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SASKATCHEWAN |
| Compulsory minimum third-party liability: |
$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000
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If no-fault option selected: |
If tort option selected: |
| Medical payments: |
Up to $6,098,358/person; includes rehabilitation |
Up to $23,841/person for non-catastrophic, up to $178,838 for catastrophic injury |
| Funeral expense benefits: |
$9,148 |
$5,962 |
| Disability income benefits: |
90% of net wages based on gross annual income of maximum $79,273 year; nothing is payable for the first 7 days of disability unless catastrophically injured |
Up to $18,512/year if totally disabled; $180/week for partial disability for up to two years |
| Death benefits: |
45% of deceased's net income; min. $62,913 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $13,980 to each surviving parent or child (21+), to a max. $62,913; up to $41,942 spouse education; death of dependent child $27,960 |
45% of deceased's net income to a minimum $53,651 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependant, up to $11,922 to estate |
| Impairment benefits: |
Up to $174,757/person for non-catastrophic, up to $211,443 for catastrophic injury |
Up to $11,922/person for non-catastrophic, up to $154,922 for catastrophic injury |
| Right to sue for pain and suffering? |
No |
Yes, subject to deductible of
$5,000 |
| Right to sue for economic loss in excess of no-fault benefits? |
Yes. Injured persons may sue for economic losses that exceed no-fault benefits. However, award above no-fault benefit based on net income after deductions for income tax, Canada Pension Plan and employment insurance |
Yes. Any benefit amounts received from other insurance plans to be deducted from the court award or settlement |
| Administration: |
Government (government and private insurers compete for optional and excess coverage) |
Government (government and private insurers compete for optional and excess coverage) |
| Notes: |
Saskatchewan is a no-fault province where residents can opt out of the Personal Injury Protection Plan (PIPP), or no-fault, in favour of a tort plan.
First-party all perils* insurance is compulsory in Saskatchewan (deductibles vary according to type of vehicle). |
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