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Insurance legislation in Alberta
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Alberta Accident Fault Rules
Alberta Regulation 132/2021Insurance Act Direct Compensation for Property Damage Regulation
Citation Visit Regulation Territorial extent Alberta Enacted by Legislative Assembly of Alberta Enacted June 17, 2021 Regulate car accident fault in the province of Alberta. car accident, accident fault Status: In force
The Alberta Fault Determination Rules (commonly known as the Fault Rules or FDR ) is a regulation under the Alberta Insurance Act to determine driver responsibility after a car accident in Alberta. Drivers can be 0%, 25%, 50%, 75%, or 100% at fault.
These rules apply to car accidents in Alberta. Car accidents outside of Alberta are judged using the legislation of the province, territory, or state where it occurred.
Determination of Degree of Fault [ edit ] The fault rules have some basic conditions which state that insurers have to use these rules when determining fault, They also specify that conditions like weather and visibility cannot be taken into consideration, and that the location of damage on the vehicle is not evidence of fault.
Rule
Section
The insurer shall determine the degree of fault in accordance with this Regulation.
2.1[ 1]
Fault is determined without considering the circumstances in which the accident occurs, including weather conditions, visibility or the actions of pedestrians.
2a[ 2]
The location of damage on any vehicle or it's load is not evidence of fault.
2b[ 3]
When Multiple Fault Rules Apply [ edit ] Section 3 is to be used when more than one fault rule applies:
Rule
Section
Where more than one rule applies, whichever rule attributes the least fault to the insured is used.
3.1[ 4]
In an accident with 2 vehicles, if one rule would make an insured at fault, while another would make them not at fault, the insured is 50% at fault for the accident.
3.2[ 5]
If No Fault Rule Applies [ edit ] In the rare case that no fault rule applies, then section 4 is to be used:
Rule
Section
If the type of accident is not described by any of these rules, fault will be determined by the ordinary rules of law, i.e. case law.
4a[ 6]
If there isn't enough information to determine fault, then fault will be determined by case law.
4b[ 7]
The below sections outline the fault rules. They are organized by sections describing where the vehicles are relative to each other.
Rule
Section
Section 5 applies when automobile A is struck from the rear by automobile B while both vehicles are travelling in the same direction and in the same lane.
5.1[ 8]
Rule
A
B
Section
Whether automobile A is stopped or is in forward motion
0%
100%
5.2[ 9]
Rule
A
B
Section
If automobile A is rear-ended while turning to enter a side road or private road or driveway.
0%
100%
5.3[ 10]
Rule
A
B
Section
If automobile A is rear-ended while entering a parking place on either side of a highway in forward motion.
0%
100%
5.4[ 11]
Rule
Section
This section applies to accidents where both vehicles are travelling the same direction in adjacent lanes and neither automobile is overtaking or passing the other.
6.1[ 12]
Rule
A
B
Section
If neither automobile is changing lanes when the accident occurs, and both are over or on the centre line.
50%
50%
6.2[ 13]
Rule
A
B
Section
If the location of the vehicles when the accident occured cannot be determined.
50%
50%
6.3[ 14]
Rule
A
B
Section
If automobile B is changing lanes when the accident occurs.
0%
100%
6.4[ 15]
Rule
Section
This section applies to accidents where one automobile is overtaking or passing the other while travelling the same direction in adjacent lanes.
7.1[ 16]
Rule
A
B
Section
If A is turning left at an intersection and B is overtaking or passing A.
0%
100%
7.2[ 17]
Rule
A
B
Section
If A is turning left to enter a parking place, private road, or driveway and B is overtaking or passing A.
75%
25%
7.3[ 18]
Rule
A
B
Section
If A is turning left to enter a parking place, private road, or driveway and B is overtaking or passing one or more vehicles stopped behind A.
0%
100%
7.4[ 19]
Sideswipes - Opposite Directions [ edit ]
Rule
Section
This section applies to vehicles travelling in opposite directions and adjacent lanes.
8.1[ 20]
Rule
A
B
Section
If neither automobile is changing lanes when the accident occurs and both are on or over the centre line.
50%
50%
8.2[ 21]
Rule
A
B
Section
If the location of the vehicles at the time of the accident cannot be determined.
