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.
According to the latest announcement from the Alberta government, the new proposed system won’t be implemented until January 2027.
No. If you currently have an open injury claim, it will not be affected by the proposed changes.
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.
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.
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