Better. Faster.
More Affordable.
Care-First auto insurance is coming January 2027.
What's New
What is Care-First auto insurance?
In November 2024, the Alberta government announced reforms to the province’s auto insurance system. The Care-First system is intended to provide better and faster care to drivers involved in auto collisions and reduce legal costs to make auto insurance more affordable.
Why is a new auto insurance system needed?
Albertans deserve affordable auto insurance they can count on. Today, that is not the case. Albertans injured in collisions do not get the timely medical care and income support they need, and litigation drives up costs for everyone. With a system that emphasizes care over courts, people involved in collisions should receive faster, better care, and recover costs more quickly.
What do the changes mean for you?
Simpler auto insurance. Simplifying the claims process and removing excessive legal costs from the system makes auto insurance more affordable for drivers.
Better and faster care. The new Care-First system will provide improved medical, rehabilitation and income support benefits for all Albertans injured in a collision and lifetime treatment for catastrophic injuries.
Albertans can still sue at-fault drivers. Drivers will still be able to sue at-fault drivers convicted of a criminal offence, like negligence or driving under the influence.
What’s Next
The legislative and regulatory details of Care-First will be critical to its success.
Alberta’s auto insurers continue to work with the government to help ensure the new Care-First system delivers what it promises: faster, better care to drivers, with lower legal costs and more affordable insurance.
Insights
Better Auto Alberta is the trusted source of information for auto insurance reforms. Its goal is to provide Albertans with clear, accessible updates and insights on the new Care-First system and what it means for them.