If you're involved in a collision while visiting Saskatchewan, you should know how auto injury insurance works, whether you're a driver or a passenger.
Residents of Alberta and Manitoba
The provinces of Manitoba and Alberta have an agreement with Saskatchewan to provide injury benefits to their own residents. If you're injured in a collision in Saskatchewan:
- Manitoba residents - Manitoba Public Insurance (MPI) will provide you with injury benefits.
- Alberta residents - if you're entitled to coverage through an Alberta insurer, the Alberta insurer will provide you with benefits.
Under Saskatchewan law, No Fault Coverage provides a comprehensive package of benefits that will cover the majority of your expenses, if you're injured and not at fault. If someone else is found responsible for the collision, No Fault Coverage allows you to sue for additional expenses. It doesn't allow you to sue for pain and suffering, except in very limited circumstances.
As well, a non-Saskatchewan resident who's responsible and has injured a Saskatchewan resident can be sued for economic and non-economic losses over and above the person's package of benefits.