Table 3.

Problems experienced during the compensation process

Label	Problem
Communication	Never returned calls, no initiative from the insurer side
	Lack of information
Determining compensation	Exceeding the $5000 limit of the no-fault claim
	Not being (sufficiently) compensated for costs
	Having to prepay costs and then seek reimbursement
	Waiting for loss of wages to be paid
	Claim settlement taking too long or feeling pressured to settle
Medical treatment and assessment	Reimbursement for treatment not being approved
	Waiting for treatment approval
	Discussing causality/having to provide entire medical history
	Having to undergo numerous medical assessments
Paperwork	Too much, too difficult, time consuming, repetitive
Liability assessment	Discussions about who was at fault