A better auto insurance system for Albertans
In comparison to other care-based models, Alberta’s new system stands out across several headline metrics that matter to those injured in collisions. Key advantages include:
- Higher income replacement ceilings than all other care-based provinces.
- More generous benefit ceilings across most accident-benefit categories.
- More flexible access to benefits, with fewer pre-approvals and authorizations required.
- Right to sue for pain and suffering/non-pecuniary damages not limited to only Criminal Code convictions, but also select Traffic Safety Act offences and administrative penalties.
| Benefit | AB | SK | MB | BC |
|---|---|---|---|---|
| Medical Benefits | Unlimited until maximum recovery | Capped | Unlimited until maximum recovery | Capped |
| Income Replacement | 90% of income up to $125,000 with options top-up | 90% of income up to $114,000 | 90% of income up to $120,000 | 90% of income up to $119,000 |
| Lump Sum Cash Settlements for Catastrophic Injuries | $298,520 | $298,510 | $298,520 | $307,461 |
| Ability to Sue | Criminal Code & Traffic Safety Act offences; out-of-pocket expenses | Only for select Criminal Code offences | No | Only for select Criminal Code offences |
Swipe to see more of the table below
| Benefit | AB | SK | MB | BC |
|---|---|---|---|---|
| Medical Benefits | Unlimited until maximum recovery | Capped | Unlimited until maximum recovery | Capped |
| Income Replacement | 90% of income up to $125,000 with options top-up | 90% of income up to $114,000 | 90% of income up to $120,000 | 90% of income up to $119,000 |
| Lump Sum Cash Settlements for Catastrophic Injuries | $298,520 | $298,510 | $298,520 | $307,461 |
| Ability to Sue | Criminal Code & Traffic Safety Act offences; out-of-pocket expenses | Only for select Criminal Code offences | No | Only for select Criminal Code offences |