50%
50%
8.3[ 22]
Rule
A
B
Section
If only automobile B is over the centre line when the accident occurs.
0%
100%
8.4[ 23]
Rule
A
B
Section
If automobile B turns left into the path of automobile A.
0%
100%
8.5[ 24]
Rule
A
B
Section
If automobile B is entering the highway from a parking place, private road, or driveway and automobile A is overtaking or passing another vehicle.
0%
100%
8.6[ 25]
Rule
Section
This section applies to accidents occuring when automobile A is on the highway and automobile B enters the highway from a parking place, private road, or driveway.
9.1[ 26]
Rule
A
B
Section
If automobile B is entering the highway from a parking place and automobile A is travelling past the parking place on the highway
0%
100%
9.2[ 27]
Rule
A
B
Section
If the accident occurs when automobile B is entering the highway from a private road or driveway, and automobile A is travelling past the private road or driveway on the highway and there are no traffic signs at the intersection of the highway and the private road or driveway,
0%
100%
9.3[ 28]
Entering a Controlled Highway [ edit ]
Rule
A
B
Section
If an accident occurs when automobile A is travelling on a controlled highway and automobile B is entering the controlled highway from an entrance lane,
0%
100%
10[ 29]
Chain reaction - Multi Car Rear End [ edit ]
Rule
Section
This section applies to chain reaction accidents.
11.1[ 30]
Fault for the collision between each two vehicles involved in a chain reaction must be determined without reference to any other accidents in the chain reaction.
11.2[ 31]
Rule
A
B
C
Section
If all involved automobiles are travelling on a highway and in forward motion when the accident occurs.
n/a
n/a
n/a
11.3[ 32]
In the collision between A and B
0%
0%
n/a
11.3a[ 33]
In the collision between B and C
n/a
0%
100%
11.3b[ 34]
Rule
A
B
C
Section
If all involved automobiles except automobile C are stopped when the accident occurs.
n/a
n/a
n/a
11.4[ 35]
In the collision between A and B
0%
0%
n/a
11.4a[ 36]
In the collision between B and C
n/a
0%
100%
11.4b[ 37]
Rule
Section
This sections applies to pile-ups.
12.1[ 38]
Rule
A
B
Section
For each collision between two vehicles involved in the pile-up, each automobile is 50% at fault
50%
50%
12.2[ 39]
Intersections without traffic controls [ edit ]
Rule
Section
This sections applies to accidents occurring in intersections without traffic signals or signs.
13.1[ 40]
Rule
A
B
Section
If automobile A enters the intersection before automobile B.
0%
100%
13.2[ 41]
Rule
A
B
Section
If both automobiles enter the intersection at the same time and automobile A is located to the right of automobile B.
0%
100%
13.3[ 42]
Rule
A
B
Section
If it cannot be determined which automobile entered the intersection first.
50%
50%
13.4[ 43]
Intersections with traffic signs [ edit ]
Rule
Section
This sections applies to accidents occurring in intersections with traffic signs.
14.1[ 44]
Rule
A
B
Section
If automobile B fails to obey a traffic sign.
0%
100%
14.2[ 45]
Rule
A
B
Section
If both automobiles fail to obey a traffic sign.
50%
50%
14.3[ 46]
Rule
A
B
Section
If it cannot be determined whether either or both automobiles failed to obey a stop sign.
50%
50%
14.4[ 47]
Rule
A
B
Section
If the accident occurs when automobile A stops first at an all-way stop intersection.
0%
100%
14.5[ 48]
Rule
A
B
Section
If both automobiles arrive at an intersection with an all-way stop at the same time, and automobile A is to the right of automobile B.
0%
100%
14.6[ 49]
Rule
A
B
Section
If it cannot be determined whether automobile A or B arrived at an intersection with an all-way stop sign first.
50%
50%
14.7[ 50]
Intersections with traffic control signals [ edit ]
Rule
Section
This sections applies to accidents occurring in intersections with traffic signals.
15.1[ 51]
Rule
A
B
Section
If automobile B fails to obey a traffic signal.
0%
100%
15.2[ 52]
Rule
A
B
Section
If it cannot be determined whether automobile A or B failed to obey a traffic signal.
