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AUTO INSURANCE & MVA CLAIMS

Advocating for fair auto insurance payments and patient access.

OPA advocates for physiotherapists and Ontarians accessing auto insurance for health care, including as a member of the Coalition of Health Professions in Auto Insurance, and other stakeholders.

Advocating for our Members

Our Top 3 Priorities

WHY AUTO INSURANCE ADVOCACY MATTERS

The future of physiotherapy in the auto sector.

OPA’s dedicated advocacy with major stakeholders such as the Financial Services Regulatory Authority (FSRA), the Ministry of Finance, and the Coalition of Health Professional Associations in Automobile Insurance (The Coalition) is working toward a future auto sector in which claimants have timely and equitable access to high-quality physiotherapist services. This will be a system where physiotherapists are empowered and supported by streamlined processes that remove barriers to care. 

  • Licensing and oversight will be simplified, allowing physiotherapists to focus on what matters most: delivering exceptional care.
  • Administrative burdens will be minimized, funding will be appropriate to the care that is delivered, ensuring physiotherapists are properly compensated for their expertise.
  • With fewer obstacles to receiving payment, physiotherapists will be able to spend more time with their clients, and claimants will enjoy better care outcomes, ultimately leading to improved recovery and well-being. This is the auto sector that OPA is working toward— a more efficient, supportive, and equitable system for both physiotherapists and the clients they serve.
What We’re Working on Today

Reimbursement Framework Open Letter – July 2026

OPA published an open letter to FSRA and the Honourable Peter Bethlenfalvy, Minister of Finance, calling for physiotherapist reimbursement under the Professional Services Guideline to reflect the true cost of care. Our letter focuses on restoring fair rates, establishing a transparent rate review process, and releasing FSRA’s PSG review findings without further delay.
What We’re Working on Today

Top 10 FAQs on July 2026 Auto Sector Changes

Following changes to the Statutory Accident Benefits Schedule (SABS) effective July 1, 2026, OPA developed a resource answering member questions about billing above Professional Services Guideline rates, coordinating extended health benefits, and managing patient balances for MVA-related physiotherapy care.
What We’re Working on Today

Preferred Provider Networks

OPA developed a position statement on preferred provider networks in Ontario. 
AUTO INSURANCE BILLING RESOURCES

Understanding HCAI and other key requirements for MVA claims.

Submitting and managing auto insurance claims can be complex. Whether you’re new to Health Claims for Auto Insurance (HCAI) or looking for resources to help with the billing process, this section offers guidance on the platforms, forms, and regulations that affect physiotherapists working with motor vehicle accident (MVA) patients in Ontario.

Health Claims for Auto Insurance (HCAI) 

HCAI is an electronic system for transmitting auto insurance health claim forms- OCF18, OCF21, OCF23, and OCF 3- between insurers and health care clinics/practices in Ontario. Learn about registering and how to use HCAI, including step-by-step instructions for completing forms. 

HCAI Bootcamp 

Those who are new to using the Health Claims for Auto Insurance (HCAI) platform can access the HCAI Bootcamp which is a 3-part webinar series that covers a variety of fundamental topics including setting up providers and users, service provider licensing, authorization of OCF signatures and a live HCAI demo of the steps for submitting a treatment plan and an invoice.

Statutory Accident Benefits Schedule