The fabric during these chapters in texas auto insurance official statement is centered on issues which arise in relation to benefits such as eligibility requirements and the process by which they are in place, the kinds of loss encompassed by particular categories of benefits, and also the methods of calculating the value of benefits. These are issues that are relevant to all existing schemes and which require attention of the designers associated with a 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 aren’t always clear dividing lines between treatment, rehabilitation and long-term care, no-fault schemes in Canada tend to treat them as separate categories, even when they are invariably combined for purposes of the limit around the amount payable.
In conformity using the legislative example, these 3 categories are examined separately here, as well as other relevant matters relating to entitlement to benefits.
Medical and Related Benefits Covered
The Saskatchewan legislation makes provision for medical benefits under a general section handling a “supplementary allowance” that is payable pursuant to the insurer’s “absolute discretion.” The other plans are more specific regarding the scope of cover for medical expenses. In Quebec, although the statute refers simply to “medical and paramedical care and transportation by ambulance,” details of cover are supplied 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 inside the concept of insured services under the relevant provincial medical health insurance legislation.” All of the non-government schemes also add towards 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.