Book Appointment Now
Motor Vehicle Accident Benefits
Car Accident Injury in Pickering or Milton?
Injured in a motor vehicle accident? Book an MVA assessment with our expert physiotherapists in Pickering or Milton. Notify your auto insurance company, and let our clinic handle the rest.
MVA Physiotherapy & Rehabilitation
- Physiotherapy
- Massage Therapy
- Acupuncture
- Therapeutic Ultrasound
- Shockwave Therapy
- Home Exercise Program
- Assessment and Reports
- Knee Brace/Support
- Back Brace
- Ankle Brace
- Elbow Brace
- Wrist Brace
- Carpal Tunnel Splint
- Shoulder Splint
As a multidisciplinary clinic, we deliver specialized MVA rehab designed to ensure a fast and smooth recovery. We handle the paperwork and direct-bill your auto insurer, making your healing journey completely stress-free.
Step-by-Step Guide to Receiving Treatment After a Car Accident
We provide pre-approved treatment plans under Ontario auto insurance regulations to help local accident victims recover quickly:
- Minor Injury Guideline (MIG): 12 weeks of pre-approved physiotherapy for whiplash, sprains, and strains. Start immediately without waiting for insurer approval.
- Non-MIG / Severe Injuries: Customized Treatment Plans (OCF-18) for complex injuries, fractures, or concussions requiring specialized care.
| Step | Who | What happens |
|---|---|---|
| 1 | You | Report the collision, then get assessed. Your auto insurer — not OHIP — is the payer for injuries from a motor vehicle accident |
| 2 | Your insurer | Opens the claim, assigns an adjuster and a claim number. Keep that number: every form and every appointment traces back to it |
| 3 | Us | Assess and submit a treatment plan (OCF-18) through HCAI, stating the diagnosis, goals, type and frequency of treatment |
| 4 | Your insurer | Approves, partially approves, or asks for more information. Treatment beyond the pre-approved amount starts once that answer arrives |
| 5 | Us, then your insurer | We report progress at the intervals the plan sets, and request more treatment only if the outcome measures support it |
Car Accident Injury Q&A
What is the right procedure to file a claim to auto insurance?
1. Notify Your Auto Insurer (Within 7 Days) Report the accident to your insurance company. They will open a claim, assign an adjuster, and give you a Claim Number.
2. Book an Assessment Schedule an assessment at our Pickering or Milton clinic immediately. Our physiotherapists will assess your injuries and map out your treatment plan.
3. Submit the OCF-1 Form (Within 30 Days) Complete the Application for Accident Benefits (OCF-1) provided by your insurer. You must submit this to activate your coverage.
4. Your Auto Insurer Pays First Since July 1, 2026, Ontario auto insurance pays first for medical and rehabilitation costs after an accident. You are not required to use your workplace extended health benefits first, so those benefits stay available for other needs. Our team handles the billing either way.
5. Let Us Handle the Medical Forms We take care of the complex paperwork. We will submit your required Treatment Forms (OCF-18 for severe injuries or OCF-23 for minor injuries) directly to your adjuster.
6. Focus on Healing Once the paperwork is filed, we direct-bill your insurance company through the secure HCAI system, ensuring your recovery is completely stress-free.
Should I wait for car insurance company to approve my claim, once injured at accident?
No. Early MVA treatment is vital. Minor injuries (MIG) are pre-approved for 12 weeks of immediate care. For severe injuries, we will assess you immediately and submit the required paperwork for funding.
Does it cost me anything to get health care under the MVA insurance?
No. Your auto insurance covers your MVA rehab. There are no out-of-pocket costs. We direct-bill your insurer.
How long do these programs usually last?
MIG Program: Up to 12 weeks for minor injuries.
Non-MIG: Varies by injury severity. We continuously monitor your progress and request extensions if needed.
Do I need to use my extended health benefit first for auto accident recovery?
No. Since July 1, 2026, Ontario auto insurers pay first for medical and rehabilitation costs after an accident, so you are not required to use your workplace extended health benefits (EHB) first. If your plan covers co-payments or costs your auto policy does not, you may still choose to use it — our Pickering and Milton teams coordinate the billing for you.
Do I need a doctor’s referral after a car accident?
Not to be assessed. Your insurer does need a diagnosis and a treatment plan from a regulated health professional before it pays for treatment beyond what is pre-approved, and we prepare that plan. If you also have a family doctor, sending them the plan keeps everyone working from the same record.
What is an OCF-18 treatment plan, and who fills it in?
OCF-18 is the standard Ontario form your insurer uses to decide whether to pay for treatment. It states the diagnosis, the goals, the type and frequency of treatment, and how outcomes will be measured. We complete it and submit it through HCAI. You do not have to fill in any part of it.
What if my insurer denies or cuts the treatment plan?
Ask for the decision in writing with the reasons. The usual answers are that the plan is not specific enough about goals, that the outcome measures are missing, or that the injuries fall under a different guideline. We revise the plan against those reasons rather than resubmitting the same one, and you can ask for a review of the decision at the same time.
MVA at Each Clinic
Both clinics treat motor vehicle accident claims and submit through HCAI. The difference that matters is how quickly you can be seen and how far you are travelling after an injury that makes driving uncomfortable.
| Pickering clinic | Milton clinic | |
|---|---|---|
| Address | 1885 Glenanna Rd, Unit 112, Pickering, ON L1V 6R6 | 470 Bronte Street South, Unit 200, Milton, ON L9T 2J4 |
| Weekday hours | Mon, Wed 9 am–7 pm · Tue, Thu 9 am–8 pm · Fri 10 am–7 pm | Mon–Fri 10 am–7 pm |
| Saturday | 9 am–5 pm | Closed |
| Languages on the team | English, Cantonese, Mandarin, Hindi, Filipino, French, American Sign Language | English, Cantonese, Mandarin, Hindi, Filipino, Arabic, Korean |
Pickering
Open Monday to Saturday, so an assessment does not have to wait for a weekday. If driving is the problem after the collision, the clinic is a short trip from Pickering, Ajax and Whitby, and there is parking on site.
Milton
Open Monday to Friday, 10 am to 7 pm, with the last appointment starting at 6 pm. Closed at weekends, which matters if your collision happens on a Friday: book before the week ends. Free parking at the Bronte and Derry building.
Top-Rated MVA Physiotherapy in Milton & Pickering
Find The Physiotherapy Clinic Near You
Pro Fusion Rehab has 2 well designed and modern rehabilitation clinics, located at Pickering and Milton Ontario.
Pickering Physiotherapy Clinic
Milton Physiotherapy Clinic
Try Our Direct Billing Service
Lower Your Upfront Payment
We direct bill most of the Group Health Benefits, WSIB and Auto Insurance Company