SGI Restricted Auto Basic 4 — Questions and Answers
Question 1: Which of the following is NOT a standard exclusion under SGI's Restricted Auto Basic coverage?
- Damage while the vehicle is used for racing
- Damage caused by hail (Correct answer)
- Damage caused intentionally by the insured
- Damage caused while the vehicle is driven by an unlicensed driver
Correct answer: Damage caused by hail
Hail damage is a covered peril under Saskatchewan's basic plate insurance; the other options are standard exclusions.
Question 2: How does SGI's Restricted Auto Basic handle uninsured motorist protection in Saskatchewan?
- It is not available in Saskatchewan because all vehicles must be insured through SGI (Correct answer)
- It must be purchased separately as an add-on
- It is covered by private insurers only
- It is optional and rarely purchased
Correct answer: It is not available in Saskatchewan because all vehicles must be insured through SGI
Because SGI insures all registered vehicles in Saskatchewan, uninsured motorist coverage is built into the no-fault system by default.
Question 3: A policyholder with SGI has a vehicle stolen and recovered, but with $4,000 in damage. Their deductible is $500. How much does SGI pay?
- $4,000
- $3,500 (Correct answer)
- $500
- $4,500
Correct answer: $3,500
SGI pays the repair cost minus the deductible: $4,000 - $500 = $3,500.
Question 4: Under Saskatchewan's no-fault system, which benefit covers reasonable medical expenses not covered by provincial health care?
- Extended Health Rider
- Medical, Rehabilitation and Habilitation (MRH) benefit (Correct answer)
- Disability Tax Credit
- Third-Party Medical Fund
Correct answer: Medical, Rehabilitation and Habilitation (MRH) benefit
SGI's MRH benefit covers reasonable medical and rehabilitation costs for injuries from a vehicle accident that fall outside provincial health coverage.
Question 5: If a claimant disagrees with SGI's decision on a Restricted Auto Basic claim, the first step is typically to:
- File a lawsuit in Court of Queen's Bench immediately
- Request an internal review or appeal through SGI's dispute resolution process (Correct answer)
- Contact the federal transportation authority
- Accept SGI's decision as final — no appeals are permitted
Correct answer: Request an internal review or appeal through SGI's dispute resolution process
SGI has an internal review and appeal process that claimants must generally use before pursuing external remedies.
Question 6: In Saskatchewan, an out-of-province driver causes a collision with a Saskatchewan-registered vehicle. The Saskatchewan driver's injury benefits are paid by:
- The out-of-province driver's insurer
- SGI under Saskatchewan's no-fault benefit system (Correct answer)
- The federal government's accident fund
- No benefits are available in cross-border accidents
Correct answer: SGI under Saskatchewan's no-fault benefit system
Saskatchewan residents injured in accidents on Saskatchewan roads receive no-fault injury benefits from SGI regardless of who caused the crash.
Question 7: What SGI program rewards safe drivers with premium discounts based on their driving history?
- Safe Driver Recognition (SDR) (Correct answer)
- Good Driver Bonus Plan
- Collision-Free Credit
- No-Claims Rebate
Correct answer: Safe Driver Recognition (SDR)
SGI's Safe Driver Recognition (SDR) program tracks driving history and provides premium discounts for safe, claim-free driving.
SGI Restricted Auto Basic 4
Which of the following is NOT a standard exclusion under SGI's Restricted Auto Basic coverage?