In this blog, we summarize the pertinent aspects of the Alberta Automobile Insurance Act, which is the law governing Alberta’s Care-first Insurance system, and provide brief commentary on each area that is highlighted. It should be noted that the Automobile Insurance Act is merely a framework statute. The details of the law will be further spelt out in regulations that we expect will be released later in 2025.
Watchmaker Law is an Edmonton, Alberta based law firm that is led by one of Canada’s Top 25 Most Influential Lawyers, David Sowemimo. He has handled several complex personal injury cases that cut across both no-fault and tort jurisdictions. Our legal team has spent time combing through the new law, Alberta’s Automobile Insurance Act so that you do not have to. We have reviewed the law page by page and compiled this blog to give you a summary of some of the key features of the law.
Note that the Care-first automobile insurance model does not take effect until January 01, 2027. Personal injury claims arising from motor vehicle accidents that occur before January 01, 2027, are not covered by Automobile Insurance Act and the Care-first insurance system. So, if you get injured in a motor vehicle accident in Alberta before January 01, 2027, call our office to discuss the specifics or your case and how our legal team can assist you.
What is the Background of the Automobile Insurance Act (Alberta)?
The Alberta Automobile Insurance Act received legislative approval (Royal Assent) on May 15, 2025. The statute provides the framework that will usher in the overhaul of the automobile insurance system in Alberta. The law is the enabling statute for the Care-first model which is intended to shift the focus away from the traditional lawsuit (tort) model to a system that prioritizes care and the provision of medical benefits. The Care-first Model is a form of no-fault insurance system in Alberta.
How will Insurance Companies Prioritize care?
To get a good glimpse into how the government intends to legislate the mindset shift, one need not look further than Section 55 of the Automobile Insurance Act. This Section of the Act stipulates that an insurance company shall inform, assist and ensure that a claimant receive the compensation to which the claimant is entitled to. This will be in stark contrast to the current adversarial system. It remains to be seen how effectively this will be implemented. The insurance companies are now tasked with the role of informing claimants about the compensation that is available to them, reasonably assist the claimant with making the claim for compensation and then endeavour to ensure that the claimant receives the compensation to which a claimant is entitled to. If implemented appropriately and with dedication, this could reduce wait times and give claimants their benefits in a timely manner.
How is Alberta’s Care-first (No-fault) Insurance system different from other no-fault models?
What sets this Care-first model apart from the other no-fault model in North American is the fact that the medical and care benefits will be administered by private insurance companies. In many other jurisdictions that have variations of the no-fault model, a Crown corporation is typically responsible for administering the medical benefits portion of the system. Another feature of the Care-first model that sets it apart from the other no-fault models is the fact that individuals who sustain personal injuries after a motor vehicle accident in Alberta after the no-fault insurance system comes into effect on January 01, 2027 will still be able to sue in certain limited situations such as where the at-fault party is convicted of specified offences in the Criminal Code, Traffic safety and Youth Criminal Justice Act.
In addition, individuals with personal injuries from motor vehicle accidents in Alberta will still be able to sue third-party entities such as automobile manufacturers; makers and suppliers of automobile parts; persons engaged in the selling of automobiles; garage services operators; holders of a liquor license; social hosts; municipality that has direction, control and management of a road where an accident occurred.
In this blog post, we review the different sections of the Automobile Insurance Act (Alberta) to assist you in understanding the upcoming Care-first Model. There are six distinct parts to this legislation.
What is in Part 1 of the Automobile Insurance Act?
Part 1 of the Automobile Insurance Act deals with critical legal technicalities across three sections. Section 1 deals with Definitions; Section 2 deals with Application of the law and Section 3 deals with non-application of the law. While these sections may seem like technicalities, they carry a very critical significance for the law. It is not unusual for lawyers to litigate definitions and applicability and non-applicability of a piece of legislations sometimes all the way to the Supreme Court of Canada. So, Part 1 of this legislation is not simply a technical portion of the law but a crucial portion of the law. The Definition section provides clarification for 24 definitions. These definitions are intended to prevent confusion and ambiguity in the interpretation of the subsequent sections of the Automobile Insurance Act. The definitions are a crucial interpretation tool.
What accidents do the Alberta Automobile Care-first insurance system apply to?
