The Motor Vehicle Accident Claims Act is an Alberta statute that allows for payment for your personal injury damages (excluding property damage) when the at-fault driver is either underinsured or uninsured. Payment comes from a government fund and is limited to $200,000 for all claimants arising out of one incident. If your damages are higher, then you may need to resort to your SEF 44 insurance.
The amount of your SEF 44 or “family protection endorsement” is stated in your auto insurance policy. You can consult with me (or your personal injury lawyer) to find out if the family protection endorsement is available to you.
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