SGI - Comparison of No Fault and Tort liability

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There are some differences in liability between No Fault and Tort Coverage. To understand when you can sue, and when you can be sued, see the comparison below:

	No Fault Coverage	Tort Coverage
If you're responsible for the collision, you can:
Sue for additional expenses	No	No
Sue for pain and suffering	No	No
Be sued for additional expenses	Yes by someone with No Fault or Tort Coverage	Yes by someone with Tort or No Fault Coverage
Be sued for pain and suffering	No, except in very limited circumstances: if you're convicted of impaired driving if you're injured by someone who's convicted of using their vehicle to deliberately harm you	Yes by someone with Tort Coverage only
	No Fault Coverage	Tort Coverage
If someone else is responsible for the collision, you can:
Sue for additional expenses	Yes you can sue someone with No Fault or Tort Coverage, except in cases where there's no one to sue e.g. a collision with a deer	Yes you can sue someone with Tort or No Fault Coverage, except in cases where there's no one to sue e.g. a collision with a deer
Sue for pain and suffering	No, except in very limited circumstances: if the person responsible is convicted of impaired driving if you're injured by someone who's convicted of using their vehicle to deliberately harm you if the negligence of a 3rd party caused the collision in which you were injured.	Yes however, if the person responsible has No Fault Coverage you can't sue them directly, but you can sue SGI
Be sued for additional expenses	No	No
Be sued for pain and suffering	No	No

• • •

Rev: 1.0

No Fault vs. Tort liability

There are some differences in liability between No Fault and Tort Coverage.