50%
50%
15.3[ 53]
Rule
A
B
Section
If the traffic control signals are inoperative or malfunctioning, the degree of fault is determined by treating the intersection as if it is an all-way stop (see section 14).
n/a
n/a
15.4[ 54]
Rule
A
B
Section
This sections applies to accidents occurirng in parking lots.
n/a
n/a
16.1[ 55]
The degree of fault in accidents occuring on a thoroughfare are determined using these regulations as if the thoroughfare was a highway.
n/a
n/a
16.2[ 56]
Rule
A
B
Section
If automobile B is leaving a feeder lane, and doesn't yield to automobile A, who is on a thoroughfare.
0%
100%
16.3[ 57]
Rule
A
B
Section
If automobile B is leaving a parking space and doesn't yield to automobile A, who is on a thoroughfare or feeder lane.
0%
100%
16.4[ 58]
Rule
Section
If the accident occurs in the intersection of a parking lot...
16.5[ 59]
...with a traffic sign, the fault is determined by section 14
16.5a[ 60]
...without a traffic sign, the fault is determined by section 13 if it cannot be determined whether the roads are thoroughfares or feeder lanes.
16.5b[ 61]
Rule
A
B
Section
If automobile B collides with automobile A while vehicle A is parked.
0%
100%
17.1[ 62]
Rule
A
B
Section
If vehicle A is illegally parked, stopped, or standing outside of a city when the accident occurs.
100%
0%
17.2[ 63]
Failing to obey sign or direction [ edit ]
Rule
A
B
Section
If automobile B fails to obey a direction given by a peace officer or sign prohibiting entry, overtaking, passing, or turning.
0%
100%
18[ 64]
Backing up or making U-turns [ edit ]
Rule
A
B
Section
If automobile B is backing up or making a u-turn.
0%
100%
19[ 65]
Rule
A
B
Section
If the accident occurs when the driver or passenger of vehicle B opens the door of the vehicle or leaves the door open in a way that is unsafe or constitutes a hazard to traffic.
0%
100%
20.1[ 66]
Rule
A
B
Section
If the driver or passenger of vehicle B opens the vehicle door or leaves the door open in a way that is reasonably safe and doesn't constitute a hazard to moving traffic.
100%
0%
20.2[ 67]
Rule
Section
The degree of fault must be determined by the ordinary rules of law and not according to these rules if...
21.1[ 68]
...driver A is charged with a driving offence referred to in section 20.2 and...
21.1a[ 69]
... the driver of vehicle B would have been whole or partly at fault if fault was determined by these rules.
21.1b[ 70]
Rule
Section
One or more of the following occurring as a result of an accident constitutes being charged with a driving offense:
21.2[ 71]
A driver is charged with driving while being impaired due to drugs and/or alcohol.
21.2a[ 72]
A driver is charged with having concentrations of alcohol and/or drugs equal to or exceeding the legal limit within 2 hours of ceasing to operate a vehicle.
21.2b[ 73]
A driver is charged with a indictable offence under the Criminal Code of Canada relating to operating a vehicle.
21.2c[ 74]
A driver is charged with failing or refusing to give a breath sample or sample of a bodily substance.
21.2d[ 75]
A driver is charged with speeding by 31 km/hour or more.
21.2e[ 76]
A driver is charged with failing or refusing to perform physical coordination tests or submit an evaluation.
21.2f[ 77]
If a driver is issued a notice of administrative penalty under section 88.1 of the Traffic Safety Act .
21.2g[ 78]
^ FDR 2.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 2a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 2b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 3.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 3.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 4a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 4b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 5.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 5.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 5.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 5.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 6.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 6.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 6.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 6.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 7.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 7.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 7.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 7.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.5, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 8.6, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 9.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 9.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 9.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 10, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.3a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.3b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.4a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 11.4b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 12.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 12.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 13.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 13.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 13.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 13.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.5, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.6, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 14.7, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 15.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 15.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 15.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 15.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.3, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.4, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.5, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.5a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 16.5b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 17.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 17.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 18, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 19, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 20.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 20.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.1, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.1a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.1b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2a, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2b, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2c, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2d, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2e, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2f, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
^ FDR 21.2g, Government of Alberta (June 17, 2021). "Alberta Regulation 132/2021, Insurance Act, Direct Compensation Property Damage Regulation "
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