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Saskatchewan Mandatory Coverage


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, 2017

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:

​No

​If no-fault option selected:

​If tort option selected:

​Medical payments:

Up to $6,813,680/person;

Up to $26,667/person for non-catastrophic injury, up to $200,000 for catastrophic injury

Funeral expense benefits:

$10,219

$6,667

Disability income benefits:

90% of net wages based on gross annual income of maximum $94,587/year; nothing is payable for the first seven days of disability unless catastrophically injured

Up to two years; $429/week for total disability (lifetime if unable to return to any job); $214/week for partially disability ($107/week if worked less than six months prior to collision); maximum $22,308/year

Death benefits:

50% of deceased's income benefit; minimum $70,293 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $15,620 to each surviving parent or child (21 years or older), to maximum $70,293; death of dependent child $31,240

45% of deceased's net income; minimum $60,000 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependant, estate  receives up to $13,333 

​Impairment benefits:

Up to $195,257/person for non-catastrophic injury, up to $238,479 for catastrophic injury

Up to $13,333/person for non-catastrophic injury, up to $173,333 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

​Yes

Administration:

​Government (government and private insurers compete for optional and excess coverage)

Sources:

   All online sources were accessed on January 1, 2017

​Interested in seeing more choice for your auto insurance in Saskatchewan? Contact us.