Accident Benefits Explained
What are Accident Benefits
- They are benefits available to the driver and the passengers of a vehicle involved in an accident regardless of who is at fault.
- The benefits cover out of pocket medical expenses for treatment, essential medical services and supplies.
- The injury must be a direct result of the motor vehicle collision (MVC).
- Limited coverage for wage loss is available.
What Medical Expenses are Covered
- Those services and supplies which are essential for your treatment and recovery. For example physical therapy, medication, dental and chiropractic care.
- These expenses are payable for injuries caused directly and independently of all other causes and must be prescribed by a regulated health care practitioner.
- The above may be reviewed by a medical advisor appointed by Armour Insurance.
Are there any Limits or Restrictions
- Yes. Medical expenses have a maximum limit of $50,000 per injured person and are limited to a maximum of two years.
- Timelines, forms and payment options vary under: a) The Diagnostic and Treatment Protocols Regulation (DTPR) for soft tissue injuries or b) The Alberta Accident Insurance Benefits Amendment Regulation (AAIB) for non soft tissue injuries.
- Please contact your claim representative to assist in the coordination of these plan
How Does Wage Loss coverage Work?
- To qualify you must be wholly and continuously disabled and unable to perform any and every duty of your job.
- You must be employed at the time of the accident or have worked 6 of the previous 12 months.
- Your weekly benefit is subject to a prescribed formula in the Automobile policy.
- You can claim a maximum of $400 per week subject to a one week waiting period.
How Do I Make A Claim
Contact your claim representative who will guide you according to your needs and information required to assess your eligibility for medical and/or wage loss benefits. View our claims page for more information.
Soft Tissue Injuries
- Over 80% of MVC injuries are soft tissue injuries (STI) such as Whiplash Associated
- Disorders (WAD) or muscle strains and sprains.
- With sound, proven, evidence-based knowledge a person with STI can achieve a speedy and complete recovery.
Think You Have Whiplash?
If you think you have whiplash, please see a health care practitioner (HCP) - a physician, physical therapist or chiropractor as soon as possible about:
- Education regarding signs and symptoms
- Continuing your life as usual
- Returning to regular activities and work
- Balancing exercise and rest
- Medication as necessary
- Treatment for pain management
Did You Know?
- The majority of people with a whiplash injury recover in less than 3 months.
- Early intervention emphasizing guided selfcare and active exercise is linked to quicker, better recovery. Prolonged rest is not effective treatment for soft tissue injuries (muscles, ligaments and joints).
- Rosenfeld, in a 2000 study, found that people who started active treatment within 3 days had less pain, recovered quicker and more completely than people who started 2 weeks after the injury.
- Passive therapies such as heat, ice, massage, TENS, electrotherapy, ultrasound and laser treatments may be useful in the short term when combined with manual/physical therapies and exercise.
- The jaw, like other joints in the body, recovers well from injury.
It is important to get on with your life in spite of the pain. Don't let a soft tissue injury take over your life.
* A list of source documents and websites is available upon request.
Guided Self-Care Tips
- Gentle Range of Motion stretches/exercises are helpful for all joints, including the jaw joint.
- Alternate heat and ice 4-5 times a day.
- Maintain good posture.
- Get adequate sleep.
- Continue with regular activities.
Jaw Pain or Difficulties?
If you have jaw pain/difficulties which persist past one week, mitigate your injury. Contact your Insurance Accident Benefits Claims Specialist to:
- Confirm that you have coverage for the
- Temporomandibular (TMJ) Rehab Service
- Learn about TMJ Rehab Service
- Learn about Partner Clinic Network and Dentist
Need Help? Call us: 1-855-475-0959
The information on this web page contains basic information only. It does not replace professional medical advice. All claims are adjusted in accordance with the Alberta Automobile policy.
Armour Insurance also offers the following insurance products:
- Automobile Insurance
- Home Insurance for your Residence and your Personal Property
- Commercial Insurance
- Life Insurance
- Farm Insurance