Section 2 of the Automobile Insurance Act makes it abundantly obvious that the new law and the Care-first insurance scheme only applies to an accident that occurs to motor vehicle accidents that occur after January 01, 2027. To remove all doubt as to the applicability of the law, Section 3 of the act then goes on to further clarify that the law does not apply to bodily injury or death caused while an automobile is not in motion or to other prescribed circumstances, prescribed automobiles or prescribed injury or death.
What does the word “prescribed” mean and why is it used so many times in the Alberta Automobile Insurance Act?
You may have noticed that the word “prescribed” appears and will appear in several more sections of the act below. The use of the word “prescribed” simply indicates that the government will be enacting several regulations to further clarify the direction of the Act. So, the Act itself is merely a framework, a shell, so to speak that will be used to house several regulations that will govern the direction of the Act.
What Benefits will the Alberta Automobile Insurance system apply to?
Part 2 of the Automobile Insurance Act deal the “Benefits and Expenses”. It is the longest and clearest indication of the bulk of what the Automobile Insurance Act and the Care-first Act has to offer. Part 2 of the new law is so long, it is divided into 11 divisions that deal with several areas of the applicability of the new law. Division 1 (General) confirms that, generally speaking, no tort actions or proceedings are allowed under the new no-fault system. So, it is essentially saying that no lawsuit can be started or maintained in a court of law in Alberta. This is typical feature of the no-fault system.
However, in Section 5 of the Automobile Insurance Act, the law then goes ahead to confirm that an insurance company must pay benefits and “compensation” regardless of who is at fault for a motor vehicle collision in Alberta. This is intended to be a trade-off for giving up on the rights to sue which appears in Section 4 of the Automobile Insurance Act. Further subsections of Section 5 confirm the individuals who qualify for compensation under the Act.
Can you purchase additional excess coverage under the new Alberta Care-first Insurance system?
Interestingly, Section 6 of the Automobile Insurance Act confirms that an insurance company may offer optional coverage over and above the basic benefits provided under the Alberta Care-first automobile Insurance system. The only caveat is that the insurance company that offers the additional optional coverage must also offer the basic coverage that the Automobile Insurance Act mandates that insurance company must offer. This section attempts to prevent a tiered system where well-heeled Albertans simply purchase the more generous option instead of the basic coverage available to everyday folks. So, yes, one can buy additional coverage in excess but not instead of the basic mandatory coverage that the insurance company must provide under the Alberta Care-first scheme.
The rest of Division 1 of Part 1 deals with out-of-province rights of subrogation and what happens in situations where the accident occurs outside Alberta, the insured is a resident of Alberta.
What is Considered “Reasonable and Necessary” When it comes to reimbursement of medical and health expenses?
Division 2 of the Part 1 of the Automobile Insurance Act deals with reimbursement of health care benefits, related expenses. What stands out in these sections that deal with reimbursement of health care, transportation, lodging and rehabilitation expenses is the reliance on the terms “Reasonable and Necessary”. Specifically, and subject to the regulations that will still be released later in 2025, the insurance companies are responsible to cover health-related expenses in relation to a motor vehicle accident that occur in Alberta when the health-related expenses are reasonable and necessary to the recovery and medical care of the insured. Section 9 (3) even confirms that an insurance company is in the first instance, responsible for the payment or reimbursement of an expense unless the insured party is entitled to payment or reimbursement of the expense under the Alberta Health Care Insurance Act or any other Act.
This section aims to avoid confusion as to the application of the Automobile Insurance Act and the public health coverage. The public health coverage continues to apply to persons who sustain injuries in motor vehicle accident.
In addition to health care related expenses, an insured is also entitled to receive reimbursement for daily living assistance expenses and expenses for care of the other person. Notably, Section 17 notes that the entitlement of an insured to all these expenses and reimbursements are all subject to “the prescribed maximum amount and the prescribed terms, conditions, restrictions and exclusions”. These exclusions will be spelt out in regulations that are yet to be released at the time this article is being written.
Under Care-first Automobile Insurance system will claimants be entitled to income replacement benefits?
Division 3 of part 2 of the Automobile Insurance Act deals with Income Replacement and other monetary benefits that insureds will be entitled to after a motor vehicle accident in Alberta. The income replacement and other monetary benefit will cover “Full-time earners”, “temporary and “part-time” earners and “non-earners” at different degrees. Again, subject to further regulations that will be released later on, a Full-time earner will be entitled to compensation if the full-time earner is not able to continue full time employment; unable to continue any other employment that they held together with the full-time employment or if the full-time earner is deprived of a benefit they would otherwise be entitled to under the Employment Insurance Act (Canada).
