What is No-Fault?
“No-fault Insurance” means that if you are hurt or your vehicle is damaged in an accident, your own insurance company will pay for your losses, regardless of who caused the accident. Losses experienced by other people in the same accident will be covered by their insurance company. If you are a victim in an accident caused by someone else, you would not collect damages from them. If you caused an accident, the victims of that accident would not collect damages from you. A “no-fault” system also removes your right to sue for pain and suffering benefits if you experience an accident. Instead there is a benefits schedule for injuries from an auto accident — like a chart that puts a dollar amount to an injury. It’s basically a document that says, if you break your leg, you get X amount of dollars. This is the way insurance works in British Columbia and Saskatchewan.
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 “at-fault” and you have a right to sue the at-fault driver’s insurance company for a settlement.
What would this mean for us?
Say no to no fault
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