July 2026 Orders in Council: The Complete Regulatory Package

In late July 2026, a regional automobile insurer headquartered in Red Deer, Alberta, received notice of 15 Orders in Council transforming the province's automobile insurance framework. The orders introduce a care-first model under the new Automobile Insurance Act, with most substantive changes tied to the Act's section 2 proclamation expected January 1, 2027. The insurer must now prepare for a no-fault system replacing its existing tort-based claims handling.

The regulatory package includes a 100-page permanent impairment regulation, new benefit and income replacement frameworks, and an independent tribunal for claimant appeals with 60-day decision timelines. Immediate changes to agent licensing, council governance, and fee structures are already in force, while existing regulations governing minor injuries and diagnostic protocols will wind down over 2 years post-proclamation.