Free SGI Restricted Auto Basic Questions and Answers

Question 1

Saskatchewan, there is no need for a facility since

Accepted Answer

SGI covers all drivers, even those who are higher risk

Answer

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.

Accepted Answer

TRUE

Answer

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:

Accepted Answer

Reward safe drivers and impose extra charges on risky drivers

Answer

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.

Accepted Answer

FALSE

Answer

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.

Accepted Answer

TRUE

Answer

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.

SGI - Saskatchewan Government Insurance Corporation Practice Test

SGI - Saskatchewan Government Insurance Corporation Practice Test

Free SGI Restricted Auto Basic Questions and Answers