Motor Vehicle Accident Injuries

Common Injuries After a Car Accident

• Whiplash and cervical strain
• Concussion and post-concussion syndrome
• Lower back and disc injuries
• Shoulder and arm injuries
• Knee and hip injuries
• Psychological and emotional trauma
• Soft tissue and myofascial injuries
• Chronic pain syndromes
• Headaches and migraines
• TMJ dysfunction

Understanding Your Benefits

Ontario's auto insurance system provides three tiers of medical and rehabilitation coverage depending on the severity of your injury:

• Minor Injury Guideline (MIG): Up to $3,500 for minor sprains, strains, and whiplash injuries (WAD I & II).
• Non-Catastrophic: Up to $65,000 in combined medical, rehabilitation, and attendant care benefits for more serious injuries.
• Catastrophic: Up to $1,000,000+ for severe, life-changing injuries — including brain injury, spinal cord injury, and severe trauma.

Our MVA Treatment Process

Step 1 — Free Phone Intake: Call us. Our intake team verifies your accident benefits coverage and schedules your initial assessment, usually within the week.

Step 2 — Comprehensive Assessment: A regulated health professional completes a thorough assessment, establishes diagnoses, and develops a treatment plan.

Step 3 — Insurance Submission: We submit your OCF-18 Treatment & Assessment Plan to your insurer through HCAI. Most plans are approved within 10 business days.

Step 4 — Integrated Treatment: Multidisciplinary care begins — physiotherapy, chiropractic, massage, acupuncture, and psychology as indicated.

Step 5 — Progress Monitoring: We track your recovery with validated outcome measures and submit progress reports to keep your treatment plan active.

Step 6 — Recovery & Discharge: You return to work, sport, and life. We provide a discharge summary and home program to maintain your gains.