The Alberta government is proposing major changes to the province’s auto insurance system to improve medical and financial support for people injured in vehicle collisions.
If passed, the Automobile Insurance Act would give Alberta drivers better access to health care, rehabilitation, and daily living assistance. The new system, called Care-First, would focus on helping injured Albertans avoid legal battles.
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“Care-First is a term we use intentionally, because Albertans who are injured in a collision truly need their care and well-being to come first,” said Nate Horner, president of Treasury Board and Minister of Finance.
“Our goal is to build a stronger auto insurance system to better protect Albertans and their pocketbook.”
Under the proposed system, Albertans unable to work or attend school due to their injuries could qualify for income support and retirement benefits. Those permanently injured could receive a permanent impairment benefit. Families of Albertans who die in a collision would receive a death benefit.
Dr. Jacqueline Boyd, chair of the Chiropractic Association of Alberta, said the changes will improve access to chiropractic and team-based care.
“Chiropractors play a crucial role in helping accident victims recover and restore their quality of life,” she said. “In Alberta, the new system will ensure those needing care after a collision receive immediate, high-quality chiropractic services and team-based care.”
The proposed legislation would also reduce costly legal disputes. Albertans could only sue if the at-fault driver is convicted of a serious offence under the Criminal Code or Traffic Safety Act. They could also sue for out-of-pocket expenses beyond what their insurance covers.
Additionally, the government says limiting lawsuits will cut legal costs and lower insurance rates over time.
To resolve insurance disputes, an independent Alberta Automobile Care-First Tribunal would be created, giving Albertans a way to appeal decisions about their benefits.
As the legislation moves forward, the government will consult with health care and insurance representatives. This fall could see additional regulations added.
The Care-First system will begin Jan. 1, 2027 as long as it stays on schedule.
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