Applying for Insurance Benefits After an Accident
After your accident, you will receive three forms from your accident benefits insurer: Notice of claim form This is to let the insurance company know that you are making a claim. Fill this form out yourself and send it back to your insurance company right away
Notice of claim form
This is to let the insurance company know that you are making a claim. Fill this form out yourself and send it back to your insurance company right away – this form must generally be received by the insurer no more than 30 days after the accident.
Medical form
This form should be filled out by your family doctor. Make an appointment and take the form with you to have your doctor fill it out while you are there. The doctor may charge you a fee to fill out the form. Make your doctor writes down all of his or her recommendations for treatment or medication. If your doctor wants you to stay off work for a while, make sure that is written on the form as well.
Once the form is complete, you can send it back to your insurance company.
Employer form
If you are going to miss time from work, you must get your employer to fill out this form, then you can send it back to your insurance company right away.
Tips for avoiding delays with payment for accident benefits
- Fill out and return the accident benefits forms as soon as possible
- Always send original documents to the insurance company and keep copies for yourself.
- If your doctor gives you a referral slip, make sure he or she writes on the slip that it’s because of the motor vehicle accident.
- Submit all medical expenses to your private (or work) insurance plan before you submit them to your insurance company. The insurer doesn’t have to pay for things that are covered by your medical plan.
- If your doctor is putting you off work, his or her off-work note must give an estimate of the time you will be off, or at least when he or she will re-evaluate your ability to work.
If you plan to apply for loss of income payments, you must also apply for Employment Insurance Sickness Benefits through Service Canada.
