Alberta’s advisory committee on insurance reform has recommended that the province change its auto insurance system to a no-fault system. No-fault auto insurance is common in jurisdictions where government plays a larger role in people’s lives such as British Columbia and Saskatchewan. This system is inconsistent with the values of personal responsibility, self-determination, and fairness that Albertans hold dear.
Experience in the U.S. and other provinces has also shown that no-fault doesn’t reduce premiums but leads to higher costs and fewer protections and civil rights for Albertans. A no-fault insurance means that if you’re hurt or your vehicle is damaged in an accident, your own insurance company will pay for some of your losses, no matter who caused the accident. Continue reading