If you've been in a car accident in Ontario, the paperwork can feel like a second injury. OCF-1, OCF-3, OCF-18, the MIG, SABS — these forms decide whether your insurance pays for your physiotherapy and how much. Get them wrong and your treatment funding can stall for weeks.
We've spent 35 years helping people in Oakville recover after motor vehicle accidents, and we've watched the same small mistakes delay funding over and over. This page walks you through what each form actually does, in plain language, no legal jargon.
This is general information to help you understand the process, not legal advice. For your specific claim, your insurer or a licensed paralegal/lawyer is the right call. We're physiotherapists — our job starts once your treatment plan is in motion.
Frequently Asked Questions
Don't Navigate the Insurance Process Alone
You don't have to figure all of this out alone. The forms are confusing on purpose-built timelines, and most people only deal with them once in their life.
Download our free step-by-step guide below. It breaks down the three forms that cause the most delays — the OCF-1, OCF-3 and OCF-18 — and shows you exactly where people lose funding.
Disclaimer*
The information on this page is general and educational. It is not legal or insurance advice. Speers Road Physiotherapy provides physiotherapy treatment and treatment-plan documentation (OCF-18/OCF-23). For advice on your specific claim, contact your insurer or a licensed legal professional.