Interlink Physiotherapy in Ancaster provides direct-billing MVA physiotherapy under Ontario's SABS. No referral required. We submit your OCF-18 forms directly to your auto insurer — you pay nothing out of pocket.
The actions you take in the first 24–72 hours after a motor vehicle accident directly affect both your recovery and your legal rights under Ontario's Statutory Accident Benefits Schedule (SABS). Many soft tissue injuries — particularly whiplash — do not produce full symptoms until hours or days after the collision. This means you may feel fine at the scene but develop significant pain and restricted movement within 48 hours.
Early documentation of your injuries is critical. Your physiotherapist's assessment report becomes part of your insurance file and supports your claim for treatment benefits. Delays in seeking treatment are sometimes used by insurers to argue that injuries were not caused by the accident.
Ontario's Statutory Accident Benefits Schedule (SABS) requires every auto insurance policy to include accident benefits coverage regardless of fault. This means that even if you caused the accident, you are entitled to physiotherapy and rehabilitation benefits. The coverage level depends on how your injuries are classified.
| Classification | Examples | Benefit Limit |
|---|---|---|
| Minor Injury (MIG) | Sprains, strains, WAD Grade I–II | $3,500 |
| Non-Minor Injury | Disc injuries, fractures, WAD Grade III, concussion, psychological | Up to $65,000 (standard) or $1M+ (enhanced) |
| Catastrophic Impairment | Spinal cord injury, brain injury, amputation, blindness | Up to $1,000,000+ |
At Interlink Physiotherapy, we conduct a thorough initial assessment and document all findings accurately. Where your injuries exceed the Minor Injury Guideline criteria, we will provide the clinical documentation needed to support a non-MIG designation and ensure you receive the full benefits you are entitled to.
Direct Billing — No Upfront Cost
We submit your OCF-18 Treatment and Assessment Plan directly to your auto insurer. In most cases, you pay nothing out of pocket. We handle all required forms and communicate with your insurer throughout your treatment.
Motor vehicle accidents produce a characteristic pattern of injuries depending on the direction of impact, speed, and whether the occupant was wearing a seatbelt. The most common mechanism is rear-end collision, which produces a rapid flexion-extension of the cervical spine — commonly called whiplash. However, MVA injuries frequently affect multiple body regions simultaneously, and a comprehensive assessment is essential to identify all injuries.
We also assess and treat post-traumatic anxiety, sleep disruption, and psychological symptoms associated with the accident. These are recognised under SABS and may support a non-MIG classification when documented appropriately.
Your initial assessment at Interlink Physiotherapy is a comprehensive 60-minute appointment. Dhiman will take a detailed history of the accident, your symptoms, and your pre-accident health status. He will then conduct a full physical examination of all affected body regions, including neurological screening where indicated.
We document the mechanism of injury, direction of impact, symptoms at the scene, and how your symptoms have evolved since the accident.
Assessment of all affected regions including cervical spine, thoracic spine, lumbar spine, shoulders, and neurological screening. We identify injuries that may not yet be fully symptomatic.
We assess how your injuries are affecting your ability to work, drive, sleep, and perform daily activities — all of which are relevant to your insurance claim.
We create a personalised treatment plan and complete the OCF-18 Treatment and Assessment Plan form required by your auto insurer. We submit this directly to your insurance company.
Please bring your auto insurance policy number, your insurer's contact information, and any medical reports or imaging results you have received. If you have already received a claim number from your insurer, bring that as well.
Recovering from a motor vehicle accident requires a physiotherapist who understands both the clinical complexity of MVA injuries and the administrative requirements of Ontario's insurance system. Dhiman Patel at Interlink Physiotherapy has experience treating the full spectrum of MVA injuries and managing the OCF documentation process from initial assessment through to discharge.
Every session is with Dhiman directly — no assistants, no handoffs. Your treatment is consistent and personalised throughout your recovery.
We submit all required OCF forms directly to your auto insurer. You focus on recovery while we manage the paperwork.
We assess all body regions affected by the accident, not just the area of primary complaint. Missed injuries are a common cause of prolonged recovery.
Treatment protocols are grounded in current clinical evidence for MVA injuries, including manual therapy, progressive loading, and concussion management where applicable.
No referral is required. Under Ontario's Standard Automobile Insurance Policy (SABS), you are entitled to access physiotherapy directly after a motor vehicle accident. You can call Interlink Physiotherapy directly and begin treatment immediately. Your physiotherapist will complete the required OCF-18 Treatment and Assessment Plan form and submit it to your auto insurer on your behalf.
Yes. Ontario's Statutory Accident Benefits Schedule (SABS) provides accident benefits regardless of who was at fault. Most Ontario auto insurance policies include coverage for physiotherapy, massage therapy, and other rehabilitation services up to a minimum of $3,500 for minor injuries (MIG) or significantly more for non-minor injuries. We will review your policy and submit all required forms directly to your insurer so you do not need to pay out of pocket.
As soon as possible — ideally within 24–72 hours. Early assessment and treatment significantly improve recovery outcomes. Soft tissue injuries such as whiplash often do not produce full symptoms until 24–72 hours after the accident, and delaying treatment can allow injuries to become chronic. Early documentation also protects your legal and insurance rights.
The Minor Injury Guideline (MIG) is an Ontario regulation that caps accident benefits at $3,500 for injuries classified as minor (sprains, strains, whiplash-associated disorder Grade I or II). If your injuries are more serious — such as fractures, disc injuries, neurological symptoms, or psychological conditions — you may qualify for a higher benefit limit. Your physiotherapist will conduct a thorough assessment and, where appropriate, document findings that support a non-MIG classification to ensure you receive the full benefits you are entitled to.
We treat the full range of motor vehicle accident injuries including whiplash and cervical strain, concussion and post-concussion syndrome, lower back pain and disc injuries, shoulder injuries (rotator cuff tears, AC joint sprains), knee injuries, TMJ (jaw) dysfunction, headaches and dizziness, rib injuries, and psychological conditions such as anxiety related to the accident. Our assessment identifies all injuries — including those that may not yet be symptomatic.
Learn more about the specific injuries commonly sustained in motor vehicle accidents and how we treat them:
Book your initial assessment today. No referral needed — direct billing to most insurance providers.
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