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Learn about legal options and debt repayment if you caused injury to someone in a motor vehicle accident and you didn’t have insurance.
If you’re being sued for causing injuries in a motor vehicle accident and you don’t have insurance or your insurance company won’t defend you, you have several options.
You can:
Motor Vehicle Accident Recoveries (MVAR) enforces the MVAC judgment decisions by recovering the funds paid out on your behalf by MVAC from the at-fault parties.
If MVAC decides a victim should be compensated for their injuries, the amount paid to the victim is a debt you’ll owe.
The program’s maximum payout is $200,000 per accident, plus legal costs – you’ll be responsible to repay the victim's entire compensation.
When a claim is paid, a court judgment will be made against you.
After we’re notified of this judgment, we:
It’s important to note, if you were involved in an accident, there may be other claims and fines against you. The debt you owe MVAR is separate from debts you might owe for traffic violations or criminal action.
When a victim files a lawsuit for damages, all reasonable efforts are made to contact you – the at-fault party.
These efforts include trying to serve you a copy of the claim by:
Even if you refused to cooperate or you were never located, if the victim completed all necessary legal actions and served you substitutionally, the lawsuit will proceed and you’ll be found liable.
If you have questions about your case or you disagree with the judgment made against you, you’re encouraged to contact a lawyer for help with this process.
If you don’t pay your debt to MVAR, collection actions will be taken against you. These can include:
To request that we consider terminating a garnishment of your bank account or wages, contact your recoveries officer.
After you’ve been notified of your debt, you can:
To apply for payment instalments or to sign up for a direct bank withdrawal, contact MVAR.
If you’re making instalment payments, you’ll be assigned a recoveries officer.
Your recoveries officer will handle all aspects of your repayment including:
Contact your recoveries officer by calling the number corresponding to the first letter of your last name:
Toll free: 310-0000 before the phone number (in Alberta)
Your repayment agreement is reviewed annually and revised if needed.
Contact your recoveries officer as soon as possible if you’re:
We keep all your file information private and confidential. Sometimes, we’re required by law to release your information to other agencies that can include the following:
If you would like us to share information with another person like a spouse and allow them to make payments on your behalf, you can name them as a third party on your account.
You can receive the following account information from your recoveries officer:
Due to privacy laws, we’re unable to release information about:
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Connect with the Motor Vehicle Accident Recoveries Program about a collections issue:
Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-422-5458
Toll free: 310-0000 before the phone number (in Alberta)
Fax: 780-427-9549
Email: [email protected]
Address:
Motor Vehicle Accidents Recoveries Program
P.O. Box 11421
Edmonton, Alberta T5J 3K6
Connect with the Motor Vehicle Accidents Recoveries Program about a general inquiry:
Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-422-5458
Toll free: 310-0000 before the phone number (in Alberta)
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