INSURANCE INDUSTRY MNP REPORT: ALBERTANS’ Rights are Too Expensive
A new report commissioned by the Insurance Bureau of Canada (IBC) makes one thing clear: the insurance industry sees your legal rights as an obstacle to their profits.
Prepared by accounting firm MNP, the report attempts to scare Albertans into giving up their right to sue in exchange for small reductions in auto insurance premiums under the UCP’s proposed Care First no-fault insurance scheme. The government promises average premiums will drop from $1,204 to $815 — but that number only works if injured drivers are completely blocked from accessing the courts.
Otherwise, those savings which the government has promised disappear entirely, and the Care First scheme will actually end up costing you more money than it already does. According to the MNP report, even allowing the very limited legal action which currently exists under the Care First proposal - such as allowing victims to sue where the at-fault driver was convicted of a criminal offence, such as drunk driving - will increase premiums by $52 to $218 per year. In other words, even the very minor and limited cutouts which currently exist under the Care First proposal will end up costing you more than you are currently paying now.
Even other basic rights — like suing to recover medical bills or lost income beyond policy limits — are viewed as threats to the insurer’s bottom line. And the math behind these projections? It's based on assumptions, guesswork, and fear — not hard data. The MNP report itself admits it’s based on speculative models and not real-world experience.
WHAT THIS REALLY MEANS:
The insurance lobby wants total control — without court oversight, legal accountability, or consequences for bad drivers.
Injured Albertans will be left with limited, fixed benefits, dictated by the very companies profiting from their pain.
IBC is pushing to strip away rights in exchange for questionable “savings” that may never materialize.
THE BOTTOM LINE: the Care First plan isn’t about care — it’s about corporate convenience. This report confirms what many Albertans already fear: the insurance industry wants to silence victims, dodge accountability, and boost profits. Don’t trade your rights for empty promises.
Read the full MNP report here: https://betterautoalberta.ca/wp-content/uploads/2025/06/Impacts-of-Tort-Access-on-Driver-Premiums-in-the-Care-First-Model.pdf