If you have been injured in a car accident in Alberta, you are entitled to receive accident benefits whether you were the at-fault driver or not. The benefits you can collect depend on the type of injury you sustained.
In a case of a strain, sprain or a whiplash, your healthcare provider can send an invoice to your insurer directly for any services that are not covered under the provincial health insurance plan. You are required to notify the insurance company of your claim, though.
For other types of injuries, submit receipts for expenses not covered under the Alberta Healthcare Insurance plan to your benefits company first. If you don’t have a benefits plan or you have exhausted the coverage available under the plan, submit the receipts to your car insurance company.
It’s important to see your doctor right away so that your injuries can be assessed and so that you can get appropriate treatment. You will also need to file an injury accident report with the local police. A Notice of Loss form will need to be filed with your insurance company in order to receive accident benefits.
Any questions about benefits or the necessary paperwork required to make a claim for injuries under an Alberta car insurance policy should be directed to the adjuster assigned to the file. If you aren’t sure who that person is, contact the insurance company directly.