Free SGI Restricted Auto Basic Questions and Answers — Questions and Answers
Question 1: Saskatchewan, there is no need for a facility since
- Studying full time
- Registrations can be done for as little as 28 days and up to a year
- Benefits are indexed
- SGI covers all drivers, even those who are higher risk (Correct answer)
Correct answer: SGI covers all drivers, even those who are higher risk
In Saskatchewan, SGI (Saskatchewan Government Insurance) covers all drivers, even those who are higher risk, meaning there is no need for a 'facility' market. As a public insurer, SGI provides universal auto insurance coverage to all residents, ensuring that everyone has access to basic insurance regardless of their driving record. This differs from jurisdictions where high-risk drivers might be shunted to a separate, often more expensive, 'facility' market.
Question 2: An injured party may be held partially responsible for their injuries if they sue another party.
- TRUE (Correct answer)
- FALSE
Correct answer: TRUE
TRUE. An injured party may be held partially responsible for their injuries if they sue another party, a concept known as contributory or comparative negligence. If the court finds that the injured party's own actions contributed to their harm, their awarded damages may be reduced proportionally to their degree of fault. This principle ensures fairness in assigning liability.
Question 3: The goal of Safe Driver Recognition is to:
- Replace traffic fines
- Provide incentives for businesses to hire good drivers
- Reward safe drivers and impose extra charges on risky drivers (Correct answer)
- Increase revenue to SGI
Correct answer: Reward safe drivers and impose extra charges on risky drivers
The goal of Safe Driver Recognition (SDR) is to reward safe drivers and impose extra charges on risky drivers. This program incentivizes responsible driving behavior by offering discounts or credits to those with good records, while applying financial penalties to drivers who accumulate convictions or at-fault claims. SDR aims to improve road safety by directly linking driving habits to insurance costs.
Question 4: It is permissible under privacy regulations to discuss clients' private matters within your company.
- TRUE
- FALSE (Correct answer)
Correct answer: FALSE
FALSE. It is not permissible under privacy regulations to discuss clients' private matters within your company unless there is a legitimate 'need to know' for business purposes. Client information is confidential and protected by privacy laws, requiring employees to only access and discuss details relevant to their specific job functions. Unauthorized disclosure, even internally, is a breach of privacy.
Question 5: There is no liability insurance if a car is registered as 5000 KG GVW but weighs 6000 KG in reality.
- TRUE (Correct answer)
- FALSE
Correct answer: TRUE
TRUE. There is no liability insurance if a car is registered as 5000 KG GVW but weighs 6000 KG in reality. Insurance coverage is based on the vehicle's accurate registration and declared specifications. Misrepresenting the vehicle's weight or class can void the insurance policy, leaving the owner without coverage in the event of an accident, as it constitutes a material misrepresentation.
Question 6: The mechanism that gives citizens of Saskatchewan the option between Tort and No Fault is known as:
- Reduced No Fault Option
- Facility
- Injury choice (Correct answer)
- Joint liability
Correct answer: Injury choice
The mechanism that gives citizens of Saskatchewan the option between Tort and No Fault is known as 'Injury Choice.' This unique system allows individuals involved in an accident to choose whether to pursue a tort claim, which allows for suing for pain and suffering, or to accept the no-fault benefits provided by SGI, which offer more immediate and comprehensive medical and rehabilitation support without proving fault. This choice impacts the type and extent of benefits received.
Question 7: Residents of Saskatchewan can select between No Fault and Tort under a system known as Physical damage coverage, which is (select all that apply):
- Mandatory in Saskatchewan (Correct answer)
- Mandatory in all Canadian provinces
- For collisions only
- On a replacement cost basis
Correct answer: Mandatory in Saskatchewan
Physical damage coverage, which protects a vehicle from damage due to collisions or other perils, is mandatory in Saskatchewan. As a public insurer, SGI provides basic plate insurance that includes mandatory physical damage coverage for vehicles registered in the province. This ensures all vehicles have a minimum level of protection.
Question 8: A high earner who is unmarried and has no dependents will receive a smaller death benefit than a low earner who has a spouse and five little children.
- TRUE
- FALSE (Correct answer)
Correct answer: FALSE
FALSE. A high earner who is unmarried and has no dependents will typically receive a larger death benefit than a low earner with a spouse and five children. Death benefits are often calculated based on the deceased's lost income and earning potential, not primarily on the number of dependents. While dependents may influence other aspects of a claim, the direct death benefit amount is usually tied to the deceased's financial contribution.
Question 9: Which of the subsequent is NOT a crucial component of liability?
- Damages
- Negligence
- Third Party
- Moral Responsibility (Correct answer)
Correct answer: Moral Responsibility
Moral Responsibility is NOT a crucial component of legal liability. The key elements required to establish legal liability typically include a duty of care, a breach of that duty (negligence), causation linking the breach to the harm, and actual damages suffered by a third party. While moral responsibility might exist, it is distinct from the legal framework used to determine fault and compensation.
Question 10: Which of the following statements is true?
- Electronic equipment is excluded but radar detectors are covered up to $1500
- All electronic equipment is excluded
- Electronic equipment is covered up to $1500 but radar detectors are excluded (Correct answer)
- Electronic equipment including radar detectors is limited to $1500.
Correct answer: Electronic equipment is covered up to $1500 but radar detectors are excluded
The true statement is that electronic equipment is covered up to $1500, but radar detectors are excluded. SGI policies typically provide limited coverage for aftermarket electronic equipment installed in a vehicle, up to a specified amount. However, radar detectors are generally excluded from coverage due to their nature and often their illegality in certain jurisdictions or their association with unsafe driving practices.
Question 11: Which of the following DOES NOT fall under Tort's benefits for medical care and rehabilitation?
- Travel for medical treatment
- Assistance with daily living
- Funeral expenses (Correct answer)
- Medical equipment for care of the injured person
- Physiotherapy, massage therapy, and other treatments
Correct answer: Funeral expenses
Funeral expenses DO NOT fall under Tort's benefits for medical care and rehabilitation. Tort benefits related to medical care and rehabilitation are specifically designed to cover costs associated with the injured person's recovery, such as treatments, equipment, and assistance with daily living. Funeral expenses are typically covered under a separate death benefit provision or a different section of an insurance policy, as they pertain to the deceased rather than the ongoing care of an injured person.
