I was in a car accident that was not my fault
Q: I was in a car accident that was not my fault and my insurance company
does not want to pay for my therapy—what can I do?
A: If you are injured in a motor vehicle accident in British Columbia and you are a resident in our beautiful
Province, you most likely have access to therapy as set out in Part 7 of the Insurance (Vehicle) Act Regulation.
This section is titled “Accident Benefits” and it sets out the benefits that are available to most residents of our
Province. Although there are some residents that might not qualify for these benefits, this would happen only in rare situations.
This legislation is written in legalese and can be challenging to interpret, but one of the essential points is that when your doctor advises you to seek a specific therapy to recover from your pain and injuries sustained in a motor vehicle accident, the Insurance Corporation of British Columbia, should pay for these expenses (because they are reasonable and necessary to assist with your recovery). This legislation only mandates a payment of $23.00 and there will certainly be a user fee charged to you when you access therapies.
You also have access to these therapies if you are a pedestrian or a cyclist injured in a motor vehicle accident. If you have questions about your legislated access to therapy, you may want to consult a lawyer you can trust.