The fabric in these chapters in texas auto insurance agree with is focused on issues which arise with regards to benefits for example eligibility requirements and the process by which they are in place, the kinds of loss flanked by particular types of benefits, and also the ways of calculating the need for benefits. These are issues which are relevant to all existing schemes and which require attention of the designers associated with a 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 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 if they are invariably combined for purposes of the limit on the amount payable.
In conformity with the legislative example, these three categories are examined separately here, as well as 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 medical expenses. In Quebec, even though the statute refers merely 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” 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 within the concept of insured services under the relevant provincial medical health insurance legislation.” All the non-government schemes include to the list “other services and supplies” which both the claimant’s physician and the insurer’s medical adviser say is “essential” for treatment or rehabilitation.