What changed on July 1, 2026
Ontario's auto insurance rules changed on July 1, 2026. Medical and rehabilitation benefits are still part of every auto policy, and your auto insurer now pays first for accident-related treatment. You no longer have to use up your workplace benefits before your auto claim covers physio or chiro.
What to do after an accident
- Get checked. See a doctor, walk-in clinic or emergency department if you have any concerning symptoms.
- Tell your auto insurer. Report the accident and say you want to apply for accident benefits. Ontario rules ask you to notify your insurer within 7 days.
- Fill out your application. Your insurer sends an application form (the OCF-1). Send it back within 30 days of getting it.
- Book an assessment with us. Bring your claim number, insurer name and adjuster's name if you have them. If you don't have them yet, book anyway and we'll help you get them.
The forms, explained
| Form | What it does |
|---|---|
| OCF-23 | Treatment plan for minor injuries such as most whiplash, sprains and strains |
| OCF-18 | Treatment plan for injuries that need care beyond the minor-injury program |
| OCF-21 | Invoice to your insurer for approved treatment |
| OCF-24 | Discharge report when your minor-injury program ends |
Treatment plans and invoices go to your insurer through HCAI, the system Ontario clinics and auto insurers use for accident claims. We walk you through each step.
Bring to your first visit: photo ID, your auto insurer's name, claim number, adjuster's name and phone, the date of the accident, and any notes from a doctor or hospital.
Common injuries we treat
- Whiplash and neck pain
- Lower back and mid-back pain
- Shoulder strains from seatbelts
- Headaches after a collision
- Knee and hip pain from bracing on impact
Questions
Do I pay anything?
Your auto insurance covers approved accident treatment. If anything isn't covered, we tell you before your visit, never after.
Where do you see patients?
In person at 8655 Weston Rd in Vaughan, for patients from Vaughan, Woodbridge, Kleinburg, Maple, Concord, Thornhill, Richmond Hill, King City, Bolton, North York, Etobicoke and Brampton. Virtual care is available anywhere in Ontario.
I wasn't the driver. Can I still claim?
Passengers, pedestrians and cyclists hurt in a collision can usually apply for accident benefits. Ask your own auto insurer first, or the insurer of the vehicle involved if you don't have one.
How soon can I start?
Most new patients are assessed within 48 hours of calling.
This page is general information, not legal advice. Every claim is different; your insurer or a licensed paralegal or lawyer can explain your specific benefits.