The material during these chapters in texas auto insurance additional hints is focused on issues which arise with regards to benefits such as eligibility requirements and the process by which they are established, the kinds of loss encompassed by particular types of benefits, and also the methods of calculating the need for benefits. They are issues that are highly relevant to all existing schemes and which require attention from the designers of any future scheme. The problems encountered with present schemes provide obvious lessons for future planners. Get auto insurance quotes from texasautoinsurancequotes.org
MEDICAL AND REHABILITATION BENEFITS
While there are not always clear dividing lines between medical treatment, rehabilitation and long-term care, no-fault schemes in Canada often treat them separate categories, even if they are invariably combined for purposes of the limit around the amount payable.
In conformity with the legislative example, these three categories are examined separately here, along with other relevant matters associated with entitlement to benefits.
Medical and Related Benefits Covered
The Saskatchewan legislation makes provision for medical benefits within general section dealing with a “supplementary allowance” which is payable pursuant to the insurer’s “absolute discretion.” The other plans tend to be more specific regarding the scope of cover medical expenses. In Quebec, although the statute refers simply to “medical and paramedical care and transportation by ambulance,” details of cover are provided by regulation.
All the remaining schemes provide cover expressly for necessary medical, surgical, dental, hospital, ambulance and professional nursing services. British Columbia includes physiotherapy, chiropractic treatment, occupational therapy or speech therapy. Manitoba adds “chiropractic” as well as “other related expenses including orthopedic and optical appliances.” New Brunswick, Quebec, www.tdi.texas.gov Ontario and P.E.I, add “any other service within the concept of insured services under the relevant provincial health insurance legislation.” All of the non-government schemes also add to the list “other services and supplies” which both the claimant’s physician and also the insurer’s medical adviser consider to be “essential” for treatment or rehabilitation.