Insurance Coverage in Saskatchewan
Compulsory minimum third-party liability
$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000
Medical payments
If no-fault option selectedUp to $6,382,084/person
If tort option selectedUp to $24,954/person for non-catastrophic, up to $187,158 for catastrophic injury
Funeral expense benefits
If no-fault option selected$9,573
If tort option selected$6,239
Disability income benefits
If no-fault option selected90% of net wages based on gross annual income of maximum $86,463/year; nothing is payable for the first 7 days of disability unless catastrophically injured
If tort option selected$376/week if totally disabled for up to two years; $188/week if partially disabled for up to two years; maximum $19,552 per year
Death benefits
If no-fault option selected45% of deceased’s net income; minimum $65,840 to spouse; 5% of calculated death benefits to each dependent child; if no spouse, $14,631 to each surviving parent or child (21+), to a maximum $65,840; up to $43,893 spouse education; death of dependent child $29,262
If tort option selected45% of deceased’s net income to a minimum $56,147 to spouse; 5% of calculated death benefits to each dependent child; if no spouse or dependent, estate receives up to $12,477
Impairment benefits
If no-fault option selectedUp to $182,888/person for non-catastrophic, up to $223,373 for catastrophic injury
If tort option selectedUp to $12,477/person for non-catastrophic, up to $162,204 for catastrophic injury
Right to sue for pain and suffering?
If no-fault option selectedNo
If tort option selectedYes, subject to deductible of $5,000
Right to sue for economic loss in excess of no-fault benefits?
If no-fault option selectedYes
If tort option selectedYes
Administration
If no-fault option selectedGovernment (government and private insurers compete for optional and excess coverage)
If tort option selectedGovernment (government and private insurers compete for optional and excess coverage)
Notes
If no-fault option selectedSaskatchewan is a no-fault province where residents can opt out of the Personal Injury Protection Plan (PIPP), or no-fault, in favour of a tort plan.
If tort option selectedFirst-party all perils* insurance is compulsory in Saskatchewan (deductibles vary according to type of vehicle).
Understanding Your Coverage
Auto insurance in Saskatchewan is provided by a government-run insurance company, Saskatchewan Government Insurance (SGI). Saskatchewan is a no-fault province, but residents have the option to have their auto insurance through a tort system. This choice has been available to Saskatchewan residents since January 1, 2003.
Over 6000 Saskatchewan residents, representing more than .6% of the population, have opted for the tort system.
If you’ve been traveling between Canada and the United States and you’ve been seriously injured in an auto accident, call TheLawFirm.com now for a Free Consultation: 1-888-612-8313
