If your claim is accepted, the insurer will pay for medical treatment that is:

  • reasonable and necessary, and
  • treating injuries caused by the motor vehicle accident.

You may also receive compensation when the claim settles.

What can be included?

The insurer will pay for your medical treatment, care and support. Each claim is different. What is covered will depend on your injuries and recovery.

This can include:

  • GP appointments
  • Medications
  • Physio or chiropractic treatment
  • Counselling, psychologist or psychiatrist treatment
  • Hospital treatment and surgeries
  • Ambulance transfers.

The insurer may also cover:

  • Travel expenses, to and from medical appointments
  • Paid care, if your injuries mean you cannot do the things you used to (like cleaning and gardening).

Requesting funding

Speak to the insurer about what treatment you and your doctor think will help your recovery.

If you are unsure whether the insurer will pay for something, contact the insurer before the treatment or service, to check whether they will cover it.

If you ask the insurer to pay for something, they will respond within seven business days.

What is 'reasonable and necessary'?

The insurer will pay for any treatment, care and support that is reasonable and necessary.

In deciding whether something is reasonable and necessary, the insurer considers things like:

  • Whether your doctor/s recommend the treatment
  • Whether you've had similar treatments in the past, and what the outcome was
  • The expected benefit of the service
  • Your medical history.

The insurer might ask you to undergo an independent medical assessment. This helps you and the insurer to understand your injuries, and how you're recovering.

If you disagree with the insurer's decision to not pay for something, contact the insurer to discuss this. If you still disagree, find out more about your dispute resolution options.

More information

For more information: