No Fault injury insurance

It provides a comprehensive package of benefits that covers the majority of your expenses if you're injured in a collision, regardless of fault.

No fault coverage includes the following, as needed:

• rehabilitation
• medical, personal and travel expenses
• living assistance
• permanent impairment payment
• death benefits

Medical professionals will work with your doctor or practitioner to develop a plan for your rehabilitation. The plan will be designed to help you recover from your injuries as fully and quickly as possible. If you don't participate in your rehabilitation plan, SGI may not pay your benefits.

Please review the Complete guide to No Fault benefits (pdf, 152 kb) for a comprehensive explanation of No Fault Coverage.

Since No Fault injury benefits are provided regardless of fault or collision circumstances, there are limited circumstances where a person injured in a motor vehicle has the right to sue. Please refer to the Complete guide to No Fault Coverage for details.

Who’s not covered?

You won’t receive the full package of benefits in the following circumstances:

• If you’re convicted of stealing a vehicle involved in a crash or convicted of possession of a stolen vehicle involved in a collision.
• If you’re responsible for the collision and found to be impaired by alcohol or drugs at the time of the crash,you’ll be denied a permanent impairment payment.
• If it’s your second conviction for impaired driving in the last 5 years, or you’re convicted of deliberately using your vehicle to harm another person or property, you’ll be denied both an income benefit and a permanent impairment payment.
• If you’re entitled to Workers’ Compensation benefits.