I have a question about the benefits provided by the Automotive Insurance Policy under the Statutory Accident Benefits Schedule (SABS). Let me begin by apologizing for the acronym alphabet soup.
Typically, when you are injured in an automotive accident, you can see a medical professional for an assessment/treatment. If the accident is NOT minor (your injuries fall outside the Minor Injury Guideline), the treating professional completes an form called an OCF-18. That form highlights the injuries that you sustained from the accident, as well as the assessment/treatment sessions to be provided to you by the medical professional completing the OCF-18 form. Only medical professionals who are registered with the online organization known as “Health Claims for Auto Insurance HCAI” are permitted to submit the OCF-18 forms.
I want to see a medical professional NOT registered with HCAI. I would like to pay for the assessment/treatment out of my own pocket, and get reimbursed from the auto insurance company. My auto insurance company has told me that is NOT possible, but it doesn’t sit right with me. Is that correct? If so, it puts severe constraints on who a patient can see for treatment of injuries sustained in an automotive accident. Can someone please confirm?