Can I be paid more than I earn if it is determined that my income does not fully reflect my actual earning at the time of the accident?
Section 19 of the Automobile Insurance Act is an interesting provision that will sure create a number of disputes before the Alberta Care-first Tribunal. The section prescribes that “Subject to the regulations, if an insurer reasonably determines that a full-time earner entitled to an income replacement […] would have held, but for special circumstances, more remunerative employment at the time of the accident then the full-time earner actually held, the full-time earner is entitled to receive an income replacement benefit […] determined on the basis of that more remunerative employment. [Emphasis added].
Section 19 listed above is a clear intent that the Legislature is attempting to prioritize care over litigation. If this section is carried out as intended, then when calculating income replacement, the insurance company involved should see if the income on paper does not reflect the income the insured should be getting for the purpose of calculating the income replacement portion of the compensation. Again, a lot of the details will be included in the regulations when they are released.
As expected, the wording of the section creates certain requirements (tests) that have to be met for this “More Remunerative Employment” section to be engaged. first, the insurance company has to reasonably determine, second, the determination has to be based on a “special circumstance”. These two requirements would be based on a legal assessment and third, the “more remunerative employment must be full time employment that is commensurate with the training, experience and abilities of the full-time earner immediately right before the motor vehicle accident. Time will tell how this section of the Act is applied.
This Part also stipulates the legal entitlement benefits for loss of studies and also employment opportunity that is lost due to the injury to a student and lost opportunity to qualify for employment insurance. There are also benefits for students who are unable to hold employment while going to school or who are unable to go and secure employment after the completion of their studies. Section 27 extends the loss of studies benefit to minors who are unable to commence or continue their studies due to the accident.
This Part goes on to stipulate benefits payable to caregiver, seniors and retirement income benefits to retirees. The last section (Section 35) of Division 3 of the Automobile Insurance Act places the responsibility of making the determination of an insured’s entitlement to benefits on the insurance company- they must make the determination and also calculate and determine the type and amount of benefits payable to the injured party.
How is permanent Impairment Benefits determined under the Care-first System?
Division 4 of the Act provides stipulations regarding permanent impairment benefit under the Alberta Automobile Insurance Act. An insured will be entitled to permanent impairment if he or she sustains a permanent impairment as a direct result of a motor vehicle accident.
Section 37 of the Automobile Insurance Act has stipulations that deal how to determine the entitlement to permanent impairment benefits after an accident in Alberta. Section 37 (1) notes that if the insured dies before the 89th day following the accident, for causes unrelated to the accident, then the permanent impairment is not payable.
Interesting and correctly, Section 37(2) of the Automobile Insurance Act notes that if the insurance company has already paid permanent impairment benefits to the insured and the insured then subsequently passes away due to causes related to the accident, the insurance company is not entitled to recover the permanent impairment payment back.
Furthermore, if an insured dies of a cause unrelated to the accident, the insurance company must still calculate the permanent impairment that individual is entitled to and pay the amount payable to the estate of the insured. Ultimately, when it comes to the calculation of the permanent impairment benefit under the Care-first automobile insurance system, the insurance company will make entitlement determinations based on “prescribed terms, conditions, restrictions and exclusions.
What are Death Benefits under the Care-first automobile insurance system and how are they assessed?
Division 5 of the Alberta Automobile Insurance Act deals with Death Benefits and Related expenses. Spouse, adult interdependent partner of a deceased is entitled to death benefit from the insurance company, but these benefits are also subject to the regulations as most stipulations in this statute. A dependent would also be entitled to death benefits. If on the date that the insured dies, they had no spouse or adult interdependent but has a dependent child, the child would be entitled to both the death benefits payable to the dependent child and the benefits that would have been payable to the spouse. If the deceased in this situation has more than one child, the spousal benefits are then divided up among the children.
In addition to the Death Benefits described above, the individuals in a prescribed class of relationship with the deceased will also be entitled to reasonable expenses in relation to the death including expenses incurred for grief counselling are also recoverable from the insurance company.
Section 45 (1) confirms that when it comes to the determination of entitlement to death benefit, payment and reimbursement, the insurance company is responsible for making the determination for a person’s entitlement to such death benefit under the Division in accordance with the prescribed terms conditions, restriction and exclusions and when it comes to the calculation of the death benefits as regards what a person is entitled to.
Under what conditions would benefits be denied, reduced, suspended or terminated under the Care-first model?
