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ARTICLE · 11 NOVEMBER 2025

Alberta Introduces No Fault Auto Insurance Regime

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On November 21, 2024, Alberta's provincial government announced forthcoming legislation to establish a predominantly "no fault" scheme of auto insurance in the province.

CanadaInsurance
Gordon Becher
Gordon Becher
Tawnie Snow
Tawnie Snow

On November 21, 2024, Alberta's provincial government announced forthcoming legislation toestablisha predominantly "no fault" scheme of auto insurance in the province. The announcement follows months of speculation about potential changes to the province's auto insurance market, due to escalating claims expenses and resultant policy premium increases.On October 8, 2025, the provincial government released the following four draft regulations under theproposed Automobile Insurance Act:

  1. Benefits, Treatment and CareRegulation;
  2. Permanent Impairment Regulation;
  3. Income Replacement and Monetary Benefits Regulation; and
  4. Exclusions and Tort Bar Exceptions Regulation.

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