No-Fault Insurance: A Bad Deal for Albertans
The Alberta government is pushing a no-fault auto insurance system, giving more power to insurers while stripping away your right to sue for fair compensation. Instead of holding insurers accountable for years of overcharging and delaying claims, the government is rewarding them with total control over injury claims.
But here’s what they aren’t telling you.
The Reality of No-Fault Insurance
What No-Fault Means for You
- No right to sue and no compensation for pain and suffering in almost all cases with extremely limited exceptions.
- Insurance companies, not courts, decide what care you get.
- Compensation is reduced, leaving victims struggling with long-term injuries.
- Insurer-hired doctors determine if you're really injured and what treatment you deserve.
- Your premiums might drop temporarily, but history shows they’ll go back up.
It’s a dream for insurers, a nightmare for Albertans.
The Insurers’ Track Record – Can We Trust Them?
Alberta Insurers Have Been Caught Overcharging You
Between 2022 and 2024, insurers were fined over $3.1 million for overcharging customers. Since 2016, that number jumps to $6.4 million. Violations included:
- Failing to apply proper discounts that drivers were entitled to.
- Adding ineligible surcharges, inflating what you pay.
- "Programming errors" conveniently charging higher premiums.
Instead of fixing this broken system, the Alberta government is handing these same companies even more power over your claim.
The BC Disaster – A Warning for Alberta
The Alberta government claims this system will help victims. But BC already tried it, and here’s what happened:
- Victims received less compensation for their injuries.
- Claims took longer to resolve despite promises of a faster system.
- Consumers lost their legal rights, leaving them powerless against insurers.
Alberta is following the same failing model, except here, private insurers—not a government insurer—will profit off your suffering.
A Public Option Would Save You More
The government had a better choice—but ignored it.
📢 A public insurance option was studied and found to offer:
- Lower premiums than no-fault.
- The right to sue, so victims don’t get shortchanged.
- More fairness and transparency, not backroom deals favoring insurers.
But instead of protecting Albertans, the government chose to protect insurer profits.
Public Outrage – A Wake-Up Call
Public frustration with insurers has reached a breaking point. The industry’s tactics—”Deny, Delay, Defend”—have led to deep resentment, with some even hailing extreme actions against insurers as justified.
- We should be alarmed that anger against insurers has grown this intense.
- Instead of handing insurers more power, we need real accountability.
What You Can Do – Take Action Now
Albertans need to fight back!
📢 A public insurance option was studied and found to offer:
- Call your MLA – Tell them to reject no-fault and stand up for your rights.
- Spread the word – Share this page and educate others before it’s too late.
- Share your story – If you’ve been mistreated by an insurer, let people know!
No-fault is a gift to insurers, not to Albertans. Let’s stop it before it’s too late.
Join Thousands of Albertans Against No-Fault Insurance
Sign the petition today to show the Alberta government that we won’t stand by as our rights are stripped away.
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👉 Your rights are at stake. Don’t let the government take them away.