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 insurance professional for further assistance.
As of January 1, 2018
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: | Not applicable |
Medical payments: | Up to $50,000/person |
Funeral expense benefits: | $5,000 |
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 $5,080 |
Right to sue for economic loss in excess of no-fault benefits? | Yes |
Administration: | Private insurers |
Sources:
All online sources were accessed on January 1, 2018
The Alberta auto insurance system is continually evolving. Stay informed about insurance reforms.