In response to growing public concern over auto insurance rates, the Alberta government is the latest to introduce changes to its system. Among those changes will be a new underwriting system that focuses on driving records rather than other factors such as age, gender, etc. The moves follow meetings with insurers and lawyers in the province, as well as public feedback. No clear regulations have been laid out and it is not clear if the government intends to respond to insurer concerns over rising claims costs, particularly on accident benefits claims. The government also has not said it will make any moves on tort reform. All the government would say was it plans to introduce a “reasonable entry-level premium that will provide incentives for safe drivers while motorists with traffic violations and at-fault accidents will pay more”.