The Reality Of No-Fault Insurance

Alberta’s changing auto insurance system could affect who controls your treatment, what compensation may be available, and when you can pursue legal action after a collision. Know what these changes could mean for your rights.

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No-Fault Insurance: A Bad Deal For Albertans

What No-Fault Means For You

01
The Insurers’ Track Record — Can We Trust Them?
Alberta Insurers Have Been Caught Overcharging You
Between 2022 and 2024, insurers were fined over $3.1 million for overcharging customers. Since 2016, that number jumps to $6.4 million. Violations included:
Failing to apply proper discounts that drivers were entitled to.
Adding ineligible surcharges, inflating what you pay.
“Programming errors” conveniently charging higher premiums.
Instead of fixing this broken system, the Alberta government is handing these same companies even more power over your claim.
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02
The BC Disaster — A Warning For Alberta
The Alberta government claims this system will help victims. But BC already tried it, and here’s what happened:
Victims received less compensation for their injuries.
Claims took longer to resolve despite promises of a faster system.
Consumers lost their legal rights, leaving them powerless against insurers.
Alberta is following the same failing model, except here, private insurers—not a government insurer—will profit off your suffering.
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03
A Public Option Would Save You More
The Government Had A Better Choice—But Ignored It.
A public insurance option was studied and found to offer:
Lower premiums than no-fault.
The right to sue, so victims don’t get shortchanged.
More fairness and transparency, not backroom deals favoring insurers.
But instead of protecting Albertans, the government chose to protect insurer profits.
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04
Public Outrage — A Wake-Up Call
Public frustration with insurers has reached a breaking point. The industry’s tactics—“Deny, Delay, Defend”—have led to deep resentment, with some even hailing extreme actions against insurers as justified.
We should be alarmed that anger against insurers has grown this intense.
Instead of handing insurers more power, we need real accountability.
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What You Can Do Take Action Now

Albertans Need To Fight Back!

No-fault is a gift to insurers, not to Albertans. Let’s stop it before it’s too late.

Call Your MLA

Tell them to reject no-fault and stand up for your rights.

Spread The Word

Share this page and educate others before it’s too late.

Share Your Story

If you’ve been mistreated by an insurer, let people know!

Stay Informed

Your rights are at stake. Don’t let the government take them away.

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of Albertans Against No- Fault Insurance

Sign the petition today to show the Alberta government that we won’t stand by as our rights are stripped away. Or scan the QR code below with your phone to sign the petition instantly.

Stand Against No-Fault

A Dream For Insurers

For Insurers
Greater control over injury claims
Insurer-selected medical assessments
Fewer claims proceeding through court
For Albertans
Reduced access to legal action
Less compensation for serious injuries
Limited control over treatment decisions

FAQ

WHAT IS NO-FAULT INSURANCE?
Under a no-fault system, accident benefits are provided through an insurance framework regardless of who caused the collision. The concern is that injured Albertans may have less access to the courts while insurers gain more control over treatment, benefits, and compensation.
WILL I STILL BE ABLE TO SUE AFTER A CAR ACCIDENT?
Your ability to sue may be significantly restricted, subject to the final legislation and any limited exceptions. This could reduce access to compensation for pain and suffering and prevent many injured people from pursuing a claim through the courts.
WHO DECIDES WHAT TREATMENT AND BENEFITS I RECEIVE?
Insurance companies may have greater authority over which treatments are approved, how long benefits continue, and whether an injury qualifies for compensation. Decisions may also rely on assessments completed by medical professionals retained by the insurer.
COULD NO-FAULT INSURANCE REDUCE MY COMPENSATION?
It could. A no-fault model may replace court-based claims with structured benefits and limit compensation for pain and suffering. The benefits available would depend on the rules, coverage limits, medical evidence, and exceptions that apply to the claim.

Still Have Questions?

Get clear answers about Alberta’s changing auto insurance system and how it may affect your rights after a collision.

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