MVA Assessment and
Psychotherapy Services
Here and Now Therapy supports rehabilitation after a motor vehicle accident (MVA) through a patient-centred, collaborative care approach.
Virtual and in-person sessions, Ontario-wide support
Covered under auto accident benefits
Assessment and therapy in one place
Trauma-trained Registered Psychotherapists
MVA services at Here and Now Therapy
Assessment
A structured session that identifies how the collision has affected sleep, mood, driving, and daily function. Findings support your treatment plan and insurer documentation.
Psychotherapy
Compassionate support from trauma and PTSD therapists to help you overcome fears and struggles that follow an accident, find your sense of self again, and return to daily routines.
Referring a client?
Our team works with lawyers and legal entities to support clients through MVA assessment and therapy.
MVA benefits claims process
STEP 1
Report the accident to your insurer
STEP 2
Complete the OCF-1 form
STEP 3
Complete MVA assessment
STEP 4
Receive OCF-18 plan approval
STEP 5
Begin psychotherapy
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MVA benefits extend beyond the driver, and passengers, pedestrians, and cyclists are also eligible for coverage.
To qualify, you need to meet the following criteria:
Accident must have involved an automobile
Notify your insurer within 7 days
Return the completed OCF-1 within 30 days
Symptoms must connect to the accident
Claims must fall within the 2-year limit
Minors require parent or guardian consent
Missing a deadline does not automatically disqualify your claim, though you will need to explain the delay.
Coverage includes psychotherapy, physiotherapy, medication, attendant care, and transportation to appointments, among others. For policies effective on or after July 1, 2026, income replacement and caregiver benefits are available as optional add-ons rather than standard coverage.
MVA Assessment findings determine which supports your insurer approves through the treatment plan we submit.
Common symptoms after a collision:
Intrusive thoughts, flashbacks, and vivid recalls
Disrupted sleep, nightmares, or early waking
Impaired concentration and short-term memory
Persistent anxiety and avoidance of driving
Withdrawal from people and familiar activities
Heightened irritability and emotional reactivity
Chronic pain alongside psychological distress
Increased alcohol or substance use
Our therapists offer a compassionate, non-judgemental space where the difficult parts of recovery can be spoken about openly. Recovery takes time, and having steady support through it makes the difference.
Need assistance with treatment funding?
Our team works with lawyers and legal entities to support clients through MVA assessment and therapy.
Meet Our Team
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Harsimran Kaur
Anxiety, Trauma, BPD, Relationships
Currently Accepting New Clients
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Rajdeep Deol
Anxiety, Self-Esteem, Couples
Currently Accepting New Clients
Questions About MVA Assessment and Psychotherapy
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1. Extended health benefits
Your auto insurer requires that any psychotherapy coverage through a workplace or private health plan be used before your accident benefits apply.
2. Session payment and receipts
Sessions are paid at the end of each appointment. We provide a receipt for easy insurance claims.
3. Confirmation of exhausted coverage
Your extended health insurer issues a letter confirming no further coverage remains.
4. Coverage moves to your accident benefits
We invoice your auto insurer directly for remaining sessions under your approved OCF-18 treatment plan.
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Yes. Psychological injury qualifies for coverage on its own, with no physical injury required. Symptoms that appear weeks after the accident remain eligible, provided they connect to the collision.
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Yes. Spouses, children, and other household members affected by the accident may qualify for their own treatment plan under the injured person's benefits. They must be approved by lawyers before and must make an insurance claim.
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Yes. Graded exposure work builds tolerance in stages, starting with sitting in a stationary car and progressing to short familiar routes before longer drives.
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Assessment takes 1-2 sessions. Treatment length varies and is set by what the assessment documents, with the OCF-18 plan specifying the approved number of sessions.
Please complete the form and our team will respond within 24 hours. If you have questions about coverage or where to start, give us a call and we will walk you through it.
Phone: 647-339-9952
Email: inquire.hnt@gmail.com
Reach out about MVA support
Serving Brampton, Mississauga, Caledon, Toronto, Oakville, Milton, and all Ontario
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