WHAT YOU NEED TO KNOW
WHAT WE KNOW
TAKE ACTION
FAQs
WHAT YOU NEED TO KNOW
WHAT WE KNOW
TAKE ACTION
FAQs
NO-FAULT
AUTO INSURANCEIN ALBERTA
WHAT DOES THIS MEAN FOR ALBERTANS?
The Alberta government has announced plans
to introduce a no-fault auto insurance system called “Care-First” insurance.
Less coverage.
Fewer rights.
Lower compensation.
What you need to know
With the proposed system, if you’re in a car accident, your own insurance will cover your medical expenses and losses — no matter who’s at fault.
But there’s a BIG DOWNSIDE:
You won’t be able to sue the at-fault party for compensation in most cases. LEARN MORE
Many injured Albertans risk losing their right to compensation for pain and suffering. LEARN MORE
What we know so far
- The government is moving toward a private no-fault model called the “Care-First” system.
- If this no-fault system is passed, insurance companies — not the courts — will decide the care and benefits you receive.
- No changes will take effect until January 2027. If you are injured in an accident before that date, you will have up to two years from the date of your accident to file a claim.
What can you do?
Your voice matters! The people of Alberta still have the opportunity to share their concerns and influence this decision. Here’s how you can make an impact:
CONTACT YOUR MLA
Let your MLA know your concerns about no-fault auto insurance. Tell them to stand up for injured Albertans and say no to no-fault.
NOT SURE WHO YOUR MLA IS?
NOT SURE WHAT TO SAY?
SIGN PETITION TO END NO-FAULT INSURANCE
IN THE NEWS
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- Global News: “A retired firefighter who suffered significant injuries after being hit by a car while cycling says due to the Insurance Corporation of British Columbia’s (ICBC) no-fault insurance system, he’s not getting the care he needs.” Read the full article.
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- The Calgary Sun: “Alarm bells should be going off for everybody about this,” said Jackie Halpern, spokesperson for FAIR Alberta, adding it’s more reason to not switch to the province’s proposed no-fault auto insurance system.” Read the full article.
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- MSN: “Don’t change the present auto-insurance system. Bringing in a no-fault auto insurance system will not save Albertans money, it will not reduce premiums.” Read the full article.
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- The Calgary Herald: “It’s more reason to not switch to the province’s proposed no-fault auto insurance system.” Read the full article.
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- CTV News: “The fact that insurers have been caught and fined for overcharging Albertans should set off alarm bells – yet this is the same industry that will now be given even more control under a no-fault insurance regime.” Read the full article.
- Edmonton Journal: “Under a no-fault scheme (most recently implemented by B.C.’s NDP government), the rights of victims and the responsibilities of blameworthy drivers are eliminated.” Read the full article.
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- CTV News: “In this and recent hearings, individuals who have suffered brain injuries have alleged that although the system includes examinations by medical professionals and an independent system of arbitration, the system is slanted in a manner that makes it virtually impossible for them to receive the treatment and compensation to which they are entitled” Read the full article.
- CTV News: “In this and recent hearings, individuals who have suffered brain injuries have alleged that although the system includes examinations by medical professionals and an independent system of arbitration, the system is slanted in a manner that makes it virtually impossible for them to receive the treatment and compensation to which they are entitled” Read the full article.
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FAQs
What is the “Care-First” insurance system?
The Alberta government is planning to implement a private no-fault insurance model, they are referring to it as a “Care-First” system. With a no-fault insurance system, your own insurance company covers your medical expenses and other losses after a car accident, regardless of who was at fault. But this also means in most cases you cannot sue the at-fault party for pain and suffering caused by a car accident, and in many cases no compensation for pain and suffering will be available at all. Insurance companies will decide what compensation, benefits, and treatment you’ll get.
When will the changes take effect?
According to the latest announcement from the Alberta government, the new proposed system won’t be implemented until January 2027.
Will my current injury claim be impacted by these changes?
No. If you currently have an open injury claim, it will not be affected by the proposed changes.
Will I still be able to file an injury claim if I’m injured before January 2027?
Yes. If you are injured before the January 2027 changes take effect, you will have up to two years from the date of your accident to file an injury claim.
Is there anything I can do to change this?
There are still opportunities for public feedback. If you have concerns about the province’s shift to a Care-First insurance system, we encourage you to contact your local MLA to ensure your voice is heard on this matter. Tell them to say no to no-fault.
HAVE QUESTIONS ABOUT INJURY CLAIMS?
The Litco Law team is here to help. Call 587-705-0363 for free legal answers today.
If you’ve been injured in an accident, get the compensation you deserve while you still can, visit LitcoLaw.com
Together,
we can ensure injured Albertans
get the care and justice they deserve.