Injury coverage improvement
Government has approved a number of recommendations put forward by SGI for changes to its auto injury coverage programs.
These changes will improve the Tort and No Fault programs to better meet the needs of customers by providing improved benefits for those most seriously injured, closing gaps in coverage for everyone involved in an auto collision, helping keep coverage affordable and addressing inconsistencies in coverage.
The changes require legislative approval before they can take effect, and timing for implementation has yet to be determined. You can review a full report of the recommendations (pdf, 382 kb).
This applies to every Saskatchewan resident, even if you don't drive or own a vehicle.
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.
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