Motor Vehicle Accident Care
Chiropractic assessment and rehabilitation after a car accident — whiplash, neck and back pain, headaches, and concussion symptoms — with the auto-insurance claim paperwork handled for you.
Learn moreAccident Care
Car accident and workplace injury care in downtown Toronto.
BACK IN BALANCE Clinic at 2 Carlton St. in downtown Toronto assesses and treats injuries from car accidents and workplace accidents, and handles the claim paperwork that comes with them. Motor vehicle claims run through your auto insurance and workplace injuries run through WSIB; both are treated by the same chiropractic and massage team, with no referral needed to start.
Since 2009Advanced Spine CareConcussion RehabilitationWomen's HealthRunning & SportsWSIB & MVA ClaimsLGBTQ+ Friendly 🏳️🌈Direct Billing to Insurance
Medically reviewed by Dr. Matthew Serrick, BSc (Hons), DCLast updated September 2026
At a glance.
BACK IN BALANCE Clinic treats both claim types under one roof: motor vehicle accident injuries funded through your auto insurance, and workplace injuries funded through WSIB.
Chiropractors are primary-contact providers in Ontario, so you can book an accident assessment at BACK IN BALANCE without a physician's referral for either claim type.
Every Ontario auto policy includes accident benefits that fund treatment after a collision, regardless of who was at fault.
BACK IN BALANCE direct-bills auto insurers and WSIB wherever the claim allows, and completes the treatment plan and provider reporting for you.
Accident assessments at BACK IN BALANCE include concussion screening, because a collision can concuss you without your head ever hitting anything.
Two systems
MVA or WSIB — which system are you in?
The treatment is largely the same. The funding is not. An injury from a collision is paid for by the accident benefits in your own auto policy, which every Ontario policy carries regardless of who was at fault. An injury that happened at work is paid for by WSIB. Different forms, different timelines, different people to talk to — and it is the part patients most often get stuck on.
You don't have to work it out before you book. Bring whatever you have — a claim number, an adjuster's name, or just the story — and we sort the claim side out with you at the first visit. What matters clinically is getting assessed early, because that both documents the injury properly and starts treatment while it responds best.
A car accident
Your own auto insurer funds treatment through accident benefits, no matter who caused the collision. We complete the treatment plan forms, deal with your adjuster, and bill the insurer directly where the claim allows.
An injury at work
WSIB funds the care. You report the injury to your employer; we complete the provider reporting tied to your treatment, keep your functional abilities up to date, and bill WSIB directly on approved claims.
A crash while working
Driving for work when it happened puts you in both systems at once, and which one applies is not obvious. Tell us at the first visit and we'll work out where the claim belongs before paperwork goes anywhere.
Keep exploring
How we treat it.
What we'll typically pull from when we build your plan.
WSIB & Workplace Injury Care
Assessment, treatment, and return-to-work support for Ontario workers with workplace injuries — we complete the WSIB paperwork and bill WSIB directly.
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Chiropractic Care
Hands-on chiropractic care for back, neck, and joint pain, adjustments, mobilizations, soft tissue work, and rehab exercises tailored to your assessment.
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Massage Therapy
Registered massage therapy with two RMTs on the team. Therapeutic, deep tissue, pre/postnatal, sports recovery, and relaxation, fully insurance-eligible.
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Acupuncture
Contemporary medical acupuncture for musculoskeletal pain, headaches, and trigger-point dysfunction. Performed by a chiropractor with formal acupuncture training.
Learn moreWhich one sounds like you?
| What you feel | What it often points to | Start here |
|---|---|---|
| Neck pain and stiffness that set in a day or two after a collision | Whiplash — an MVA assessment and active rehab | Motor Vehicle Accident Care |
| Headaches, fog, dizziness or light sensitivity after a crash | Concussion screening, even with no head impact | Concussion |
| Low back pain that started with a lift, twist or fall at work | A WSIB assessment and a return-to-work plan | WSIB & Workplace Injury Care |
| Back, rib or shoulder pain from the seat belt and bracing | An MVA assessment of the whole chain, not just the sore spot | Lower Back Pain |
| Back at work, but still unable to manage your regular duties | Reassessment and an updated functional picture | WSIB & Workplace Injury Care |
| Neck and shoulder tension that won't settle weeks after the crash | Registered massage therapy on your accident plan | Massage Therapy |
Keep exploring
What we treat in accident care.
