Saskatchewan Government Insurance

This is a government-run insurance company. If drivers want to purchase car insurance in Saskatchewan then this is who they use.

The mandatory or compulsory insurance is provided by Saskatchewan Government Insurance (SGI) and then there is competition between the private and government insurers to sell enhancements or “top-ups” to the basic policy. This would include collision or upset, comprehensive and specified perils coverage.

The Insurance Bureau of Canada (IBC) provides the following outline of coverage available in Saskatchewan. (This is current at time of writing, April 2009.)

There is a minimum amount of collision and comprehensive insurance you get when you register your car in Saskatchewan.

Saskatchewan is predominantly a no-fault province, but residents may purchase an option that allows them to access recovery for their injuries through a tort system.

Whether or not you are in the tort or no-fault system (Personal Injury Protection Plan), you are entitled to the following:

If you are found to be responsible for a car crash and are sued for injuring or killing someone or damaging some one's property, your insurance company covers you for up to $200,000 of a legal settlement or court award against you. If you are sued for both injury and property damage and the total claim is more than $200,000, your insurance company will pay no more than $10,000 for the property damage portion.

(If you did not have insurance and somebody sued you, you would be responsible for the entire amount.)

If you chose to be part of the no-fault system (PIPP):

  • If you are injured in a crash then you’re entitled to the following benefits, regardless of who is responsible:
  • If you are injured - your medical bills, up to $5,502,680 per person, including rehabilitation, will be paid your insurer.
  • If you are unable to attend work - you will be paid up to 90% of your after-tax wages, up to a maximum gross income of $63,043 per year. This amount is indexed so it will rise with inflation.
  • You can begin to receive this benefit seven days after the accident, but you will not be paid for the first seven days.
  • If you are disabled - you will receive up to $192,594 for a catastrophic injury and a maximum of $157,687 for a non-catastrophic injury.
  • If you are killed in a car crash - regardless of who is responsible, your family is entitled to a sum of money if you die in a car crash. If you were married and you die, your family will receive $56,767. If you were not married but had dependants, SGI will pay $12,615 for each dependant to a maximum of $56,767 for five or more dependents. There is also an education benefit of $37,845, and weekly benefits of $25 to one dependant, a total of $46 to two dependants, and a total of $62 to four or more dependants.
  • $8,254 is available for funeral expenses.
  • If you wish to sue the responsible driver - you may not sue for pain and suffering. If you are injured, you can sue for economic losses that are more than the prescribed benefits. However, your award will be based on your income after deductions for income tax, Canada Pension Plan, and Employment Insurance.

If you choose the tort option:

  • If you are injured in a car crash:You’re entitled to the following benefits, regardless of who is responsible:
  • If you need medical care:
  • Your medical bills, up to $21,506, will be repaid by SGI. If you are catastrophically injured, you could be reimbursed up to $161,369.
  • If you injury causes you to miss work: SGI will pay you up to $16,796 per year for a total disability and $8,398 for a partial disability from employment lasting up to 104 weeks.
  • If you are disabled - you will receive up to $139,853 for a catastrophic injury and a maximum of $10,758 for a non-catastrophic injury.
  • If you are killed in a car crash - your spouse will receive 50% of the income disability benefits you would have received. Each dependent child will receive 5% of the income disability benefits you would have received.
  • $5,379 is available for funeral expenses.
  • Suing the responsible driver - you may sue for pain and suffering; there is a deductible of $5,000. If you are injured, you can sue for economic loss that is over and above the prescribed benefits. However, any amount you have received from other insurance plans will be deducted from your award or settlement for economic loss.
  • If you want more than the minimum coverage - you may choose to buy additional auto insurance coverage to cover theft, vandalism or other such damage to your car. You also have the option to buy higher limits on some of the coverages listed above. You do not have to buy this from SGI; there are many private insurance companies that compete for this business.