I have a sore neck after a car accident. Is it covered in my policy?

Car collisions can be devastating. Even the less serious ones can affect your health—and experiencing a sore neck after a car accident is one of the most common examples.

When you’re involved in a collision, it’s important to know what type of coverage you’ll be entitled to for medical expenses. But nobody wants to spend the day poring over a car insurance policy to find the answer, so we’ve picked out the important stuff that you need to know about getting your medical bills covered.


Accident benefits for a sore neck after a car accident

According to the Insurance Act of Ontario, all vehicle insurance providers must provide compensation to clients to cover medical expenses incurred because of an accident. Regardless of who was at fault for the collision, these accident benefits will help cover related costs, such as:

  1. Medical bills
  2. Rehabilitation
  3. Caregiver requirements
  4. Income replacement
  5. Disability benefits

If you’re hurt in a car accident and require physiotherapy, medication, or other medical treatments to heal a neck or other injury, then your auto insurance provider will cover any of the expenses that OHIP won’t. Insurers cover treatments that are deemed necessary and reasonable.



With regular insurance coverage, providers will typically provide a maximum of $65,000 over the course of 10 years for medical and rehabilitation bills for non-catastrophic injuries. Minor injuries have a limit of $3,500.


I was a passenger in the car. Am I still covered?

The province regulates accident benefits, so no matter which provider you use for car insurance, the benefits you’re entitled to will be standard. Similarly, the benefits will apply to anybody involved in the accident, including the driver of the vehicle, passengers in the car, and even any pedestrians involved.

Experiencing a sore neck after a car accident (or anything similar) can be covered regardless of your role in the collision.


What to do after a collision

Fast action is vital after a car accident because this will ensure you get timely access to any medical and rehabilitative care you may require. It also ensures your insurance provider will cover any expenses you incur without any delay.

Generally, the rule is to tell your insurance company about the accident within 24 hours. Once the provider knows about the collision, they’ll send you an accident benefit application package, which will guide you through the application system to apply for coverage.

Again, timing is essential here because you’ll have to complete and return the application to your provider within 30 days if you want your expenses to be covered. You don’t want to leave it any longer than that, or else you might need to jump through more administrative hoops than necessary.

Getting into a car accident is never pleasant, and there are many different types of injuries you could sustain as the result of a collision. Regardless of whether you were the driver, a passenger, or a pedestrian, there is medical coverage available to you through auto insurance providers.

This means you’ll have access to the medical and rehabilitative care you need to treat your injuries and get back on track with your life.

Seriously, what else can you do in 3 minutes?

Boil half an egg?

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