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 insurance professional for further assistance. 


As of January 1, 2021

Mandatory 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?Effective January 1, 2022.
Medical payments: Up to $50,000/person.
Funeral expense benefits: $6,150.
Disability income benefits: 80% of gross weekly wages to maximum $600/week; up to 104 weeks for total disability; nothing payable for the first seven days of disability; non-earner benefit (unemployed person 18 years or older) $200/week, up to 104 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 $15,000; death of dependent relative, according to age, maximum $3,000; grief counselling up to $500 per family with respect to death of any one person.
Impairment benefits: Not applicable.
Right to sue for pain and suffering?Yes. If injury is deemed “minor” under provincial legislation, maximum award is $5,365.
Right to sue for economic loss in excess of no-fault benefits?Yes.
Administration:Private insurers.

 

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