Should Alberta Switch to a 'Care-First' Auto Insurance System?

Official title: Auto insurance engagement

Closed Policy & Studies Finance & Consumer Transportation
Alberta asked residents what they want from auto insurance reform. The government heard from Albertans about five core principles: affordability, stability, simplicity, care-focused coverage, and driver accountability. Based on this feedback, Alberta plans to launch a new 'Care-First' insurance system in January 2027.

Why This Matters

Drive a car in Alberta? Your insurance rates and coverage are about to change. If you've been in a collision, the new system promises faster access to medical care and rehab. Bad drivers would still pay more, but everyone could see different premiums starting 2027.

What Could Change

Starting January 2027, Alberta would switch to a 'Care-First' auto insurance model. Injured drivers would get improved medical, rehabilitation, and income support benefits. At-fault drivers would still face higher premiums. Insurance would remain privately delivered with consumer choice of insurers.

Key Issues

  • How can auto insurance be made more affordable for Albertans?
  • What medical and rehabilitation benefits should injured drivers receive?
  • How should at-fault drivers be held accountable through premiums?
  • Should the insurance system prioritize simplicity and ease of understanding?

What Happened

Albertans provided input through an online survey between April 26 and June 26, 2024. Based on the feedback received, Alberta's government announced plans to implement a 'Care-First' auto insurance system starting January 1, 2027. The new system will focus on improved medical, rehabilitation, and income support benefits while maintaining driver accountability through premium adjustments.