Under Division 6 of the Automobile Insurance Act, we start to see some exclusionary terms. Section 46 is clear that if an insured cannot hold employment before the accident, then they are not entitled to income loss replacement after the accident, regardless of the stipulations in Division 3 that spells out Income Replacement & Other Monetary Benefits.
Section 47 of the Automobile Insurance Act spells out specific situations benefits may be reduced, suspended, terminated or situations where the insurance company can outright refuse to pay compensation or benefits. In situations where their insured willfully caused the accident or in situation where the insured willfully caused their own personal injuries. In addition, the Act specifies that subject to the regulations, the insurance company can further refuse to pay or reduce benefits as the case may be, if the insured is convicted of one or more Criminal Code offences or Traffic Safety Act that are spelled out in the regulations. In addition, in situations where the insured knowingly provides false or inaccurate information to the insured that is material to the benefit being claimed. Or in the situation where the insured fails to comply with the prescribed requirements. There will also be other situations that may lead to denials, refusal or benefits or reduction of benefits.
When it comes to non-catastrophic injuries, Section 49 (1) stipulates that an insured ceases to be entitled to income replacement benefit when the insured is able to return to employment that they held at the time of the accident or employment referred to in Section 19 of this act which is employment that they could have held but for the accident. In addition, when it comes non-catastrophic cases, the benefit ceases 5 years after the date on which the insured’s entitlement to receive the income replacement benefit began, or in situation where the insured reaches the age of 65 years old, which ever situation is earlier.
Interestingly, if the insured losses his or her job when they finally regain their ability to return to work, Section 49 (2) (b) stipulates that they are entitled to continue to receive disability benefits, presumably until they are able to return to employment. In addition, disability benefits will be payable to individuals who suffer relapse as a result of the bodily injury sustained in the accident within a prescribed period they will be laid out in the regulations as well.
In situations where the insured is able to hold employment at a lower rate than they earned before the accident, then the income replacement benefit must be reduced in accordance with the regulations.
When it comes to End-of Loss-of Studies benefit, an insured is no longer entitled to a loss of studies benefit when the student is able to return to their studies or at the date that was scheduled, at the time of the accident, for the completion of that program of studies.
How do I go about making claims under the Care-first Act?
Division 7 of the Automobile Insurance Act stipulates the rules around making claims under the act. Section 54 stipulates that the claim was be made in accordance with the prescribed claims application process and it must include the prescribed information and documentation, and it must be submitted within the prescribed period. More importantly, a claimant shall provide any information, and any authorization necessary for the insurer to obtain information needed to assess the claim being advanced.
How does the Automobile Insurance Act expect the insurance companies to handle claims and claimants under the new Care-first insurance system?
With great power comes great responsibility, Section 55 of the Act stipulates that the insurance company must reasonably assist a claimant with making a claim for compensation. The insurance company must also ensure that a claimant receives the compensation to which the claimant is entitled to. The Insurance company must also ensure that the claimant is informed about the compensation available under the act. This is a critical part of the Automobile Insurance Act. It will require a significant mind and orientation shift away from the adversarial approach to administering benefits to care-based system where the insurance company is expected to do everything to inform, assist and aide claimants in their attempt to make their claims for compensation under the act.
This is critical section of the Act when one considers the fact that regular Albertans may not know what their entitlements are under the Care-first system. After motor vehicle accidents that happen after January 01, 2027, injured Albertans would have to rely on insurance adjusters to assist them in determining what they are entitled. The adjusters would have to be well-trained and gone through an orientation change from the adversarial system to a more care-focused system.
Under the Care-first model, how would the insurance company obtain employment information from a claimant’s employer or former employer?
Section 56 of the Automobile Insurance Act empowers the insurance company to obtain the employment information of the claimant required to determine the income replacement benefit entitlement of the insured. The employer must provide employment information to the insurance company as soon as practicable. The employer is expected to provide the statement of the claimant’s earnings while the claimant was employed by the employer or former employer and any other prescribed information that relates to the claimant’s employment. Section 56 (2) notes that if the employer does not provide the proof of claimant’s earnings within 6 calendar days after the request is made, the insurer shall consider the claim based on the information provided by the claimant and that is acceptable to the insurance company.
