No-Fault Auto Insurance.

Not What it Seems.

Not what we need.

What is no-fault insurance?

“No-fault insurance” means that if you are hurt or your vehicle is damaged in an accident, your own insurance company pays for your losses, regardless of who caused the accident. If you are a victim in an accident caused by a careless or bad driver, you do not collect damages from them.
A “no-fault” system also removes your right to sue for pain and suffering if you are injured in an accident. Instead there is a benefits schedule for injuries — referred to as a “meat chart” in the insurance industry, that puts a dollar amount to your injuries. It’s basically a document that says, if you break your leg, you get X amount of dollars, if you lose an eye, you get Y.
This is not the way auto insurance in Alberta currently works. Instead, we have an “at-fault” or “tort” system. Under the current Alberta system, damages are paid for by the insurance company of the person deemed to be “at-fault” and you have a right to sue the at-fault driver’s insurance company for a settlement. This means bad drivers pay for the damage they cause.

What's happening?

The Government of Alberta is reviewing Alberta’s auto insurance system. One idea the government is considering – pushed hard by the insurance industry – is the “no-fault” auto insurance system. Albertans need affordable insurance, accountability for drivers and insurance companies, and consumer protections to ensure the system is fair. No-fault is none of that.

No-Fault means no accountability

Under a private no-fault system, you have no right to challenge an insurance company’s decisions in court. You can’t sue an insurance company for damages related to an accident. Whatever an insurance company says, goes. They don’t have to listen to you, your doctor, or even the courts.

No-Fault means no savings

Experience in the US and other provinces shows no-fault insurance costs consumers more. A no-fault system in Alberta won’t save consumers money or deliver affordable premiums. Insurers simply take costs savings from reduced payouts to Albertans victimized in accidents as new profit.

No-Fault means no fairness

When someone is injured in an accident, they deserve to have their rights protected, and to hold bad drivers and insurance companies accountable. No-fault insurance systems are biased against consumers because they eliminate our protections to have insurance company decisions challenged in court.

What you can do


Contact your local representative

Let your voice be heard. Send a letter to your MLA and the Minister of Finance.


Share your Story

We want to know your accident story. Were you able to secure fair compensation? What happened? How do you feel about the potential loss of protections if Albertans can no longer sue at-fault drivers?


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Injured Albertans Speak Out


About FAIR Alberta Injury Regulations

FAIR Alberta is a coalition of concerned consumers, medical professionals, injured Albertans, and members of the legal community who are committed to protecting the rights of individuals that have been injured in motor vehicle accidents.