Electronic Auto Insurance Claim System

According to the Insurance Bureau of Canada (IBC), the new Ontario Health Claims for Auto Insurance (HCAI) is going to make filing and taking care of claims for auto insurance faster, easier, and simply more efficient. They say that the new electronic medical/rehabilitation claims system will be fully implemented by next February, and once it is it will be the “best in the world.”

They say that simply speaking, it will streamline the entire auto insurance claims system by making it electronic. You get hurt in an auto accident, you go to a neighborhood medical clinic, the doctor assigned to you goes over medical treatment plan with you, and you agree. The AA at the clinic then logs into the HCAI, maps out the treatment plan and cost and sends it to the auto insurance company.

The auto insurance company looks at the file and checks the recommendations, and can also compare pricing to see if it is the most cost effective way to treat the injury. They can then decide to approve, partially approve, or reject the claim. That info goes back to the doctor and the insured, and everyone knows exactly where they stand.

By February 1st of next year all of Ontario’s auto insurance issuers will be required to enroll in the program, thereby cleaning up the entire auto insurance health claims system. For now it is voluntary, but as of the deadline it will be mandatory. Several auto insurance companies have already signed up for the system claiming that it will save billions in the long run.

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