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Auto Accidents and Car Wrecks
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I was injured in a car accident and my insurance company is telling me I have to use my personal insurance (e.g. Desjardins, Blue Cross, Manulife) to pay for my massage therapy, physiotherapy and prescription drugs before I can use either the accident benefit coverage (Section B) on my automobile policy, or the insurance of the guy who hit me. Is this right?
A: Your insurance company is right. The law says when a person can use their Section B benefits. It says that a person injured in a motor vehicle accident must look first to any private insurance he has available to him to pay for things such as physiotherapy and muscle relaxants. If you don't have private insurance or if you don't have enough (for instance if you only have 70% coverage for prescriptions or an annual limit of $300.00 for physiotherapy treatments and you have spent more than $300.00 on physiotherapy) you can access your Section B benefits to pay for the rest.
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Ches Crosbie Barristers
169 Water Street
St. John's, NL
A1C 1B1
Phone: (709) 579-4000
Fax: (709) 579-9671
Toll Free: (888) 579-3262
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Video Library
Auto Accidents and Car Wrecks:
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- Newfoundland & Labrador Accident Lawyer on Truck Accidents
- Newfoundland Auto Accident Lawyer on Uninsured Drivers
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Auto Accidents and Car Wrecks
Does it matter that I didn't see the doctor right after my car accident?
- Do I have to use my own health insurance for my auto accident injuries? I've been injury in a motor vehicle accident and my doctor has referred me for therapy. I have private health coverage through work and I have Accident Benefits Coverage on my auto policy. My auto insurer is telling me I have to use my own private health coverage to pay for therapy costs prior to accessing my Accident Benefits Coverage. Why?
- I was injured in a car accident and my insurance company is telling me I have to use my personal insurance (e.g. Desjardins, Blue Cross, Manulife) to pay for my massage therapy, physiotherapy and prescription drugs before I can use either the accident benefit coverage (Section B) on my automobile policy, or the insurance of the guy who hit me. Is this right?