Every auto insurance policy in Nova Scotia includes mandatory no-fault “Section B” benefits, which covers up to $50,000 in medical expenses and other potential losses, regardless of who was at fault. 

• Treatment Protocols: For common soft-tissue injuries like strains, sprains, and whiplash you can access treatment directly from a Chiropractor without a doctor’s referral. Your Chiropractor will bill the insurer directly for up to 21 sessions within 90 days of the accident under the standard protocols.
• Documentation: Your Chiropractor will help coordinate and submit necessary forms, such as the Form NS-2 (Notice of Claim and Treatment Plan), to the insurer.
• Proof of Loss Form: You must complete and submit a Proof of Loss Form (NS-1) to your insurance company, typically within 10 business days of the accident. You can find forms and more information on the official Government of Nova Scotia Finance website. If you need help with the NS-1 form, ask your Chiropractor to help you.
• After Protocols: If your injuries are not minor or require treatment beyond the initial 21 sessions/90 days, coverage may still be available through your motor vehicle insurer, but you will need to use your private health insurance first.

Summary:
1. Following your accident, contact your insurance adjuster and let them know you’ve had bodily injuries. **Please note, you are free to see any Chiropractor or Physiotherapist for your MVA injuries, even if your insurance company has a “preferred provider” or suggests specific offices to attend.
2. Contact Village Wellness and schedule your initial MVA appointment (no referral necessary).  
3. Send in the NS-1 Form to your insurer.
4. There is an automatic approval for 21 visits / 90 days from the date of your accident. Attend your regular Chiropractic visits and use this time to focus on your care and get back to your pre-injury self!
5. Following the 90 day approval period, you and your Chiropractor will determine any need for further care related to your MVA injuries. You must use your private health insurance first, however once approved, any further care beyond your private health coverage will be paid directly from your Motor Vehicle Insurer.