Steps to Take after a Car Accident in Calgary.
- Stay calm, keep yourself and others safe. If you can’t get out of your car, turn on your hazard lights.
- If anyone is injured, call 911.
- Look at the accident scene and make sure that you are not in danger of being hit by another vehicle.
- Exchange information with the other drivers involved. Get their names, addresses, phone numbers, licence information, insurance company name and policy number.
- Obtain the contact information of any witnesses who are at the scene.
- Take photographs of the accident, including the damage to the car and road conditions.
- Call your insurance company right away.
- Move anyone who is injured – wait for medical help to arrive.
- Leave the scene of the accident.
- Accept a direct offer of payment of damage from the other driver. Settling for direct payment may not be as advantageous as it seems. If you’re not at fault, the accident won’t affect your driving record nor will you have to pay a deductible.
- Sign any documents other than the police report.
- Get your vehicle repaired without clearing it with your insurance company; they may refer you to a repair facility where the work is guaranteed.
If you have been injured
If you have been injured in an automobile accident in Alberta, you are entitled to accident benefits coverage regardless of whether you were at fault for the accident. The benefits you receive depend on the type of injury you have:
- If your injury is a sprain, strain or a whiplash associated with disorder I or II, your primary health care practitioner (chiropractor, medical doctor or physical therapist) does not have to seek approval of the insurer for payment for treatment of these injuries if you provide notice of your claim and choose to follow the protocols. Your primary health care practitioner will be able to bill the automobile insurer for all treatment services outlined in the “Diagnostic and Treatment Protocols” that are not covered by Alberta Health Care Insurance.
- For all other injuries:
A) Submit receipts for eligible expenses not covered by Alberta Healthcare Insurance to your extended healthcare benefits coverage provider (e.g. Blue Cross, health spending account or similar extended health care benefits plan) for reimbursement.
B) If the following applies you may submit invoices for eligible expenses to your automobile insurer for payment.
– You do not have extended health care benefits coverage.
– Your extended health care benefits coverage is exhausted.
– Your extended health care benefits coverage does not meet the full cost of eligible expenses.
Summary for getting help with your injuries:
- Within 10days of the accident go to a primary health care practitioner (chiropractor, medical doctor or physical therapist) to get evaluated. If your insurance company hasn’t sent you an AB-1 form that you are required to fill out. Get your AB-1 form here.
- Under the “Diagnostic and Treatment Protocols”, your chiropractor can direct bill for your treatment.
- After your Diagnostic and Treatment Protocol treatment plan, if you still require ongoing treatment, you will need to use your Extended Health Benefits (e.g. Blue Cross, Great West Life, Sun Life, Green Shield Canada, health spending account, etc.)
- If you don’t have Extended Health Benefits or Have Run Out of Extended Health Benefits, you may submit invoices for eligible expenses to your automobile insurer for payment.