Car Accident Physiotherapy

---

Injured in a car accident? Start your recovery with a clinic that specialises in it.

Motor-vehicle accident rehabilitation is one of Brock Physio & Wellness's specialities. We treat accident injuries at our Thorold clinic — and, if travelling is difficult, in your home across the Niagara Region and between Niagara and Oakville. We direct-bill insurance companies, help you through the accident-benefits paperwork, and work closely with personal injury lawyers when you have one.

Book an assessment: Clinic (905) 378-4325 · Mobile, when the clinic is closed: (289) 501-5158

Clinic hours: Monday, Wednesday and Friday, 8 a.m. – 6 p.m. · 3460 Schmon Pkwy, Thorold

• MVA is a speciality here, not an afterthought — accident rehabilitation is a core part of what we do.

• We direct-bill insurance companies, so in most cases you are not paying out of pocket for approved treatment.

• FSRA-licensed for auto-insurance claims. Brock Physio & Wellness is licensed by the Financial Services Regulatory Authority of Ontario (FSRA) to receive direct payment from automobile insurers for motor-vehicle accident recovery.

• Clinic or home — your choice. If pain, mobility, or not having a driveable car makes travelling hard, we can treat you at home across the Niagara Region and the Niagara–Oakville corridor.

• A multidisciplinary clinic under one roof: physiotherapy, chiropractic care, shockwave therapy, spinal decompression, active therapy, and custom orthotics.

• We handle the paperwork with you — treatment plans and insurer forms are part of the process, and we complete our side of them as part of your care.

• We work closely with personal injury lawyers. If a lawyer is handling your claim, we coordinate treatment documentation with them. If your lawyer referred you to us, we keep them informed as your treatment progresses.

• Neck and back pain, including whiplash-type injuries

• Muscle and ligament sprains and strains

• Knee and other joint injuries

• Post-surgical rehabilitation after accident injuries

• Pain and movement problems that appear or worsen in the days after an accident

You do not need to wait until you are sure how serious it is. An early assessment documents your injuries — which matters for both your recovery and your claim.

1. Take care of urgent medical needs first. If you may be seriously injured, go to the hospital or see a doctor right away.

2. Tell your auto insurer promptly. In Ontario you should notify your insurer of the accident and ask for the accident-benefits application package — the guideline is within 7 days of the accident.

3. Book your assessment with us. You do not need a referral to start physiotherapy, and you can choose your own treatment clinic — even if your insurer or someone else suggests another provider. Call (905) 378-4325.

4. Complete your application for accident benefits (OCF-1). This form starts your claim and is generally due within 30 days of the accident. If the paperwork feels overwhelming, ask us — we walk patients through what is needed and complete the health-care parts of the process with you.

5. We build and submit your treatment plan. Depending on your injuries, treatment may be submitted under the Minor Injury Guideline (using an OCF-23) or as a Treatment and Assessment Plan (OCF-18) for approval by your insurer. We submit our forms and invoices electronically through HCAI, the system Ontario auto insurers use, and we direct-bill so you are not chasing reimbursement for approved treatment.

Bring to your first appointment, if you have them: your insurance claim number, your insurer and adjuster's name, the date of the accident, and any hospital or doctor's notes. Don't have them yet? Come anyway — we can start with what you have.

• Ontario's auto insurance system is no-fault: your own insurer handles your accident benefits, regardless of who caused the accident.

• If you have extended health benefits (for example through work), those are usually used first, and accident benefits cover eligible treatment beyond them. Because we direct-bill all insurance companies, we will explain how this applies to you at your first visit.

• Some injuries fall under the Minor Injury Guideline, which has a pre-approved treatment framework; more serious injuries are funded through approved treatment plans. Which category applies is your insurer's decision based on your injuries — our job is to assess you properly, document your injuries, and submit a treatment plan that reflects what you actually need.

• If a treatment plan is denied or only partly approved, tell us and tell your lawyer if you have one. There are dispute options, and good documentation from the start is what supports them.

This page is general information about the process, not legal or insurance advice. For advice about your claim or settlement, speak to your insurer or a personal injury lawyer.

Not every accident patient can get to a clinic — your car may be written off, driving may aggravate your injuries, or you may have been told not to drive. Our in-home physiotherapy service covers post-accident and post-surgical rehabilitation, senior care and fall prevention, and neurological rehabilitation across the Niagara Region and between Niagara and Oakville. If you are an MVA patient who needs treatment at home, ask us when you call and we will confirm how your treatment plan can be delivered at home.

Brock Physio & Wellness specialises in MVA rehabilitation and works closely with personal injury lawyers across the Niagara Region and the Niagara–Oakville corridor. We provide:

• FSRA-licensed health service provider, authorised to receive direct payment from automobile insurers

• Prompt assessments and clearly documented treatment plans (OCF-18 / OCF-23 through HCAI)

• Consistent progress documentation to support your client's file

• Clinic-based treatment in Thorold and in-home treatment for clients who cannot travel

• A single point of contact for file updates: (905) 378-4325

If you act for accident victims in Niagara, St. Catharines, Hamilton, Burlington or Oakville and are looking for a rehabilitation provider for your clients, call us — we would welcome the conversation.

Do I need a referral to start treatment after an accident?

No. You can book directly with us. Some insurers ask for specific forms, but a doctor's referral is not required to book your assessment.

My insurer suggested a different clinic. Can I still come to Brock Physio?

Yes. In Ontario, you can choose your own treatment provider for accident-benefits treatment. Tell your adjuster where you will be treating.

Do I pay up front?

In most cases, no. We direct-bill insurance companies for approved treatment, including your extended health benefits and your auto insurer. We will tell you before treatment starts if anything would be payable by you.

What if I can't travel to the clinic?

Ask about in-home treatment when you call. We treat MVA patients at home across the Niagara Region and between Niagara and Oakville.

I have a lawyer. Does that change anything?

It can help. With your permission, we coordinate documentation with your lawyer so your treatment record supports your claim. If you don't have a lawyer, that's fine too — many patients don't, and it doesn't affect your treatment here.

How soon should I start?

As soon as you can after urgent medical care. Early assessment means earlier treatment and a properly documented record of your injuries from the start. The key deadlines — notifying your insurer within about 7 days and submitting your benefits application within about 30 days — are another reason not to wait.

Clinic: (905) 378-4325 — Monday, Wednesday and Friday, 8 a.m. – 6 p.m.

Mobile (when the clinic is closed): (289) 501-5158

Visit: 3460 Schmon Pkwy, Thorold, ON — near Brock University, minutes from St. Catharines

At home: in-home MVA treatment available across the Niagara Region and between Niagara and Oakville

The sooner you are assessed, the sooner your recovery — and your paperwork — is on track.