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Alberta Mandatory Coverage


Alberta Mandatory Coverage

​​​​​​​​​​​​​​Owners of motor vehicles in Alberta must obtain coverage that meets the mandatory regulations.  In the province, $200,000 in third-party liability coverage is mandatory. Additional coverage can be purchased from your insurer.​


​The chart below provides a summary of mandatory coverages required by the Alberta government. Please refer to the list of sources for more details.

This information is for educational purposes only. Consult a qualified ins​urance professional for further assistance. ​

As of January 1, 2017

​​Compulsory minimum third-party

liability:​

​$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000

​Direct Compensation Property Damage (DCPD) Required:

​No

​Medical payments:​

​Up to $50,000/person​

​Funeral expense benefits:​

​$5,020

​Disability income benefits:​

​80% of gross weekly wages to maximum $400/week; up to 104 weeks for total disability; nothing is payable for the first seven days of disability; non-earner benefit (unemployed person 18 years or older) $135/week, for up to 26 weeks​

Death benefits:​

​Death of head of household $10,000, plus 20% ($2,000) for each dependent survivor after first, plus additional $15,000 for first survivor and $4,000 for each remaining survivor; death of spouse/adult interdependent partner of head of household $10,000; death of dependent relative, according to age, maximum $3,000; grief counselling up to $400 per family with respect to death of any one person​

Impairment benefits: 

​N/A

Right to sue for pain and suffering?

​Yes. If injury is deemed “minor” under provincial legislation, maximum award is $4,956

Right to sue for economic loss in excess of no-fault benefits?

​Yes

​Administration:

​​​Private insurers

 

Sources:

All online sources were accessed on April 1, 2017

The Alberta auto insurance system is continually evolving. Stay informed about insurance reforms.​ ​