Physiotherapy after a car accident: who pays?
In Ontario, treatment for injuries from a car accident can go through your auto insurance, regardless of who was at fault. The details of what is covered depend on your policy and the claim. Report the accident to your insurer, then ask us what the clinic needs to support your care.
Auto insurance in Ontario is set up so injured people can get treatment while a claim is processed. Many people are unsure what to do in the first weeks after a collision, and that is normal.
Starting care early, once serious injuries are ruled out, also helps you recover.
General steps
- Get medical care for any serious injury
- Report the accident to your insurer promptly
- Ask your insurer about forms and treatment approval
- Keep records of symptoms and visits
Why it can be confusing
Auto insurance involves forms, approvals and time limits, and each claim is different. We cannot give legal or financial advice, but we can explain what the clinic provides and help with documentation of your care.
How physiotherapy helps
We assess injuries such as whiplash, back strain and joint sprains and build a plan to restore movement and function.
Other coverage
Some people also have extended health benefits that may help with costs. Check your plan.
Next step
Call 613-742-1230 to talk through your situation or book an assessment.
Related: does my insurance cover physiotherapy, chiropractic and massage?, how soon after an injury should I see a physiotherapist? and do I need a doctor’s referral for physiotherapy in Ontario?