Tort injury insurance

This coverage provides a basic package of benefits that cover some of your expenses if you're injured in a collision.

All Saskatchewan residents have No Fault Coverage unless they choose Tort Coverage and file a declaration form with SGI.

Tort's limited coverage includes the following, as needed:

• medical and rehabilitation expenses
• income benefit
• permanent impairment payment
• death benefits

Please review the Complete guide to Tort benefits (pdf, 148 kb) for a comprehensive explanation of Tort Coverage.

Who’s not covered?

You won't receive the package of benefits in the following circumstances (except in cases of catastrophic injury or death) if:

• you're impaired by alcohol or drugs at the time of the crash
• you deliberately use your vehicle to harm another person or property
• you're injured while the vehicle you're in is racing or in a speed test
• you're injured while the vehicle is being used in an attempt to evade a law enforcement officer
• the vehicle is unregistered or you're not qualified or authorized to drive

In cases of catastrophic injury you'll still receive the full package of benefits, with the following exceptions:

• 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 five 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.