Do I Still Need a Lawyer Under Alberta’s No-Fault Insurance System?

Yes. Even though Alberta’s new no-fault auto insurance system (effective January 1, 2027) will reduce the ability to sue after an accident, having a lawyer can still make a significant difference in protecting your rights and maximizing the benefits you receive.

Why Lawyers Are Needed Under the Current System

• Before 2027, Alberta operates under a tort-based model.
• Lawyers help victims:
  • Sue the at-fault driver for pain and suffering, income loss, and other damages.
  • Negotiate with insurers to secure full settlements.
  • Represent clients in court when insurers refuse to pay fairly.

This role will change under no-fault — but it won’t disappear.

How Lawyers Can Help Under No-Fault (After 2027)

Even without most lawsuits, lawyers will continue to assist by:

• Challenging Denied Benefits
  • If your insurer refuses medical treatment, rehabilitation funding, or wage replacement, a lawyer can dispute that decision.
  • Representation before tribunals or arbitration panels ensures your case is properly presented.
• Maximizing Benefits
  • Insurers may not always explain the full range of benefits available.
  • A lawyer can make sure you access all compensation you’re entitled to, including catastrophic injury benefits.
• Handling Insurer Misconduct
  • In rare cases of bad faith conduct (e.g., insurers deliberately mistreating claimants), court action may still be possible.
  • Lawyers ensure accountability in these exceptional situations.
• Advising During the Transition
  • Between now and December 31, 2026, lawyers can ensure accident victims file claims under the current, more generous system.
  • This window is critical for people injured before the switch.

Why Legal Advice Still Matters

• No-fault does not eliminate conflict — it just changes the rules.
• Disputes over medical care, benefit limits, and income replacement will still arise.
• A lawyer gives you the best chance of receiving fair treatment in a system that otherwise limits your rights.