Last fall, the Alberta government promised drivers an enticing bargain: give up your right to sue reckless drivers and challenge insurance companies in court, and you’d save $400 a year on premiums. The no-fault model branded as Care First was pitched as a win-win.

But here’s the truth: those savings will never come. Even the government and insurance industry lobbyists now admit it. If rolled out in 2027, Care First will not lower your insurance bill. It will, however, strip away your legal rights and shrink your coverage.

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The Insurance Bureau of Canada pitched the government on no-fault to eliminate “sky-high legal costs” and deliver cheaper insurance. Lawsuits, they said, were the problem.

Now, as policy details emerge, those same lobbyists are scrambling. They’re

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