Skip to main content
Serving Toronto & Across Ontario  ·  289-547-5911 · Toll Free 1-866-248-0567  ·  info@criticaltraumatherapy.com
You Were Not in the Car. You Were Still Affected.

Counselling for Family Members After a Car Accident

You have been holding everything together. Managing the appointments, the paperwork, the household, and someone else’s pain, while quietly setting aside the fact that you are exhausted and frightened yourself. Nobody has asked how you are doing.

Your own difficulties are legitimate, and so is getting help with them. We provide counselling for the spouses, partners, parents, children, siblings, and caregivers of someone injured in a motor vehicle accident. In Ontario you may be entitled to funded counselling of your own under the accident benefits claim, even though you were not in the vehicle. Almost nobody tells families this, so we will explain who qualifies, help open the claim, and complete the paperwork.

Ages 4+
Children, teens, and adults
Own Claim
Separate from the injured person’s
We File It
We complete the paperwork for you
What Families Carry

The Part Nobody Asks About

When one person is injured, everyone around them adjusts. That adjustment has a cost, and it is rarely acknowledged.

Spouses & Partners

You have become the driver, the nurse, the earner, and the person holding the household together, often all at once. The relationship you had has changed shape, and you may be grieving that quietly while telling everyone you are managing.

Partners frequently describe exhaustion, resentment they feel guilty about, anxiety about money, and a loss of intimacy. None of that means you are not coping well. It means you are carrying a great deal.

Counselling gives you somewhere to put all of it. We work on the exhaustion and the sleep first, then on the resentment and the guilt that usually sits underneath it, and on protecting something of your own life while you support someone else’s recovery.

Couples & Marital Counselling

Injury, pain, and financial strain put real pressure on a relationship. Roles change, intimacy changes, and resentment can build on both sides without either person intending it.

Couples counselling gives you both a place to say what has been difficult and to work out how to carry this together rather than separately.

Children & Teenagers

Children notice far more than adults assume. A parent who is in pain, irritable, frightened of driving, or absent at appointments changes a child’s world, and children rarely say so directly.

It shows up instead as difficulty at school, clinginess, sleep problems, stomach aches, anger, or a child becoming unusually responsible and quiet. We see children from age 4, and we work in a way that does not require a child to be interviewed about frightening events.

We use play-based and creative approaches for younger children and talk-based therapy for teenagers, working at their pace and keeping you informed about what would help at home. Learn more about child & teen therapy →

Parents & Caregivers

If your adult child was injured, you may have taken on care you had not expected, alongside your own health and work. If your child was injured, you may be managing your own guilt and fear while trying to appear steady for them.

Caregiver strain is a recognised clinical concern, not a character flaw. Support for it is legitimate care.

Counselling for caregivers focuses on the practical and the emotional together: managing your own health alongside the care you are giving, setting limits without guilt, and processing the fear that comes with watching someone you love struggle.

Witnesses & Passengers

You do not need to have been hurt to be traumatised. People who were in the vehicle without injury, who arrived at the scene, or who received the phone call often develop the same flashbacks, nightmares, and driving anxiety as the person who was injured.

Being physically unharmed is one of the most common reasons people never seek help. It is not a reason to go without it.

We assess and treat this properly, including measuring driving anxiety objectively with our Mental Health Driving Anxiety Assessment©, then treating it with graded exposure and trauma-focused therapy until driving is manageable again.

Access to Care

Funding & Eligibility

This is the part most families do not know, and the reason many go without support they were entitled to.

Funded through the accident benefits claim

Ontario’s auto insurance system recognises that a collision affects more than the injured person. Depending on the circumstances, family members may be able to access funded counselling through the accident benefits claim, even though they were not in the vehicle.

Eligibility depends on the relationship, the severity of the injury, and the terms of the policy. We will look at the specifics with you and tell you honestly whether it is likely to apply.

One note on timing. Ontario changed its accident benefits rules on 1 July 2026. Medical and rehabilitation funding, which is what pays for counselling, remains part of every policy, so the route to family counselling is unaffected. Some other benefits, including caregiver and housekeeping benefits, became optional coverages that have to be purchased, so it is worth checking what the policy includes.

We complete the paperwork

Family entitlement usually requires an assessment and a treatment plan submitted to the insurer. We prepare that documentation, submit it, and follow it up.

Your insurer has ten business days to respond to a funding request. Because we would rather not leave a family waiting, on a case-by-case basis we may begin sooner.