Section 56 (3) gives the insurance company the option of applying to court to obtain the employee’s information through a court order in the event that the employer refuses or fails to produce the claimant’s information. An application for the claimant’s employment information may be made ex-parte or without notice. It is not clear whether the claimant can made the application. The section states that the insurer may make the application, and this appears in line with the spirit of the Act which expects the insurance company to assist the claimant in making an application.
Under the Care-first system, can the insurance company require a claimant to attend medical examinations?
Section 57 states that the insurance company may require a claimant to undergo a medical examination in accordance with regulations that may be released later this year. The insurance company is responsible for paying for the medical examination. The medical practitioner that conducts the examination must make a report to the insurer on the nature and extent of the claimant’s bodily injury and other matters reasonably requested by the insurer. In addition to the medical examination report, health practitioners that treat the claimant must provide reports of their treatments, diagnoses and so on to the insurance company.
Pursuant to Section 60, the claimant must notify the insurance company of any change in the claimant’s circumstances that affects or might affect the claimant’s entitlement under this part or the amount payable to the claimant under this part.
Under the Care-first model, can a claimant get interest payment over and above unpaid benefits that the claimant is reasonably entitled to?
Under Section 64, where an insurer fails to pay compensation that the claimant is reasonably entitled to, the insurance company must pay interest on the overdue amount of the compensation payable at the prescribed rate in the prescribed manner. So, in situations where the insurance company fails to pay compensation that the claimant is entitled to, then the claimant appeals the insurance company’s decision, the insurance company must pay interest on the overdue amount. This will act as a deterrent to the insurance company to further pay amounts as they become due.
Under the Care-first system, can claimants get a lump-sum payout of the benefits that they are entitled to?
Section 65 deals with alternative financial arrangements. The Section states that subject to the regulations and other subsections of this Section, the insurance company shall not make a lump sum payment or enter into an alternative financial arrangement with an insured in lieu of paying compensation to which an insured is entitled to. However, Section 65 (3) of the Automobile Insurance Act stipulates that if the insurance company and the claimant agree, then the insurer may enter into a prescribed financial arrangement with an insured in lieu of paying an income replacement benefit or retirement income benefit in accordance with the amounts, manner and frequency of payment prescribed under the act. Section 65 (5) is clear that the financial arrangement is not a global release. A financial arrangement does not release an insurance company from the obligation to pay compensation under this part of the act that is not subject to the financial arrangement entered between the insurer and the insured and that the insured remains entitled to receive.
Under the Care-first insurance system in Alberta, can I review or appeal a decision by an insurance company about my benefits and entitlement?
Division 9 of the Automobile Insurance Act deals with decisions and reviews by insurance company. Notice of the decision of the insurance company in respect to claim under this part must be provided to the claimant in writing as soon as practicable. Further, the written notice must include reasons for the decision and must also provide the claimant with information about their right to apply for a review of the decision by the insurance company or provide the claimant with their right to appeal the decision to the Care-first Tribunal.
The insurance company may also vary their initial decision if they determine that either an error has been made or new information surfaces that the insurance company determines that affects the insurance company’s decision in respect to a claim. The insurance company must notify the claimant of any reconsideration in writing as well.
After receiving the written notice of an insurance company’s decision, the claimant has 60 days to apply for a review of the insurance company’s decision. 60 days from the date that the claimant receives the decision. After receiving the application to review, the insurance company must review the decision within the prescribed time and then they may confirm, rescind or vary the insurer’s prior decision. After completing their review, the insurance company must also provide the review decision in writing as well and it must include the reasons for the decision and the notice of the right of the claimant to appeal the decision to the Tribunal. It is important to note that while the review is ongoing, the insurance company must continue to pay the benefits of the claimant in prescribed circumstances.
Under the Care-first insurance system in Alberta, can an insurance company go after a claimant for refund if the claimant has been overpaid?
The insurance company is entitled to recover payments that were made to the claimant that they are not entitled to. There are circumstances where the insurance company would not be entitled to recover over payment. Those situations will be spelt out in the regulations as well. The Automobile Insurance Act stipulates that the insurance company must commence an action to recover an overpayment within 2 years of the date that the amount is paid to or on behalf of the claimant or within 2 years of when the overpayment is discovered due to fraud. In cases of overpayment, the insurance company is also entitled to set off any overpayment against amounts that are still outstanding or that the claimant is still entitled to, regardless of the claimant’s application for review under reconsideration or appeal with the Care-first Tribunal.
How does the Care-first Insurance system affect a claimant’s benefit under Worker Compensation Act?
