Disproportionate pain and suffering awards for sprains and strains are making insurance unaffordable for everyone.

Regulations that governed awards for minor injuries ultimately impacted every driver. It was where the insurance system saw the largest drain on resources, and also where few consumers actually saw benefit. This money and resources used in this portion of the system does not go toward helping drivers recover.

In fact, since challenges to the Minor Injury Regulation in 2012, claims costs associated with bodily injury increased by nearly 8% per year, going from an average of $41,169 in 2011 to $74,258 in 2019. Over that time, insurers paid out considerably more in claims, expenses and premium taxes for every dollar they collected in premiums. As a result, Alberta drivers now pay the third highest premiums in Canada.