Alberta's July 2026 Orders in Council establish the regulatory framework for transitioning automobile insurers from tort-based claims to the care-first no-fault model effective January 1, 2027.
Faculty of Insurance
July 2026 Orders in Council: The Complete Regulatory Package
What this course covers
Scenario
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.
More in this program
Related reading
Rate this course
Complete the course to share your rating and feedback.
Comments & questions
Share a thought or ask a question about this course. No account needed.
Any word on what, if anything happens to the SEF 44?
The Orders don't directly address SEF 44 or most existing endorsement forms, and the new care-first framework doesn't include a tort option that would require the old family protection structure. Whether insurers will continue to offer an optional tort coverage endorsement—or something analogous—under the new Act isn't specified in the published regulations. That's a product design and underwriting question each insurer will resolve as it builds out its January 2027 offerings, likely informed by any final guidance from the regulator or the Superintendent.