Motor Vehicle Accidents (MVA)

If you have been injured in an automobile accident in Alberta, you are entitled to accident benefits coverage regardless of whether or not you were at fault for the accident. The benefits you receive depend on the type of injury you have:
  • If your injury is a sprain, strain or a whiplash associated with disorder I or II, your primary health care practitioner (chiropractor, medical doctor or physical therapist) does not have to seek approval of the insurer for payment for treatment of these injuries if you provide notice of your claim. Your primary health care practitioner will be able to bill the automobile insurer for all treatment services outlined in the “Diagnostic and Treatment Protocols” that are not covered by Alberta Health Care Insurance.
  • For all other injuries, if you choose not to follow the diagnostic and treatment protocols, you will need to pay the health service provider. You may be reimbursed for eligible expenses from your health plan benefits (i.e. Blue Cross or similar employee benefits plan) and then by your automobile insurer. 

What to do if you are injured in an Automobile Accident: 
  1. See a Primary Health Care Practitioner (chiropractor, medical doctor, physical therapist) as soon as possible for an assessment of your injury and, if needed, treatment advice. 
  2. File an injury accident report with the police. 
  3. Complete a Notice of Loss and Proof of Claim Form (AB-1), retain a copy for your records and send the original signed form(s) to the insurance company. 


If you have any questions, please feel free to contact us at your convenience.