When you’re injured in a car accident in Ontario, the insurance provider has the right to request an assessment from a provider they have selected; these are called insurer examinations, and I used to do a lot of them. Typically, I was asked to see people who didn’t seem to be progressing fast enough, two years after the accident. Most had some combination of both physical injuries and psychological issues, including depression, anxiety, trauma, and pain disorders.
http://centralontariopsych.ca/