What To Do After A Car Accident in Calgary?
A Step-By-Step Guide for Calgary Drivers
Being in a car accident — even a “minor” one — can shake your sense of safety, impact your body and nervous system, and leave you juggling insurance calls and medical concerns. If you’ve been in a motor vehicle accident (MVA) in Calgary, knowing what to do next can make a significant difference in your physical and emotional recovery.
At Perception Psychotherapy, we provide trauma‑informed MVA therapy in Calgary (both in‑person and virtual) to support you through this process. Our therapists are familiar with the Alberta insurance system, including Section B accident benefits, required documentation, and care coordination so that you feel confident, supported, and empowered throughout your recovery journey. lelaw.ca
1. Get Medical Attention & Document Injuries
After a car accident, see a medical provider as soon as possible — even if symptoms aren’t immediate. A medical assessment ensures your safety and creates documentation that supports your Section B benefit claim. Alberta.ca
2. Report the Accident and Start Your Claim
In Alberta, you’re entitled to accident benefits from your car insurance regardless of who was at fault. To access benefits:
Notify your insurer of the car accident soon after it happens.
Complete an AB‑1 Notice of Loss and Proof of Claim Form and submit it to your insurer as soon as practical. Alberta.ca
Failing to report timely can delay benefits, so don’t wait. Once you submit the claim form, your insurer reviews it and will contact you about your coverage. Alberta.ca
3. Understand Section B Benefits in Alberta
Under Section B of your auto policy, you’re entitled to medical and rehabilitation benefits for injuries related to the collision. These benefits are available for up to two years after the accident and can cover many treatment needs, including psychological care. lelaw.ca
What Section B Covers (examples):
Medical services and rehabilitation
Chiropractic treatment and physiotherapy
Psychological treatment related to the accident
Other necessary medically prescribed services
(The insurer must approve treatment plans.) KMSC Law LLP
Sometimes insurable limits are set for specific modalities (e.g., massage or acupuncture), and extended health plans must be used first if available. lelaw.ca
4. Who Can Provide Care After a Car Accident?
In Alberta, a range of regulated practitioners may be part of your recovery plan when services are related to your accident and approved by the insurer. These include:
Registered psychologists or mental health therapists providing trauma or counselling support
Physiotherapists and chiropractors
Occupational therapists, massage therapists, and other rehab providers when medically necessary and approved under Section B lelaw.ca
Your therapist can help document symptoms, prepare a treatment plan, and communicate with your insurer to support coverage. Mondaq
5. Start Trauma‑Informed MVA Therapy in Calgary
After a car accident, people may experience:
Driving anxiety or panic responses
Sleep disruption or nightmares
Emotional numbness or irritability
Intrusive thoughts about the accident
Avoidance of driving or certain situations
These reactions are normal after trauma, and early psychological support improves outcomes. Our trauma‑informed approach helps with nervous‑system regulation, symptom tracking, and psychological recovery as part of your Section B benefit plan or extended health coverage.
Whether you choose in‑person therapy in Calgary or virtual sessions, our team ensures care is compliant with Alberta insurance requirements and centered on your recovery and confidence. theraplace.ca
6. Track Your Symptoms and Progress
Keeping a record of symptoms — emotional, cognitive, or physical — helps your therapist tailor treatment and supports insurance documentation. Many clients benefit from tracking day‑to‑day patterns, triggers, and improvements over time.
7. Be Kind to Yourself
Recovering after a car accident often involves both body and mind. Experiencing stress, anxiety, or emotional reactions doesn’t mean you’re weak — it means your system is responding to stress. With support, healing is possible.
Ready for MVA Therapy in Calgary?
At Perception Psychotherapy, we’re here to help you navigate your car accident recovery with trauma‑informed care, insurance support guidance, and consistent, empowering treatment. Contact us to start your healing journey.