Car Accident Physiotherapy in Hamilton and Ancaster

Your auto insurance does, through Ontario's accident benefits system. Every Ontario auto policy has to include medical and rehabilitation coverage, and that did not change in 2026.

We bill your auto insurer directly, so you are not paying out of pocket for approved treatment.

It depends on when your auto policy started. Ontario changed the rules on 1 July 2026.

If your policy began on or after 1 July 2026, your auto insurer generally pays first. If your policy started before that date, your work or private plan may still need to pay first.

We check which applies to you before we bill anything, so nothing gets rejected and you are not left with a bill.

Accident benefits in Ontario are no fault. That means you can claim medical and rehabilitation benefits no matter who caused the collision.

Fault itself is decided by your insurance company using Ontario's fault rules. How a claim affects your premium is a question for your insurer or broker, and it is separate from your right to treatment.

If your injuries are classed as minor, Ontario caps treatment at $3,500. Minor injury has a specific legal meaning and covers sprains, strains, whiplash, bruises, scrapes, cuts and partial joint dislocations, plus problems that come from them.

If your injuries are more than minor, standard coverage is up to $65,000 in total for medical, rehabilitation and attendant care. For catastrophic injuries it is up to $1 million. Some people buy higher limits.

We tell you where you stand before treatment starts.

It is the standard pathway for minor injuries after a collision. It starts with an assessment, then up to three four-week blocks of treatment, which is about twelve weeks in total.

It all sits inside the $3,500 limit, and your insurer does not need to approve each block separately.

No. You do not need a lawyer to apply for accident benefits or to start physiotherapy. Many people are treated without ever involving one.

If your injuries are serious or your claim gets complicated, some people choose to get legal advice. That is your call and it does not change whether we can treat you.

No. In Ontario you can see a physiotherapist directly. Some insurers still ask for a referral before they will pay, so we check your policy first and tell you if one is needed.

As soon as you can. Starting early usually makes recovery smoother, and it also puts your injuries on record early, which helps your claim.

There are two deadlines worth knowing. Tell your insurance company within seven days that you plan to claim. Once they send you the application package, return it within thirty days.

If you miss either, send it anyway and explain why. Late does not automatically mean denied.

No. Whiplash and soft tissue injuries often feel worse days or weeks later, and this is common. It is worth being assessed even if some time has passed.

If you have not started a claim yet, we can point you to the steps. Come in and get assessed either way.

The main one you complete is the OCF-1, the application for accident benefits. Your insurer sends it to you after you notify them.

We complete the treatment side. If you are on the minor injury pathway we submit a treatment confirmation form. If you need care beyond that, we submit a treatment plan called the OCF-18. Your insurer then has ten business days to respond to it.

Whiplash and neck pain. Mid and lower back pain. Headaches that started after the crash. Shoulder pain from the seatbelt or from bracing. Knee injuries from the dashboard. Concussion symptoms. Rib and chest wall pain.

We also see people whose old injury flared up again after a collision.

No. You choose your own physiotherapy clinic in Ontario. An insurer can tell you what they will cover, and they do not choose your provider for you.

We are at 1280 Mohawk Rd #103 in Ancaster, L9G 3K9, minutes from the Hamilton Mountain and straight off Highway 403. Parking is free and directly outside the door, with no stairs at the entrance.