Saskatchewan Accident Benefits Explained

Public or Private?

Saskatchewan has public insurance through SGI (Saskatchewan Government Insurance). This means the provincial government is responsible for issuing and regulating automobile insurance policies for the citizens of that province.

No fault or Tort-based?

All Saskatchewan residents are automatically covered with No Fault injury coverage unless they have chosen Tort injury coverage and filed a declaration form. (Most people in Saskatchewan choose no fault)

Accident benefits in British Columbia

NO-FAULT

If the applicant selects the no-fault option, they can expect the following limits on their benefits:

MEDICAL AND REHABILITATION BENEFITS

These are capped at $7,397,579.00 for each accident in which a person suffers bodily injury.

INCOME REPLACEMENT BENEFITS

These are calculated at 90% of the applicant's net income they were earning before the incident. Net income is determined by deducting income tax, employment insurance and Canada Pension Plan contributions from your total (gross) income. If an applicant does not qualify for the income replacement benefit, then they may also apply for non-earner benefits, substitute worker benefits, family enterprise benefits, and various weekly benefits for students.

PERMANENT IMPAIRMENT

 If a claimant suffers a permanent impairment, SGI shall calculate the lump-sum benefit based on the severity of the injury with a $258,915.00 for Catastrophic Injuries (like loss of limbs, total blindness, severe brain injuries, etc.) and a $211,990.00 maximum for other permanent injuries. 

TORT BASED

If an applicant selected the tort-based option, they can expect the following limits on their benefits:

MEDICAL AND REHABILITATION -

benefits are capped at $217,139.00 for catastrophic injuries, and $28,952.00 for non-catastrophic injuries.

FUNERAL EXPENSES -

$7,238.00.17

DEATH BENEFITS -

the Saskatchewan Fatal Accident Act limits the maximum payment for bereavement damages in a civil lawsuit to $60,000. Extends to the deceased's spouse, dependents (until they reach 21), and estate (if there are no surviving relatives) are determined according to the following table.

Benefit
Amount
Spouse/ dependant
$65,142.00
1 dependant
$33 min / week
2 dependants
$62 min / week
3 dependants
$72/ week
4 dependants or more
$83 / week
No spouse or dependant
$14,476.00 to estate

INCOME REPLACEMENT BENEFITS/ HOMEMAKER BENEFITS -

covers you if you have been injured, were employed at some point during the 12 months immediately preceding your collision, and you are no longer able to perform that job due to your injury. The following chart shows the coverage limits for lost income and lost home making.

Benefit
Max Amount Per Week up to 2 Years
Employed – Totally Disabled
$472
Employed - Partially Disabled
$236
Homemaker – Totally Disabled
$472
Homemaker – Partially Disabled
$236
Unemployed/ worked 6 mo. In yr prior – Totally Disabled
$472
Unemployed/ worked 6 mo. In yr. prior – Partially Disabled
$236
Unemployed in yr. prior – confined to bed or wheelchair
$236
Unemployed/ worked <6 mo. In yr. prior
$236
Unemployed/ worked <6 mo. In yr. prior 
$118

PERMANENT IMPAIRMENT BENEFITS

 If a claimant suffers a permanent impairment, SGI shall calculate the lump-sum benefit based on the severity of the injury with a $188,187.00 for Catastrophic Injuries (like loss of limbs, total blindness, severe brain injuries, etc.) and a $14,476.00 maximum for other permanent injuries.

How to claim accident benefits in Saskatchewan:

Remember:

If you have been injured in a crash and have coverage from another provider (for example, extended health care from your employer or individually purchased disability insurance), your other insurance will be the primary payer for most medical expenses and/or income replacement.

Want to Learn More?

Read or download the complete guide to no-fault coverage or tort coverage from the Government of Saskatchewan website.
You can also read about basic auto injury insurance in Saskatchewan.
You can also contact SGI directly at Phone: 1-844-TLK-2SGI (1-844-855-2744)
Email: sgiinquiries@sgi.sk.ca
If you have further questions about this process, or your benefits, contact your claims adjuster.
If you do not know who your claims adjuster is, contact the insurance company.
You can also contact the Insurance Bureau of Canada at 1-844-227-5422 or the General Insurance Ombud service at 1-877-225-0446.