Left Navigation Saskatchewan Mandatory Coverage Owners of motor vehicles in Saskatchewan must obtain auto insurance coverage through the government insurer, Saskatchewan Government Insurance (SGI). SGI has a government-mandated monopoly to provide the mandatory insurance set by provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory as is coverage for damage to your own vehicle.The chart below provides a summary of mandatory coverages required by the Saskatchewan government. Please refer to the list of sources for more details.This information is for educational purposes only. Consult a qualified insurance professional for further assistance. As of January 1, 2019Compulsory 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 $10,000Direct Compensation Property Damage Required:Not applicableIf no-fault option selected:If tort option selected:Medical payments:Up to $7,074,623/person; Up to $27,688/person for non-catastrophic injury, up to $207,659 for catastrophic injuryFuneral expense benefits:$10,610$6,922Disability income benefits:90% of net wages based on gross annual income of maximum $97,530/year; nothing is payable for the first seven days of disability unless catastrophically injuredUp to two years; $442/week for total disability (lifetime if unable to return to any job); $221/week for partially disability; maximum $22,984/yearDeath benefits:45% of deceased's net income benefit to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $16,218 to each surviving parent or child (21 years or older), to maximum $72,985; death of dependent child $32,43745% of deceased's net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $13,844 Impairment benefits:Up to $202,735/person for non-catastrophic injury, up to $247,612 for catastrophic injuryUp to $13,480/person for non-catastrophic injury, up to $179,971 for catastrophic injuryRight to sue for pain and suffering?NoYes, subject to deductible of $5,000Right to sue for economic loss in excess of no-fault benefits?YesYesAdministration:Government (government and private insurers compete for optional and excess coverage) Sources: All online sources were accessed on March 1, 2019 SGI Basic Auto Injury InsuranceYour Guide to No Fault Coverage, 2019Your Guide to Tort Coverage, 2019No Fault Injury Coverage ManualInterested in seeing more choice for your auto insurance in Saskatchewan? Contact us. Auto Insurance Q & A Questions to ask your insurance representative.All about Auto Insurance Regardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Useful LinksFACTS of the Property & Casualty Insurance IndustryThe FACTS of the Property & Casualty Insurance Industry is published by Insurance Bureau of Canada (IBC), the trade association representing Canada’s private property and casualty (P&C) insurance companies. IBC has published FACTS since 1972 to provide a snapshot of the state of the P&C insurance industry. Buying Auto InsuranceKnow how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available. Insurance Premium AllocationThe premiums of many policyholders pay the claims of the few who suffer a claim. Insurers put premiums toward a mix of claims costs, investments and operational expenses. Types of CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country Canadian Loss Experience Automobile Rating (CLEAR)Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.