This applies to everyone, even if you don't drive or own a vehicle.
There are 2 types of personal auto injury insurance in Saskatchewan - No Fault and Tort Coverage.
To ensure some type of coverage is in place, you'll automatically receive No Fault Coverage until you choose otherwise.
Collisions outside of Saskatchewan
The coverage you have in Saskatchewan will cover you if you're injured in a collision anywhere in Canada or the United States. However, the laws in the jurisdiction you're in also apply, regardless of which injury coverage you have. This means:
- If you cause a collision in a jurisdiction where lawsuits are allowed, anyone injured may be able to sue you for both expenses above their insurance coverage and pain and suffering.
- If someone else caused the collision, you can sue them for both expenses above your insurance coverage and for pain and suffering.
Non-residents of Saskatchewan injured in collisions in Saskatchewan
Since Saskatchewan is a no fault province, if a non-resident of Saskatchewan is injured in a collision here, they receive No Fault Coverage.
Additional insurance
While both No Fault and Tort Coverage are designed to meet most of your needs if you're injured in a collision, you do have options for increasing your coverage.
Your insurance broker can help you understand all the coverage you have in place through your auto insurance and what options you have for buying extra protection, such as:
- an auto extension policy (package policy)
- a life insurance or disability insurance policy
- additional liability coverage
