Navigating accident injury claims and insurance can be complicated… but we’re here to help. Here at Aspire, we promise to help guide you through the initial claims process and any ongoing treatment you need. In order to receive treatment under DTPR (Diagnostic Treatment Protocols), treatment must be approved, conducted and completed within 90 days of your accident.
MVA Next Steps
1. Contact your Insurance
Open an MVA claim with your insurance provider – this can be dependent on fault. (Were you at fault? Or is second-party insurance involved?) You will be assigned a case/claim number and an accidents injury adjustor. This adjustor will be our main contact for all paperwork approval, direct billing and payment. This should be done once police have been notified/the accident has been initially reported.
2. Contact Us
Book in with us for an initial assessment to begin your treatment process. You will need to bring all relevant information in with you to your appointment if they are available to you – such as insurance company, claim number, adjustor name and contact details etc. Upon your arrival, the following will occur:
- We’ll guide you through your filling in and completion of the AB1 form: Notice of Loss and Proof of Claim, if you have not already previously filled it out. We can then submit this to your insurance company on your behalf.
- We will complete the remaining paperwork, including the AB2 form: Treatment Plan.
- We will complete an initial assessment to determine the severity of your injuries and diagnosis, and communicate this with you.
3. Begin Treatment
If you qualify under DTPR and are approved for treatment, we will set up direct billing for you with your insurance company and begin your treatment plan. Dependent on your injury type (injuries classified as WAD I or WAD II), you may be pre-approved for anywhere from 10-21 treatments. Again, these treatments must be conducted and concluded within the first 90 days after your accident.
Injuries not qualifying for DTPR: (as diagnosed by your healthcare practitioner/physiotherapist)
WAD III – Neurological findings like neurological weakness or numbness
WAV IV – Fracture dislocation of spine
Other fractures or dislocations of other body sites
The above injuries will not be covered by Diagnostic & Treatment Protocols, and will then be subject to “Section B” of your insurance. This means that your treatments must first be submitted to any Extended Health Care or Benefits you may have, and only then will pre-approved treatments be paid for by your insurance company.
4. Continuation of Treatment
If you’re still not feeling 100% after the initial treatment period, we can then apply for more pre-authorized treatments on your behalf. This is subject to your auto insurance’s discretion and you may be required to provide a physician’s prescription or referral. Treatment coverage may also be provided through Extended Health Coverage, such as Alberta Blue Cross, or other employee benefit plans.