If the claim does not cover it

Where accident benefits do not apply, most extended health plans cover psychotherapy, psychology, social work, and dietitian services. Your employer’s employee assistance programme may also fund a block of sessions at no cost.

We also offer sliding-scale rates, and third-party financing through MediCard where cost is a genuine barrier. Tell us what is realistic and we will tell you what we can do.

A separate claim from the injured person’s

Family counselling does not draw down the injured person’s treatment funding, and it does not compete with their care.

It is also confidential. What a spouse or child discusses in their own sessions is not shared with other family members, or with anyone else, without written consent.

If the insurer says no

A refusal is not necessarily the end of it. Requests are often declined because the documentation did not set out clearly enough what the family member is experiencing and why the support is needed.

Where that happens, we prepare the assessment findings and clinical reasoning required to support a reconsideration, and we have had funding reinstated for families on that basis. We will also tell you honestly if we do not think a request is likely to succeed.

In Practice

How We Have Helped Families

The following are composite illustrations drawn from the kinds of situations we see. They are not accounts of individual clients and contain no identifying details.

A Spouse Holding It Together

A husband is injured in a rear-end collision and cannot work or drive. His wife takes on the driving, the appointments, the household, and the income, while managing two young children.

Six months on she is exhausted, sleeping badly, and quietly angry, and she has told nobody because her husband is the one who was hurt. Counselling is arranged under the accident benefits claim, and she is seen weekly at first, then monthly. The focus is on sleep, boundaries, and permitting herself help.

A Child Nobody Had Asked About

A mother sustains a serious injury and develops severe driving anxiety. Her nine-year-old son begins refusing to get into cars, wakes at night, and starts struggling at school.

Nobody has connected his difficulties to his mother’s accident. We assess him, open his own claim, and treat him with play-based and graded exposure work. His mother is treated in parallel by a different clinician, so neither is managing the other’s recovery.

A Passenger Who Was Not Hurt

Two colleagues are in a collision. One sustains a fracture, the other walks away physically unharmed but was driving and saw the impact.

A year later the uninjured driver has flashbacks and cannot drive on the highway, and has never sought help because he was not hurt. Assessment identifies PTSD and driving anxiety, measured objectively with our Mental Health Driving Anxiety Assessment©, and treatment follows a graded exposure course with re-measurement.

Children Supported Through a Parent’s Injury

A mother is struck while crossing the road. Her injuries prevent her from working, and she is no longer able to provide for her children as she had before, financially or practically.

We assess the children, open claims in their own right, and prepare the treatment plans and supporting documentation. Counselling is approved and funded, and so is a summer camp placement, so the children keep their own support and some ordinary childhood while their mother recovers. What can be funded varies from claim to claim, and part of our role is identifying the supports worth asking for in the first place.

Where a request like this is refused, we prepare the clinical documentation needed to support a reconsideration, and we have had funding reinstated on that basis.

Common Questions

What Families Ask

Does asking for help mean I am not coping?

No. Families who ask early tend to fare better, and so does the injured person. Support for the household is part of the recovery, not an admission about it.

Will my sessions be shared with my partner?

No. Each family member has their own file and their own clinician. Nothing is shared between family members, or with a lawyer or insurer, without your written consent.

My child does not want to talk about it. Can they still be seen?

Yes. Children are not required to describe frightening events in order to be helped. We work through play, activity, and gradual exposure, at the child’s pace.

We see children from age 4 in Grimsby and St. Catharines, from age 5 in Oakville, and from age 10 in Kitchener.

What if the accident was years ago?

You are still welcome. Families often only recognise the effect once the immediate crisis has passed. There is no time limit on contacting us, though funding options may differ, and we will explain what applies.

Can we be seen together?

Yes, where that is clinically appropriate. Family and couples sessions are available, as is individual work alongside them. We will discuss what is likely to help most.

Where can we be seen?

At any of our four clinics in Grimsby, Kitchener, Oakville, and St. Catharines, in your own home across the Greater Toronto Area and Southern Ontario, or online anywhere in the province.

Interpretation is available in over 300 languages at no additional cost.

Ask Us Whether Your Family Qualifies

Tell us what has happened and who is struggling. We will explain what funding may be available and what support would help, at no cost and with no obligation.

Related: Seeking therapy for yourself or a loved one · Counselling · Therapy groups · Insurance & funding

Ready When You Are

Weekday appointments 9 to 5:30, evenings and weekends by appointment — in clinic, at home, or online.

Book an Intake Call Submit a Referral