Section 78 stipulates that when it comes to Worker’s Compensation Board (WCB) benefits, the automobile insurance companies are not liable to pay compensation to a person under this act if that person is entitled to compensation under WCB. So WCB benefits continue to be paid. So, persons injured in motor vehicle accidents when they are in the course of employment will continue to see their benefits from WCB as per usual. This is the current system even before the implementation of the Care-first system. A good example of this would be if someone who is in the course of employment gets into a motor vehicle accident, the WCB will pay their benefits as stipulated in the WCB Act.
In situations where the claimant has forfeited their rights to claim under the WCB Act, this section of the Automobile Insurance Act will still apply, they may still be unable to claim under the Automobile Insurance for benefits that they are entitled to get from WCB. In situations where the claimant is involved with WCB and has a subsequent motor vehicle accident and there is a dispute as to the claimant’s entitlement to benefits, both the WCB and the insurance company can present a joint determination. The claimant may choose to either appeal the decision under the WCB appeals process or the automobile Care-first system.
Under the Care-first insurance system in Alberta, can you still sue for your injuries and what can you sue for?
Part 3 of the Automobile Insurance Act is peculiar and will garner a lot of attention when the Care-first system is fully operational. The Part of the Act indicates that a person who sustained bodily injury as a right of action and may sue or commence an action in respect to bodily injury against someone who has whose use and operation caused the bodily injury and results in the person’s conviction under the Criminal Code, Traffic Safety Act for specific acts. In addition, the claimant may also sue automobile manufacturers, automobile suppliers, a person engaged in the selling of automobiles, garage services operator, social host, a municipality and other prescribed third party.
The action described in this section can only be for pain and suffering and punitive or exemplary damages. The pain and suffering portion (General damages) may be further reduced due by the amount already paid out for permanent impairment. According to Section 81 (1) of the Automobile Insurance Act, injured persons can still sue for economic losses more than the maximum amounts already paid out or that the person is entitled to under the benefits portion of the Automobile Insurance Act. These benefits may include, income replacement benefits, costs of health care services, equipment, medication, supplies, travel expenses, daily living assistance expense, money to hire assistance, all in excess of what has been paid by the insurance company under the no-fault benefit system.
Under the system that existed before the Care-first system, if 2 or more persons are deemed to be at fault, they could be held responsible for the whole loss or damages. However, under the Care-first automobile system, the law is clear that the at fault party will only be held at fault for only the proportion to the degree in which they are respectively at fault. The law also clarifies that anyone who would have been vicariously liable is no longer liable. This extends further protections to employers who would have been at fault but for the Automobile Insurance Act.
How will disputes be resolved under the Care-first system (Alberta)?
Part 4 of the Automobile Insurance Act establishes the Alberta Automobile Care-first Tribunal. The tribunal will hear appeals from disputes between insurance companies and their customers. The Automobile Insurance Act grants the Tribunal extensive powers to adjudicate disputes between the insurance company and their customers. They have powers over their own process, procedures and giving notice etc. The Tribunal will have a Chair, Vice Chairs and members who will get involved in the adjudication of disputes that come up under the administration of the Care-first system. The members of the Alberta Automobile Care-first Tribunal will be appointed by the Minister. Decision of the Tribunal will be final; however, the decision or order may be reviewed by way of a judicial review in court. The deadline to file the application for judicial review will be 30 days after the decision is handed down.
Concluding sections on general administration.
The final part of the Automobile Insurance Act sheds light on general administration of the Act and clarifies the powers of the Minister, Superintendent of Insurance to take actions that will facilitate the administration of the act and the processes. Notably, Section 101 (1) of the Automobile Insurance Act sets out all the areas where the Lieutenant Governor in Council can make regulations. The Automobile Insurance Act merely sets out the framework that will form the system for the implementation of the law through regulations.
The Alberta Automobile Insurance Act received Royal Assent on May 15, 2025 and is the regulations could be released later in 2025. The law should be fully operational on January 01, 2027. The law is one of the most ambitious overhauls of the insurance system that Alberta has ever gone through.
If you have sustained injuries in a motor vehicle accident or slip and fall accident, our lawyers are available 24/7 to review the facts of your specific case and provide information to you on the options available to you, including assistance with your Accident Benefits claim. Our legal team can be reached at 825-203-9801 or through the live chat on our website.
This article is intended for informational purposes only. Nothing in this article is not intended as legal advice. For legal advice specific to your situation, contact a lawyer.
