No-Fault Auto Insurance.
Not What it Seems.
Not what we need.
What is no-fault insurance?
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.
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.
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.
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
Please understand that insurance must continue to support those who are truly injured. We need your voice to support us. Please speak up on this issue.
I knew when I woke up and the feeling of fogginess, inability to focus, feeling unable to connect with what as going on around me, that I had another concussion. My first concussion had been four years earlier and I hadn’t fully recovered, but I was better in so many ways. I was finally starting to regain some of the abilities that I had lost, and now…
Life now, is hard. I spent years working on my career finding direction and discovering how to best apply my interests and talents. I finally discovered that I excelled at project management. I was organized and communicated well. I had a background in design and manufacturing controlled budgets of $56M, and now I can’t organize how to make simple phone calls to plan my medical appointments. I have lost abilities in concentration and three-dimensional thinking. I feel I no longer possess the skills that made me such a great project manager, and now I’m struggling to figure what I can I do.
I haven’t been back to work since my accident. I have been home with my children trying to get well enough to go back to work, or school, or something, but I can’t seem to keep up with the bad days. I can only remember one good day in the past four years. I’m so tired of trying to seem mostly ‘normal’ that simple frustrations set me off and I can’t claw back control my emotions. I feel like I’m missing out on my life, my children’s lives. I feel I have everything I could possibly ask for, but I lack the ability to enjoy it. Suffering multiple brain injuries has me left with a fatigue I can never get enough sleep for, an anxiety I can’t escape from, and an apathy to my own life. A concussion can be life-impacting. My life was impacted.
As a former insurance adjuster and with over a decade of experience working on motor vehicle accident bodily injury claims, I have long been well aware that thousands of Albertans each year are injured by careless motorists. With prompt and appropriate treatment, many recover within about 12 weeks in which case, quite frankly, compensation for pain and suffering in the $5,000.00 to $5,500.00 range is reasonable.
However, I am also well aware (now painfully so) that many other wrongfully injured Albertans suffer traumatic injuries in auto accidents that evolve into chronic pain conditions. I am one of those Albertans. Whether I eventually recover from these injuries or end up with permanent clinical impairment remains to be seen, but either way it’s common sense (and common law) that I deserve to be compensated for my pain by the negligent driver’s insurer at a figure well in excess of the minor injury cap, which was always intended only to apply to people suffering minor strains and sprains that healed relatively quickly, ie., within 90 days or so.
The whole point of insurance is that a community of millions (myself included) chips in some money in the form of premiums so that there is a pool of funds available to compensate the thousands of ordinary Albertans (me too, unfortunately) who are injured each year by negligent motorists. Apparently, insurance companies would rather continue to rake in premiums from consumers like me, but pocket that cash rather than having to fully compensate innocent injured Albertans for our pain and suffering — but that wouldn’t be fair, now would it?
Just ask Ontario, Michigan, or Colorado
Ever since the Alberta government announced it was giving no-fault auto insurance another look, FAIR Alberta has been flooded with messages, comments and emails from Albertans who are speaking their minds about the proposal.
Last December in the wake of skyrocketing insurance rates, the Alberta government said it was going to review the province’s auto insurance system to help find savings for consumers and stabilize rates.
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.