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.
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)
If the applicant selects the no-fault option, they can expect the following limits on their benefits:
These are capped at $7,397,579.00 for each accident in which a person suffers bodily injury.
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.
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.
If an applicant selected the tort-based option, they can expect the following limits on their benefits:
benefits are capped at $217,139.00 for catastrophic injuries, and $28,952.00 for non-catastrophic injuries.
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.
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.
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.
When you’re ready to settle the claim, your bodily injury adjuster will work with you to determine a fair settlement value. If you want to sue the responsible party (or parties), you have to start legal action within 2 years after the collision date. Visit the Tort Coverage section for more information.
If you’re injured in a collision outside Saskatchewan, visit the Out-of-province collisions section and then fill out your claim.
Your personal injury representative then reviews your completed application and, based on the information they have, makes sure you get all of the benefits that apply to your claim. The timeline to figure this out is different every time and depends on the extra documents that are needed.
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.
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)
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.