The material in these chapters in texas auto insurance their explanation is centered on issues which arise in relation to benefits such as eligibility requirements and also the process by which they are in place, the types of loss flanked by particular types of benefits, and also the ways of calculating the need for benefits. These are issues which are highly relevant to all existing schemes and which require the attention from the designers of any future scheme. The issues encountered with present schemes provide obvious lessons for future planners. Get auto insurance quotes from texasautoinsurancequotes.org
MEDICAL AND REHABILITATION BENEFITS
While there aren’t always clear dividing lines between treatment, rehabilitation and long-term care, no-fault schemes in Canada tend to treat them separate categories, even when they are invariably combined for purposes of the limit around 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 under a general section dealing with a “supplementary allowance” that is payable pursuant to the insurer’s “absolute discretion.” The other plans tend to be more specific regarding the scope of cover for medical expenses. In Quebec, even though 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 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 meaning of insured services under the relevant provincial medical health insurance legislation.” All of the non-government schemes include towards 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.