Every one of these has its own guide — start with whichever sounds like you.
Neck Pain
Tech neck, postural neck pain, cervicogenic headaches, post-whiplash recovery, and pinched-nerve symptoms, assessed and treated with the same expert rigour we bring to low back pain.
Read the guide
Concussion
Multi-phase concussion rehabilitation, vestibular, cervical, oculomotor, and graded return-to-activity. Care from the first 72 hours through full return-to-sport, with clearance testing for return to sport and baseline testing at the start of the season.
Read the guide
Lower Back Pain
Lower back pain is the most common reason patients book at BACK IN BALANCE, from acute flare-ups and sciatica to chronic pain that limits daily life. Same-day chiropractic assessments for lower back pain at our downtown Toronto clinic.
Read the guideWho you'll see.
Dr. Matthew Serrick
BSc (Hons), DC
Leads accident assessment: orthopedic and neurological examination, concussion screening after a collision, and the treatment plan your insurer or WSIB works from.
Dr. Steven Murray
DC, MSc, BSc
Chiropractic assessment and graded rehabilitation for collision and workplace injuries, rebuilding strength against the physical demands of your actual job.
Michael O'Brien
RMT (since 2006)
Registered massage therapy for whiplash and neck and shoulder injuries after a collision — deep-tissue and myofascial work on the same accident plan. RMT since 2006.
Dr. Lisa Clarke
BA, DC, Contemporary Medical Acupuncture
Contemporary medical acupuncture and gentle chiropractic care where post-accident pain and trigger-point activity are slow to settle.
What to expect
Your first visit.
- 01
Book, with or without a claim number
Book online or call and say it was a car accident or a workplace injury. No referral is needed for either. If you haven't opened a claim yet, come anyway — the steps are short and we walk patients through them every week.
- 02
A full assessment, documented properly
Plan for 45–60 minutes: the history of the accident, an orthopedic and neurological examination, concussion screening where the mechanism warrants it, and a plain-language explanation of what was injured. That record is also what your claim runs on.
- 03
Treatment the same visit, and the forms started
Where it's appropriate you're treated the same day, and you leave with a written care plan and your first exercises. We start the claim paperwork with you at the clinic and bill the insurer or WSIB directly wherever the claim allows.
What it costs.
We direct-bill most major insurers in Ontario. Fees effective September 2026.
Initial Visit60 min · $150
Re-evaluation / New Complaint45 min · $100
Subsequent Visit30 min · $85
Subsequent Visit with Acupuncture30 min · $95
Subsequent Visit with Laser Therapy30 min · $95
Frequently asked questions
It depends on where it happened, not on how badly you're hurt. Injuries from a collision are funded by the accident benefits in your own Ontario auto policy, regardless of fault. Injuries that happen at work are funded by WSIB. The treatment overlaps almost completely; the forms, timelines and billing do not, and we handle both.
Reviews
What patients say
A few words from people we've helped get back to what they love.
“Steps from College station and they direct-bill my insurance, so it's an easy visit. Real assessment, no pressure, and a plan I could actually follow at home.”
“I saw Dr. Clarke through my pregnancy for pelvic pain. Gentle, knowledgeable, and reassuring the whole way. It made a real difference to how I felt day to day.”
“Booked for a running gait analysis before a half marathon. The video breakdown of my stride was eye-opening and the exercises sorted out the knee pain that kept derailing my training.”
Book your first visit
Tell us what's going on and the front desk will match you with the right accident care practitioner.
- Same-day appointments usually available
- Direct billing to most major insurers
- Prefer to call? (416) 660-9932