MVA Rehabilitation in Thornhill
Injured in a car accident? You are entitled to treatment, at no cost to you, under Ontario’s auto insurance benefits. RehabOne Plus handles the OCF paperwork and bills your auto insurer directly. You focus on healing.
MVA Recovery at RehabOne Plus
After a car accident, your auto insurance covers a coordinated rehabilitation plan: physiotherapy, chiropractic, , and assessments. We handle the OCF forms, bill your insurer directly, and build a clear plan to get you out of pain and back to your routine. From whiplash to lumbar strain, we treat the full picture, not just the symptom.
Your Auto Insurance Covers Your Treatment
Under Ontario’s Statutory Accident Benefits Schedule (SABS), every person injured in a motor vehicle accident has access to rehabilitation benefits through their auto insurer, regardless of fault.
Physiotherapy, chiropractic
All covered as part of your rehabilitation plan. We bill your auto insurer directly, no upfront cost.
Standard 12-week program of care
The minimum program under SABS for minor injuries (WAD Grade I/II and soft-tissue sprains and strains). Many patients qualify for extended coverage.
$400 in supplementary goods
Braces, TENS units, custom orthotics, cervical pillows, and other assistive equipment included in your benefits. See our braces & compression page for what’s stocked.
Active rehab & reconditioning
Functional reconditioning covered for more complex injury files. Non-minor injuries qualify for significantly higher coverage.
Car Accident Injuries We Treat
Whiplash (WAD I–IV)
The most common MVA injury. Rapid deceleration forces the neck through hyperflexion-hyperextension, causing soft-tissue strain, joint dysfunction, and nerve irritation. Symptoms: neck pain, headache, limited range of motion, upper back pain, referred arm symptoms.
Cervicogenic Headaches & Post-Concussion
Headaches following an MVA may originate from the cervical spine or from concussion. Both require differentiated treatment. We screen for concussion and manage headache patterns with manual therapy and a graded return to activity.
Low Back & Lumbar Injury
The lumbar spine is frequently injured in rear-end and side-impact collisions. Facet joint injury, disc irritation, and paraspinal strain are common. Left untreated, MVA back injuries commonly become chronic. See our low back pain page.
Thoracic Spine Injury
Mid-back injuries common in side-impact and T-bone collisions. Thoracic facet dysfunction, rib joint irritation, and muscle strain can cause significant pain for months if not properly rehabilitated.
Shoulder Injuries
Seatbelt loading and bracing impact (hands on steering wheel) commonly injure the shoulder, rotator cuff strains, AC joint sprains, biceps tendon strains. Full shoulder assessment is part of every MVA intake.
Knee & Hip Injuries
Dashboard impact injures the knee: patellofemoral pain, ligament strains, IT band irritation. Hip impaction in side-impact collisions can cause labral irritation and adductor strains. See our knee pain page.
TMJ (Jaw) Pain
Often underdiagnosed. The same deceleration forces that injure the cervical spine can cause clicking, jaw deviation, and chewing pain. We treat TMJ dysfunction as part of MVA rehab.
Nerve Symptoms & Radiculopathy
Tingling, numbness or weakness in the arms or legs may indicate nerve root compression from disc herniation. Requires careful assessment and modified rehabilitation. MRI referral arranged as needed. See our sciatica page.
How MVA Treatment and Billing Works in Ontario
Report Your Accident
Notify your auto insurer and complete OCF-1 (Application for Accident Benefits) within 7 days. We can assist with this paperwork.
Book Your Assessment
Contact us as soon as possible. You do not need to wait for insurer approval to begin treatment for minor injuries. Early treatment produces significantly better outcomes.
OCF-23 Treatment Plan
Your practitioner completes a comprehensive MVA intake and documents your injuries using the OCF-23 form, submitted to your insurer for approval. We bill directly at every session.
$400 in Supplementary Goods, Included in Your Benefits
Under SABS, you are entitled to a minimum of $400 in supplementary goods. We identify which aids are clinically indicated for your injury and ensure they are properly documented and claimed:
- Cervical (neck support) pillows
- TENS / electrical stimulation units
- Lumbar support braces
- Knee braces and supports
- Compression supports
- Kinesiology tape
- Hot/cold packs
- Custom orthotics (where indicated)
Why Thornhill MVA Patients Choose RehabOne Plus
Direct billing at every session
We manage all insurer communication and OCF documentation. You pay nothing at the point of care. Early appointment availability, SABS timelines are strict, and we prioritize MVA patients for rapid intake.
