge later.
- Report the Incident to Your Insurance Provider: Contact your insurer promptly, and if you’re feeling even slightly sore, indicate this to ensure your accident benefits are available.
Understanding Accident Benefits and Insurance
The Importance of Accident Benefits
Many people overlook the advantages they’re entitled to through their insurance after an accident. Accident benefits can cover your treatment and rehabilitation costs, even if you’re at fault. This coverage is crucial for ensuring a full and effective recovery, but it’s often underutilized because people don’t know about it.
Accident Benefits Myths—Clearing Up Confusion
- Myth: If you use your accident benefits, your insurance premium will increase.Fact: Using accident benefits does not impact your premium directly. The benefits are there for your protection—don’t hesitate to use them if you need to.
- Myth: Settling with the other driver in cash is better than involving insurance.Fact: Settling without insurance is risky, as certain injuries may not appear immediately. To ensure access to accident benefits, always report the incident to your insurer.
The Process of Treatment and Recovery at Unpain Clinic
Assessments for a Personalized Treatment Plan
Once you’ve contacted your insurance provider, consider scheduling an assessment at Unpain Clinic. Our clinic offers a comprehensive approach, with assessments conducted by our licensed chiropractors and physiotherapists, who understand the nuances of accident-related injuries.
During your assessment, the practitioner will:
- Evaluate your injuries and create a personalized treatment plan.
- Recommend treatment options, such as chiropractic care, physiotherapy, massage, or shockwave therapy, all aimed at addressing your specific symptoms and aiding recovery.
From Initial Assessment to Full Recovery
In-Protocol vs. Out-of-Protocol Care
In Alberta, accident benefits operate under a structured framework for the first 90 days, known as “In-Protocol” care. If your recovery requires additional treatments beyond this period, you transition to “Out-of-Protocol” care.
- In-Protocol Care: Typically covers essential treatments within the first 90 days of your injury.
- Out-of-Protocol Care: Allows for continued treatment if you need extended recovery time. This phase might include additional modalities such as shockwave therapy and even psychological support if you experience anxiety or PTSD.
Common Questions About Protocols and Coverage
- Can I receive treatment even if I didn’t start immediately after the accident?Yes. As long as you reported the accident to your insurance within 10 days, you can initiate treatment anytime within two years.
- What if I have extended health benefits?During Out-of-Protocol care, any extended health benefits you have through work or personal coverage will be billed first before your accident benefits.
Conclusion
Accidents are often unpredictable, but accessing the care you need to recover shouldn’t be. Whether you’re dealing with a recent accident or managing symptoms that appeared later, understanding your rights and knowing where to find help are crucial steps toward a full recovery. Remember, you’re not alone on this journey. Book a consultation with one of our healthcare providers at Unpain Clinic to discuss how we can support your unique path to recovery and help you move forward, pain-free.
Author: Uran Berisha