Ontario Auto Insurance should pay for accident injuries NOT your personal Work Benefits.

I work in a physiotherapy clinic and, from an administrative perspective, billing private insurance companies first can be complicated (especially when dealing with Block billing with patients under the Minor Injury Guideline). We also frequently see cases where patients have maxed out their private insurance for physiotherapy due to MVA related injuries, and then sustain another unrelated injury with no benefits left to allow them to receive physio treatment for that injury. If their private benefits max out early in year, they have to wait until they renew again in the new year (or as per the insurance company’s fiscal year) to be able to access the financial support for physio treatments. This situation is not in the best interests of patients needing physio to assist in their recovery and return to normal daily living.

I have recently been in a car accident. My benefits have been drained. I have recurrent back issues and now I have to pay out of pocket for treatment. The Mva rates are higher so my benefits get drained a lot sooner. What is the point of having insurance if they don’t cover you MVA recovery fully

Auto insurance companies should pay for rehab due to MVA. The work benefits should NOT be used in the rehab from a MVA.

I agree!

Insurance companies already make massive profits on top of the current laws forcing MVC people to exhaust their work/private benefits before using their auto insurance benefits. Very poor laws.

What's the point of opting in for insurance if the provider dances around providing their end of the bargain. It should be up to the patient to decide which insurer they choose to utilize, Afterall, they are the ones paying for the service.

What happens after the mva claim is exhausted and the patient needs regular treatment and has no more benefit insurance left because it was all used up from the mva. That's not fair.

Treatment of injuries sustained in motor vehicle collisions should be covered by the motor vehicle insurance only. Extended health benefits should be kept available for treatments outside of the MVC Treatment plan.

Being in a car accident and the headache of trying to balance my personal work benefits and the car accident benefits was a nightmare.

This needs to change

Absolutely necessary and way overdue. Work benefits are personal. MVA insurance should cover all MVA expenses, as advertised.

So glad this has been started. I've been complaining about this for over 15 years. Amen to the administrative nightmare. Also, if a client exhausts their EHB with an MVA, then requires physiotherapy for an unrelated issue later that year, the client has to pay out of pocket and that is unfair. You pay into auto insurance for a reason. I feel having to use your EHB first is criminal.

That should happens long time ago !!!! It should never be implemented !!!!!!!!!! It is a scam !!!!

The insurance companies are stealing from the accident victim and their workplace benefits. This must stop

Having an injured person in a car accident use up their own personal benefits prior to the auto insurance paying is the most nonsensical idea I have ever seen. What makes it even more amazing is the fact that government has done nothing to rectify this ridiculousness. We truly do live in a society full of stupidity!

I have never understood the reason for this to be the way it is. It doesn’t seem fair.

100%

It is unfair that the auto insurer requires them to use their work benefits first!

This is a barrier to patients accessing care as some EHB insurers require patients pay up front.

Absolutely! Long overdue!