Minimum Required Auto
Insurance Coverage in Alberta
As of January 19, 2011
|
ALBERTA |
| 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
|
| Medical payments: |
$50,000/person; including rehabilitation, excluding health insurance and other medical plans; chiropractic maximum $750; massage therapy $250; acupuncture $250; all limits are per person, per accident; limit is two years |
| Funeral expense benefits: |
$5,000 |
| Disability income benefits: |
80% gross weekly wages up to maximum $400/week; 104 weeks total disability; nothing is payable for the first 7 days of disability; non-earner benefit (unemployed person 18 years or older) $135/week, for maximum of 26 weeks |
| Death benefits: |
Death anytime; death of head of household $10,000, plus 20% ($2,000) to each dependent survivor after first; plus survivor spouse/partner or dependent relative gets $15,000 for the first survivor and $4,000 for each remaining survivor; death of spouse/partner $10,000; death of dependent relative according to age, maximum $3,000 |
| Impairment benefits: |
N/A |
| Right to sue for pain and suffering? |
Yes. Maximum amount recoverable as damages for the non-pecuniary loss for all minor personal injuries $ 4,559 (“minor” means sprains, strains and Whiplash Associated Disorder – WAD I and II) |
| Right to sue for economic loss in excess of no-fault benefits? |
Yes |
| Administration: |
Private insurers |
| Notes: |
Alberta residents involved in accidents in Quebec can receive from their own insurer the equivalent to the benefits available to Quebec residents from the Société de l'assurance automobile du Québec. Similar arrangements are in place for accidents involving Alberta residents in Saskatchewan and Manitoba. |
Sources
All online sources were accessed on January 1, 2011
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