Car Accident (MVA) Rehabilitation in Bradford

If you have been hurt in a car accident, WellCare Medical in Bradford provides physiotherapy, chiropractic care, massage therapy and acupuncture for whiplash, back and neck pain and other motor vehicle accident (MVA) injuries. We prepare the forms your insurer asks for, send in your treatment plan and bill the insurer directly, so you can concentrate on getting better.

Every Ontario auto insurance policy includes accident benefits that pay for medical and rehabilitation treatment after a collision, whoever was at fault. You claim them from your own insurer. Passengers, pedestrians and cyclists are usually covered too, through their own policy or another policy involved in the accident.

Which insurer pays first depends on the date of the auto policy:

• Policies issued or renewed on or after July 1, 2026. The auto insurer pays first for eligible treatment such as physiotherapy, chiropractic care and massage therapy. Your work benefits are kept for other care. Medication is the exception and still goes through your health plan first.
• Policies issued or renewed before that date. Your extended health plan, if you have one, is used first, and the auto insurer pays what is left.

We check which rule applies to you at your first visit. In both cases the insurer reviews the treatment plan and approves the care it considers reasonable and necessary.

• help with the application for accident benefits (the OCF-1 form)
• the treatment plan forms your insurer requires, such as the OCF-18 and OCF-23, completed and sent by the clinic
• direct billing to the auto insurer for approved treatment, and to your extended health plan where it applies
• progress reports and other documents the adjuster asks for

• Get urgent symptoms checked first. Go to the emergency department or call 911 for a severe or worsening headache, confusion, repeated vomiting, fainting, chest pain, trouble breathing, weakness or numbness in the arms or legs, or loss of bladder or bowel control.
• Tell your insurer. Insurers ask to be told about an accident within seven days, and to receive your completed application within 30 days of sending you the forms. Your insurer or broker can confirm the dates that apply to you.
• Be assessed early, even if the pain seems mild. Symptoms often build over the first few days.
• Keep your paperwork together: the claim number, the adjuster's name and anything you have been sent.

• whiplash and neck pain
• back pain, including disc injuries
• headaches that start after the collision
• shoulder, knee and other joint injuries
• tendon and ligament strains
• concussion symptoms, with a concussion assessment when it is needed
• stress, low mood or anxiety about driving, with a psychological assessment when it is needed

Your plan is built around your injuries and moves through stages: easing pain, restoring movement, rebuilding strength and returning to work, driving and activity.

• Physiotherapy to restore movement and strength with hands-on treatment and exercise.
• Chiropractic care for the neck, back and joints.
• Massage therapy from registered massage therapists for muscle pain and guarding.
• Acupuncture to help ease pain and muscle tension.

When they are needed for your recovery or your claim, we arrange in-home and attendant care assessments, psychological assessments, Functional Abilities Evaluations, orthopedic assessments, chronic pain assessments and driving reintegration assessments. See all assessments.

• your auto insurance policy number, claim number and the adjuster's name and phone number
• your work benefits details, if you have a plan
• any hospital, doctor or imaging reports from after the accident
• comfortable clothing you can move in

Walk-ins are welcome for every treatment on any day we are open. If we have availability we will see you right away. Calling ahead is the best way to avoid a wait. We are accepting new patients for every treatment.