No-Fault means No Fairness

It doesn’t only happen to others.

Each year 27,000 Albertans are victims of aggressive driving. If you are one of those, you already know how awful and unfair a no-fault insurance system is. If you are not, you should care about those who are because one day, and you could be one of them.

What does no-fault mean?

What would happen to Albertans if they get in a severe car crash

Imagine that you are severely injured. A “no-fault” system removes your right to sue for pain and suffering compensation. Instead, there is a cookie-cutter benefits schedule for injuries, which puts a fixed dollar amount to your injury. The insurance has a whole set of rules and limits on how much therapy, how many visits you are entitled to. You would then go through your insurance max-out quickly, then your savings, then pretty much everything you have. 

Insurance companies make their money when claims costs (the cost of your injury compensation – your benefits) are kept low. In a “no-fault” system, your insurance company decides where you fit on that benefits schedule; they call all the shots. They don’t have to listen to you, your doctor, or the courts. What they say goes.

But if my premiums are lower, it’s worth it, no?

A lot of people seem dazzled by the fact that insurance rates might come down, even though the insurance companies are already hedging on that idea.

When, in the past, has any promise by insurance companies to lower rates proved to be a long-term truth? The tangible benefits of no-fault to the insurance industry are clear; the ones to the Alberta consumers are still foggy. There’s a reason for that.

A society should be judged by how it treats its most vulnerable citizens. The 27,000 car crash victims in this province who need help walking, eating or even going to the bathroom should get a voice in this. Many of them are begging and pleading to keep the system that gave them a second chance at life.

What you can do


Contact your local representative

Let your voice be heard. Send a letter to your MLA and the Minister of Finance.


Share your Story

We want to know your accident story. Were you able to secure fair compensation? What happened? How do you feel about the potential loss of protections if Albertans can no longer sue at-fault drivers?


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Injured Albertans Speak Out

About FAIR Alberta Injury Regulations

FAIR Alberta is a coalition of concerned consumers, medical professionals, injured Albertans, and members of the legal community who are committed to protecting the rights of individuals that have been injured in motor vehicle accidents.