SGI Restricted Auto Basic 4

Question 1

Which of the following is NOT a standard exclusion under SGI's Restricted Auto Basic coverage?

Accepted Answer

Damage caused by hail

Answer

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?

Accepted Answer

It is not available in Saskatchewan because all vehicles must be insured through SGI

Answer

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?

Accepted Answer

$3,500

Answer

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?

Accepted Answer

Medical, Rehabilitation and Habilitation (MRH) benefit

Answer

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:

Accepted Answer

Request an internal review or appeal through SGI's dispute resolution process

Answer

SGI has an internal review and appeal process that claimants must generally use before pursuing external remedies.

SGI - Saskatchewan Government Insurance Corporation Practice Test

SGI - Saskatchewan Government Insurance Corporation Practice Test

SGI Restricted Auto Basic 4