• At Cogent Rehab, we understand the physical, emotional, and financial challenges following an accident. What sets us apart:

• Clinic Advantage: We are a fully equipped rehabilitation clinic — not just a home care provider — offering advanced physiotherapy equipment and methods.

• Experienced team: Our physiotherapists have expertise in managing both acute and long-term accident-related conditions.

• Personalized care: Every treatment plan is tailored to your specific injuries, lifestyle, and recovery goals.

• Insurance support: We help with claim forms, direct billing, and communication with insurers to make the process less stressful.

Injury Funding Tiers After a Motor Vehicle Accident in Ontario

When you’ve been injured in a car accident in Ontario, your auto insurance coverage for physiotherapy and rehab depends on how your injury is classified under the Statutory Accident Benefits Schedule (SABS). Here's how the coverage tiers break down:

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1. Minor Injury Guideline (MIG)

• Definition: Minor injuries such as soft-tissue injuries, whiplash, sprains, or strain usuallyfall under the MIG.

• Coverage: Up to $3,500 in combined medical and rehabilitation benefits. 

• Limitations: No attendant care or additional benefits are included under MIG. 

2. Non-Catastrophic (Non-CAT)

• Definition: More serious injuries that exceed MIG criteria but don’t meet catastrophic thresholds.

• Coverage: Up to $65,000 for medical, rehabilitation, and attendant care benefits over up to five years. 

• Additional Benefits: May include income replacement, housekeeping, and more when optional benefits are purchased. 

3. Catastrophic Impairment (CAT)

• Definition: Severe, permanent impairments such as paralysis, amputation, severe brain injury, or vision loss. 

• Coverage: Up to $1 million in medical, rehabilitation, and attendant care benefits, often for life./-2398-23​