What Does Alberta SEF 44 Family Protection Cover?
Alberta SEF 44 covers eligible bodily-injury or death claims against inadequately insured motorists, including qualifying uninsured motorists.
Alberta’s AB-S.E.F. No. 44 Family Protection Endorsement protects eligible claimants when a person is legally entitled to recover compensatory damages for bodily injury or death from an inadequately insured motorist and the applicable recovery falls within the endorsement. The current standard form has been effective since March 1, 2023. It is broader than a simple “underinsured-driver top-up”: its definition of an inadequately insured motorist also includes an uninsured automobile and an unidentified automobile. The SEF 44 insuring agreement is directed at compensatory damages arising from bodily injury or death sustained by an insured person through the use or operation of an automobile.
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