Experienced with complex files
Non-minor injury files, disputed claims, and long-term rehabilitation managed with full documentation support. If your accident occurred while at work, we manage intersecting WSIB and SABS benefits.
Same practitioner, every visit
You see the same person each session. Your practitioner knows your case, your insurer, and your goals, no handoffs and no repeated history-taking.
MVA Rehab, Common Questions
Does auto insurance in Ontario cover physiotherapy after a car accident?
Yes. Under Ontario’s Statutory Accident Benefits Schedule (SABS), physiotherapy, chiropractic, are covered for anyone injured in a motor vehicle accident, regardless of fault. Coverage begins immediately. Minor injury benefits include a standard 12-week program of care.How long can I receive treatment after a car accident?
Minor injury claims under SABS receive a standard 12-week program of care. Non-minor injuries, fractures, nerve injuries, disc herniations, psychological impairment, qualify for significantly extended benefits. Your practitioner determines injury classification and documents your file accordingly.Do I need to pay upfront for MVA treatment?
No. We bill your auto insurer directly at every session. You pay nothing out of pocket for covered treatment. We handle all OCF documentation and insurer communication on your behalf.What is the $400 supplementary goods benefit under SABS?
SABS provides a minimum $400 entitlement for assistive goods related to your accident injuries, cervical pillows, TENS units, lumbar supports, braces, and other medical aids. Your practitioner documents medically necessary items and bills them through your accident benefits.How soon after a car accident should I start treatment?
As soon as possible. SABS timelines require your OCF-1 to be filed within 7 days. Earlier treatment produces significantly better outcomes for whiplash and soft-tissue injuries, research shows delayed treatment increases the risk of chronic pain. You do not need to wait for insurer approval to begin care.What is a minor injury under Ontario’s SABS?
Under Ontario’s Minor Injury Guideline (MIG), minor injuries include Grade I and II whiplash and sprains/strains without complicating factors. Minor injuries are treated under a capped 12-week program. If a pre-existing condition or more complex injury exists, your practitioner can document the file for non-minor benefits.Documents to Bring to Your First Visit
- Your insurance policy number and adjuster contact info
- OCF-1 (Application for Accident Benefits) if already filed
- Police report or accident report number
- Photos of vehicle damage if you have them
- Any imaging (X-rays, MRI, CT) from the hospital or your doctor
- List of current medications
- Notes on your symptoms since the accident (pain levels, sleep impact, daily limitations)
Common Questions Patients Ask After an Accident
“My pain is not severe. Do I really need treatment?”
Yes, and earlier is better. Whiplash and soft tissue injuries often feel mild in the first 24 to 48 hours, then worsen significantly by day 3 to 5 as inflammation builds. Patients who delay treatment have significantly higher rates of chronic pain. Conservative treatment is fully covered and the early phase is when it works best.
“Will starting treatment affect my settlement?”
No. SABS accident benefits are completely separate from any tort claim against the at-fault driver. Documented treatment actually supports a future tort claim because it establishes the impact of your injury. Do not delay care because of legal concerns.
“What if I was at fault?”
Accident benefits under SABS are no-fault. You are entitled to treatment coverage regardless of who caused the collision. The only impact of fault is on the property damage / vehicle repair side of the claim.
“How long can I receive treatment?”
Minor injuries are covered under a 12-week Standard Program of Care. Non-minor injuries (fractures, nerve damage, disc herniation, psychological impairment or pre-existing conditions complicating recovery) qualify for significantly extended benefits.
Why Early Treatment Matters
Research on whiplash and soft tissue injuries consistently shows that patients who start treatment within 1 to 2 weeks of injury recover faster, have less chronic pain, and return to work sooner than patients who wait. The first 4 weeks are a critical window. Tissue heals best when it is loaded progressively and protected from re-injury, and the nervous system is less likely to develop chronic pain patterns when pain is managed early.
If you have been in an accident, do not wait. We see new MVA patients within 5 business days, often sooner. Call (647) 612-9000 or request an appointment today.