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"Insurance Act (8.5 x 11 coil bound format) "

Insurance Act (8.5 x 11 coil bound format)

The Insurance Act is the legislative framework for insurance operations in Alberta. The Act governs the licensing, governance and reporting requirements of insurance companies in the province, the incorporation and prudential supervision of provincial insurers, the duties of insurance agents and adjusters, market conduct, insurance contracts and financial responsibility cards ("pink" cards). It establishes the policy requirements for automobile, general, life, and accident and sickness classes of insurance, and the statutory conditions to be included in every insurance policy.
 
    Chapter/Regulation: I-3 RSA 2000
    Status: Office Consolidation
    Ministry Responsible: Treasury Board and Finance
    Current to 1/1/2017
    Item/ISBN#: 9780779798247
    Pages 474
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Following are the associated Regulations for the Insurance Act (8.5 x 11 coil bound format) ...

Adverse Contractual Action Regulation

Basic automobile insurance coverage (accident benefits and third party liability) is required by law in Alberta. To ensure individuals are able to obtain basic automobile insurance coverage, Section 555 of the Insurance Act and the Adverse Contractual Action Regulation establish the ‘all comers rule,’ requiring insurers to offer basic coverage to anyone wishing to insure a private passenger vehicle in Alberta. There are very limited and specific circumstances listed in Section 555(3) of the Insurance Act where adverse contractual action may be taken, allowing insurers to refuse to provide automobile insurance or cancel an automobile insurance contract. This regulation defines additional circumstances where insurers may take adverse contractual action.
 
    Chapter/Regulation: 28/2015
    Status: Current
    Related Act
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Automobile Accident Insurance Benefits Regulations

The Automobile Accident Insurance Benefits Regulations, in accordance with the Insurance Act, allows Albertans injured in automobile collisions to access up to $50,000 in no-fault medical and treatment benefits, as well as death, grief counselling, funeral and total disability benefits.
 
    Chapter/Regulation: 352/1972
    Status: Office Consolidation
    Related Act
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Automobile Insurance Premiums Regulation

Under the Insurance Act, the Automobile Insurance Premiums Regulation establishes the approval process for automobile insurance rating programs, requires an annual review of automobile insurance trends and premiums relating to basic and additional coverage for private passenger vehicles (PPVs) and establishes a ‘grid’ mechanism used to determine the base premium for basic coverage for PPVs. No insurer may charge more for basic coverage for PPVs than the amounts calculated with the grid.
 
    Chapter/Regulation: 117/2014
    Status: Current
    Related Act
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Automobile Insurance Rate Board Fees Regulation

The Automobile Insurance Rate Board Fees Regulation ensures that the cost of regulating automobile insurance rates is covered by insurers rather than by Alberta taxpayers. This regulation establishes a formula for calculating each insurer’s share of costs and allows the Automobile Insurance Rate Board to recover these costs from the automobile insurance industry.
 
    Chapter/Regulation: 179/2005
    Status: Office Consolidation
    Related Act
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Certificate Expiry, Penalties and Fees Regulation

The Certificate Expiry, Penalties and Fees Regulation establishes the certificate of authority expiry schedule and the fees for insurance agents’ and adjusters’ examinations and certificates. The regulation also establishes penalty amounts for agent and adjuster misconduct. The Alberta Insurance Council collects the fees and penalties on behalf of the Minister of Finance.
 
    Chapter/Regulation: 125/2001
    Status: Office Consolidation
    Related Act
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Classes of Insurance Regulation

The Classes of Insurance Regulation defines the classes of insurance that insurance companies may be licensed to undertake in Alberta. Currently, the regulation lists 23 classes of insurance, including automobile insurance and property insurance. In 2008, this list was harmonized with the Canadian Council of Insurance Regulators classes of insurance. As a result of the New Home Buyer Protection Act, the regulation was amended in 2014 to create three new classes of insurance: home warranty, deposit protection, and completion protection.
 
    Chapter/Regulation: 144/2011
    Status: Office Consolidation
    Related Act
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Complaint Resolution Regulation

The Complaint Resolution Regulation establishes a procedure for insurance companies to address two types of consumer complaints: (1) how a basic (accident benefits and third party liability) automobile insurance premium was determined, and (2) to address disputes regarding the adverse contractual action. An insurance company’s process must include the means and timeframes in which complaints will be received, processed and considered. Automobile insurers are also required, on the request of the Alberta Superintendent of Insurance, to provide a written report outlining the status and a number of complaints received.
 
    Chapter/Regulation: 259/2004
    Status: Office Consolidation
    Related Act
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Diagnostic and Treatment Protocols Regulation

The Diagnostic and Treatment Protocols Regulation establishes a process for individuals who have sustained sprains, strains, and certain types of whiplash injuries in automobile collisions to receive timely access to diagnosis and treatment of their injuries with minimal administrative and financial barriers. This is an enhanced benefit that also establishes for a process where individuals who are not recovering may be referred to an injury management consultant for additional assessment of the injury.
 
