If you're injured in an accident — even if it’s 100% someone else’s fault — you lose the right to sue for pain and suffering, lost wages, or other long-term impacts. It doesn’t matter how reckless or negligent the other driver was; you’re left with whatever compensation the insurance company decides is “appropriate”, and no way to challenge or appeal that decision before an independent court.

Because no-fault removes the concept of legal responsibility, drivers who cause serious harm often walk away without being held to account. There’s no deterrent, no justice, and no closure for victims.

The only winners are the insurers. By removing lawsuits and restricting access to full compensation, they reduce payouts and boost profits — while injured Albertans are left navigating a rigid, one-size-fits-all system.

Insurance companies — not your doctor, not you — will decide what treatment you need and for how long. They determine what’s “reasonable” for your recovery, and even if you disagree or if your doctor says they’re wrong, you have no ability to retain a lawyer or challenge those findings in Court.

The longer you receive treatment, the more it costs the insurance company. Do you trust them to prioritize your wellbeing above their bottom line? We don’t.

Care First eliminates your right to sue for pain and suffering (called “general damages”), unless the at-fault driver is convicted of a criminal offence. Even then, it is the insurance company who will decide what - if anything - you should receive, based on a fixed schedule created behind closed doors by the insurers themselves. This system is designed for cost control over fairness and accountability, and prioritizes the insurer’s bottom line over your experience and your family’s suffering.

Care First removes your right to tell your story, be heard by a judge, and hold the person who hurt you accountable, even if you’re left with chronic pain, PTSD, or a life-altering disability.

If you're unable to work due to a car accident — whether for weeks, months, or the rest of your life — you will no longer have the right to sue for your full loss of income or future earning capacity. Even if the accident wasn’t your fault, Care First will cap what you can receive, regardless of your actual losses. That means a young worker with a promising career, a parent supporting a family, or a tradesperson unable to return to a physical job could be left with only a fraction of what they’ve actually lost - assuming the insurers agree to pay any benefits at all.

At best, you’ll be forced to accept whatever limited benefits the insurance system allows. At worst, you’ll be left injured, unable to work, and without any ability to sue for what you’ve lost.

If you're seriously injured in an accident, your road to recovery may involve years — or even a lifetime — of medical care, treatment, and therapy. But under Care First, you will no longer have the right to sue for the full cost of your future care needs. Instead, decisions about what treatment you receive, how long you receive it, and whether continued care “necessary” will be made by the insurance company; not your doctor, and not you.

Worse yet, when your insurer decides to cut off your treatment, you will have no right to challenge that decision before an independent court. The longer you receive treatment, the more it costs the insurance company. Do you trust them to prioritize your wellbeing above their bottom line? We don’t.