10/08/2026
Care-First represents one of the biggest changes to Alberta auto insurance in decades.
Starting January 1, 2027, the new system will focus on helping eligible Albertans recover after an automobile accident by providing access to medical treatment, rehabilitation, income replacement, permanent impairment benefits, and additional support for those with serious injuries.
One of the most significant changes is how injury claims will be handled. Rather than resolving many injury claims through litigation, the Care-First model is designed to deliver benefits and treatment directly through the insurance system. While the right to sue for injuries will be limited in most situations, certain exceptions will remain.
What does that mean for drivers? What benefits will be available? How will claims work under the new system?
We'll be answering those questions and more throughout this series, breaking down the changes in clear, easy-to-understand terms.
Insurance is changing. We're here to help you understand what comes next.
Learn more: https://www.alberta.ca/care-first-auto-insurance