SGI Restricted Auto Basic 2

Question 1

Under SGI's Restricted Auto Basic coverage, which of the following losses is NOT covered?

Accepted Answer

Collision damage when the driver is at fault

Answer

Restricted Auto Basic does not include collision coverage; at-fault collision damage is excluded.

Question 2

A driver with only Restricted Auto Basic coverage hits a deer. What applies?

Accepted Answer

The claim is paid under animal collision (comprehensive) coverage

Answer

Animal strikes fall under comprehensive (non-collision) coverage, which is included in Saskatchewan's basic plate insurance.

Question 3

Saskatchewan's Restricted Auto Basic coverage is administered by:

Accepted Answer

SGI (Saskatchewan Government Insurance)

Answer

SGI is the provincial Crown corporation that administers mandatory basic auto insurance in Saskatchewan.

Question 4

What is the purpose of the deductible on a Restricted Auto Basic claim?

Accepted Answer

It is the amount the insured must pay out-of-pocket before insurance covers the rest

Answer

A deductible is the insured's share of a loss that must be paid before the insurer covers the remaining amount.

Question 5

Under Restricted Auto Basic, personal injury benefits in Saskatchewan are primarily provided through:

Accepted Answer

SGI's no-fault injury system

Answer

Saskatchewan operates a no-fault injury benefit system where injured parties receive benefits from SGI regardless of fault.

SGI - Saskatchewan Government Insurance Corporation Practice Test