DCPD Alberta Automobile Insurance Reform

New Alberta DCPD CE course now available to all General and Adjuster CE Subscribers.

Credit Hours: 1

Credit Type: General/Adjuster – Technical

Credit #: AIC#59902


It is often said that the only constant is change. This is certainly true in the insurance industry. Data analysis of historical trends and patterns keeps us striving for greater efficiencies and improvements to products and services. The province of Alberta has enacted legislative and regulatory changes to Alberta automobile policies through Bill 41which introduces Direct Compensation for Property Damage (DCPD). On January 1, 2022, all automobile insurance policies in Alberta will automatically have new DCPD coverage added. The changes made have been taken to improve Alberta’s auto insurance system to ensure sustainability for industry, allow optimal insurance options at reasonable prices for consumers and offer drivers more consistent treatment and faster response on collision claims.


The purpose of this course is to provide background and specific details relating to the Direct Compensation for Property Damage (DCPD) changes that will impact Alberta automobile policies as of January 1, 2022.  This goal is addressed through a comprehensive review of the previous regulation changes, the upcoming legislative changes, and a discussion of what DCPD will mean for drivers.


Course Contents

This course will cover the following topics:

Brief background to the reforms

Review of regulation changes including:

Minor Injury Regulation

Diagnostic and Treatment Protocols Regulation

Automobile Accident Insurance Benefits Regulation

Automobile Insurance Premiums Regulation

Changes to Automobile Insurance Rate Board (AIRB)

What DCPD will mean for drivers

Changes to claims processing and coverages

Upcoming changes (through Bill 41) in early 2022

Driver responsibilities when involved in an accident

Assignment of fault

How insurance premiums are affected by DCPD

Accident examples

DCPD Summary of Frequently Asked Questions

Concise review of how DCPD works


Course Learning Objectives

Successful participants of this course will:

  • Understand what factors influenced the changes to Alberta’s automobile insurance
  • Know the details regarding the above changes to

Making rates more affordable

Improving care

Providing more choice for drivers

  • Be aware of the changes to the role authority of the AIRB
  • Be familiar with upcoming legislation changes: specifically, the contents of Bill 41: the Insurance (Enhancing Driver Affordability and Care) Amendment Act, 2020 Know who owners will work with in relation to claims
  • Know what it means if the driver bears no fault in the accident
  • Know what Collision coverage will pay for
  • Know what coverage is available for medical and rehabilitation costs
  • Know the responsibilities of a driver involved in an accident
  • Understand how insurers assess responsibility in an accident
  • Know what information insurers will collect about an accident
  • Understand what will be (and can be) factors and procedures in the process of assigning fault
  • Know how insurance premiums are affected
  • Have reviewed accident examples based on the Direct Compensation for Property Damage Regulation in the following circumstances:

Automobiles travelling in same direction and same lane

Automobiles travelling in the same direction and adjacent lanes

Automobiles travelling in the same direction and adjacent lanes – overtaking or passing

Automobiles travelling in opposite directions

Automobile entering highway from parking place or private road or driveway

Automobile entering controlled highway

Chain reaction accidents

Intersections without traffic signs or traffic control signs

Intersections with traffic signs

Intersections with traffic control signals

Parking lots

Parked automobiles

Driver fails to obey sign or direction

Backing up or making u turns

Open doors

  • Know the benefits of DCPD
  • Know the answers to questions frequently asked by clients about changes to coverages, claims process, and premiums



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