The material in these chapters in texas auto insurance link is centered on issues which arise in relation to benefits for example eligibility requirements and also the process through which they are established, the types of loss encompassed by particular types of benefits, and also the methods of calculating the need for benefits. These are issues that are relevant to all existing schemes and which require attention of 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 treatment, rehabilitation and long-term care, no-fault schemes in Canada often treat them as separate categories, even when they’re invariably combined for purpose of the limit on the amount payable.
In conformity using 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” that is payable pursuant towards 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 of the remaining schemes provide cover expressly for necessary medical, surgical, dental, hospital, ambulance and professional nursing services. British Columbia also includes physiotherapy, chiropractic treatment, occupational therapy or speech therapy. Manitoba adds “chiropractic” in addition to “other related expenses including orthopedic and optical appliances.” New Brunswick, Quebec, www.tdi.texas.gov Ontario and P.E.I, add “any other service inside the concept of insured services under the relevant provincial medical health insurance legislation.” All the non-government schemes also add to the list “other services and supplies” which both the claimant’s physician and the insurer’s medical adviser consider to be “essential” for treatment or rehabilitation.