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Originally Posted by TheSutterDynasty
What's the process after this? Does your physiotherapist have to make a whiplash diagnosis for this to be useful? What kind of leverage do you gain from such a diagnosis?
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What happens in the vast majority of cases is that you are diagnosed with Grade 2 whiplash, and get 21 direct-paid visits which must be completed within 90 days. The initial diagnosis can be made by your GP, a chiro or a physiotherapist. It's all a dirty little game because your insurance doesn't want to pay for your treatment (even though they are obligated to for 2 years following the accident), while the chiro or physio wants you to treat as long as possible, so that they make money. Sometimes some of these people even really care about your health.
When it comes to making a claim against the party that caused the accident, if you complete 21 visits you are basically entitled to the maximum under the cap (~$4500 for pain and suffering), though you will find that insurance companies will usually not want to pay that unless you get a lawyer.