|As a current policyholder, how is my existing policy affected by the reform?
As a current automobile policyholder, you will start to benefit from the enhancements as of April 1, 2013, even if Direct Compensation for Property Damage (DCPD) doesn’t appear on your current certificate. In your next renewal package, you will be able to see the addition of the DCPD under Section A.1 of your certificate of auto insurance.
If I had a car accident prior to April 1, 2013, can I still benefit from the Diagnostic and Treatment Protocols for Minor injuries?
After April 1, 2013, if you are injured in an automobile collision and suffer minor injuries, you will have access to the Diagnostic and Treatment Protocols for Minor Injuries even if your policy has not yet been renewed. It’s the date of the accident that matters not the effective date of your auto insurance policy.
The reform is effective April 1, 2013. If you had a car accident prior to this date and suffered minor injuries, you will be treated in accordance with Section B - Accident Benefits in force at the date of your accident. Therefore, your treatment plan needs to be approved and you need to follow the instructions you received when you filed your claim. You need not take any action. Our Claims Services will make sure that you have all the proper forms in hand to settle your claim. If you have any concerns or wish to discuss the impact of the Reform on your ongoing claim, you can contact your claims analyst.
Will my residential insurance policy be affected by the reform in any way?
No, this reform only applies to automobile insurance.