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, 2020

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
Direct Compensation Property Damage Required:Not applicable
If no-fault option selected:If tort option selected:
Medical payments:Up to $7,194,892/person; Up to $28,159/person for non-catastrophic injury, up to $211,189 for catastrophic injury
Funeral expense benefits:$10,790
Disability income benefits:90% of net wages based on gross annual income of maximum $98,643/year; nothing payable for the first seven days of disability unless catastrophically injuredUp to two years; $453/week for total disability (lifetime if unable to return to any job); $226/week for partial disability; maximum $23,556/year
Death benefits:45% of deceased’s net income benefit to spouse; 5% of deceased’s net income to each dependent child; if no spouse, $16,494 to each surviving parent or child (21 years or older), to maximum $74,226; death of dependent child $32,98845% of deceased’s net income; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate receives up to $14,079
Impairment benefits:Up to $206,181/person for non-catastrophic injury, up to $251,821 for catastrophic injuryUp to $14,079/person for non-catastrophic injury, up to $183,031 for catastrophic injury
Right to sue for pain and suffering?NoYes, subject to deductible of $5,000
Right to sue for economic loss in excess of no-fault benefits?YesYes
Administration:Government (government and private insurers compete for optional and excess coverage)


All online sources were accessed on March 1, 2020

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