Alberta's Bill 47: Transitioning To No-Fault Auto Insurance

Bill 47, which upon proclamation, will become the Automobile Insurance Act (the "Act"), was introduced in the First Session of Alberta's 31st Legislature in 2025. The Bill proposes a major overhaul of the province's automobile-insurance framework by replacing the current fault-based model with a "care-first" or no-fault approach. The intent is to streamline compensation for accident-related injuries, limit litigation, and create a consistent benefit structure across the province. The Government first announced its intention to move to a no-fault system in November 2024, and Bill 47 passed third reading in May 2025. While the proposal has drawn attention from insurers, motorists, and the legal community, it remains before the Legislature and has not yet come into force.