On October 13, 2011, a man dropped a stove off his trailer in the middle active Lane of the QEW. I stopped my car, however my car was rear-ended and ultimately pinned the man between the front of my car in his trailer. This gentleman sustained catastrophic injuries.
It has been a year since this accident and I am only now able to comfortably speak about it, the results of the accident and the actions not taken by my insurance company.
I am in the medical rehabilitation field and have been servicing auto insurers clients for the past 15 years. I am well aware of the SABS, FSCO as having worked with insurance companies and handling claims on a daily basis.
Much to my dismay I regret my insurer placed me in the MIG. I was informed I did not ”merit” treatment and was required to undergo three insurer examinations. I was finally given approval for clinical treatment in February 2012 for a driving therapy assessment. Further clinical treatment was not approved until March 2012.
Fortunately I was able to arrange and pay for my own therapy in the five-months prior to being approved by my insurer. It is common knowledge that therapy must be initiated as soon as possible after trauma to ensure a better outcome in early recovery.
It is my goal to assist others who have had the misfortune of being wrongfully adjudicated by their insurance companies as well as provide education for persons handling the medical rehabilitation claims prior to submission.