    Chapter/Regulation: 116/2014
    Status: Current
    Related Act
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Enforcement and Administration Regulation

Under the Insurance Act, the Alberta Superintendent of Insurance has the authority to issue monetary fines to insurance companies for contraventions of the Insurance Act and associated regulations. The Enforcement and Administration Regulation specifies the information that must be contained in a notice of an administrative penalty; the factors the Superintendent of Insurance must consider when determining the amount of an administrative penalty; and the sections of other various regulations that constitute an offense.
 
    Chapter/Regulation: 129/2001
    Status: Office Consolidation
    Related Act
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Fair Practices Regulation

The Fair Practices Regulation establishes a number of consumer protection measures dealing with a variety of insurance topics, including provisions relating to dispute resolution procedures, prohibited “tied selling” practices, and the disclosure of an insured’s right to choose his or her own service provider.
 
    Chapter/Regulation: 128/2001
    Status: Office Consolidation
    Related Act
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Home Warranty Insurance Regulation

The Home Warranty Insurance Regulation governs the new home warranty insurance product sold by insurance companies. This regulation establishes the terms, conditions, exclusions and insurance coverage limits that must be a part of every new home warranty insurance contract. The New Home Buyer Protection Act came into effect in February 2014, and mandates new home warranties for all new homes built in Alberta by residential builders.
 
    Chapter/Regulation: 225/2013
    Status: Office Consolidation
    Related Act
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Insurance Agents and Adjusters Regulation

The Insurance Agents, and Adjusters Regulation, establishes the educational and exam requirements for insurance professionals in Alberta. Insurance agents sell insurance to consumers, and insurance adjusters investigate and settle claims. In order to become eligible for a certificate of authority to practice as an agent or adjuster in Alberta, certain requirements must be met as outlined in this regulation
 
    Chapter/Regulation: 122/2001
    Status: Office Consolidation
    Related Act
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Insurance Councils Regulation

The Insurance Councils Regulation establishes the composition, delegated authority and term limits of the four insurance councils in Alberta: Alberta Insurance Council; General Insurance Council; Life Insurance Council, and Insurance Adjusters’ Council. The industry specific councils are the regulatory bodies responsible for the licensing and discipline of insurance agents and independent adjusters in Alberta. This regulation establishes the composition, remuneration and term limits for the Insurance Councils Appeal Board. The regulation specifies certain requirements for the appeal process. Lastly, this regulation lists the requirements regarding industry election of representatives to the various councils and board.
 
    Chapter/Regulation: 126/2001
    Status: Office Consolidation
    Related Act
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Minor Injury Regulation

The Minor Injury Regulation establishes the maximum amount a person can claim for non-pecuniary (pain and suffering) damages for a minor injury that does not result in a serious impairment from the strain, sprain or certain whiplash injuries caused by an automobile collision
 
    Chapter/Regulation: 123/2004
    Status: Office Consolidation
    Related Act
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Miscellaneous Insurance Provisions Regulation

The Miscellaneous Insurance Provisions Regulation is a collection of regulatory provisions that address a variety of ongoing insurance issues.
 
    Chapter/Regulation: 120/2001
    Status: Office Consolidation
    Related Act
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Provincial Companies Regulation

The Provincial Companies Regulation contains provisions that govern the assets, investments and capital adequacy of insurance companies incorporated in Alberta. Insurance companies incorporated in Alberta are subject to prudential supervision (oversight with respect to solvency, risk management, and governance) by the Superintendent of Insurance. The Superintendent of Insurance ensures that insurance companies incorporated in Alberta are solvent and financially healthy, and able to pay claims to Albertans.
 
    Chapter/Regulation: 124/2001
    Status: Office Consolidation
    Related Act
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Reciprocal Insurance Exchange Regulation

The Reciprocal Insurance Exchange Regulation includes provisions that apply to reciprocal insurance exchanges (reciprocals) licensed to operate in Alberta. Reciprocals are groups of commercial entities with similar risks that exchange contracts of insurance through a legal agreement.
 
    Chapter/Regulation: 123/2001
    Status: Office Consolidation
    Related Act
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Recovery of Administration Costs Regulation

The Recovery of Administration Costs Regulation is an administrative regulation that allows the Alberta Superintendent of Insurance to recover the costs incurred by the government to regulate the industry. The regulation includes the formula used to determine the amount each insurance company pays.
 
    Chapter/Regulation: 199/2009
    Status: Office Consolidation
    Related Act
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Replacement of Life Insurance Contracts Regulation

The Replacement of Life Insurance Contracts Regulation establishes rules and requirements for situations in which an individual wishes to replace their existing life insurance policy with another, providing consumer protection measures.
 
    Chapter/Regulation: 127/2001
    Status: Office Consolidation
    Related Act
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Transitional (Insurance Amendment Act, 2008 - Part 5) Regulation

The Transitional (Insurance Amendment Act, 2008 - Part 5) Regulation stems from the Insurance Amendment Act, 2008. A number of changes were made to the Insurance Act through this amendment to modernize the framework surrounding insurance contracts. This regulation was intended to provide guidance to the insurance industry and the legal community as to how existing and new insurance contracts and insurance claims were to be handled under the existing and new provisions.
 
    Chapter/Regulation: 185/2011
    Status: Office Consolidation
    Related Act
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