SGI Restricted Auto Basic 2 — Questions and Answers
Question 1: Under SGI's Restricted Auto Basic coverage, which of the following losses is NOT covered?
- Damage caused by fire
- Damage caused by theft
- Collision damage when the driver is at fault (Correct answer)
- Damage caused by explosion
Correct answer: Collision damage when the driver is at fault
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?
- The claim is paid under collision coverage
- The claim is paid under animal collision (comprehensive) coverage (Correct answer)
- The claim is denied because wildlife strikes are excluded
- The driver must pay the full repair cost
Correct answer: The claim is paid under animal collision (comprehensive) coverage
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:
- A private insurance company of the driver's choice
- SGI (Saskatchewan Government Insurance) (Correct answer)
- The federal government
- The municipal government where the vehicle is registered
Correct answer: SGI (Saskatchewan Government Insurance)
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?
- It increases the total payout the driver receives
- It is the amount SGI pays before coverage begins
- It is the amount the insured must pay out-of-pocket before insurance covers the rest (Correct answer)
- It eliminates the need to file a claim
Correct answer: It is the amount the insured must pay out-of-pocket before insurance covers the rest
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:
- A tort-based lawsuit against the at-fault driver
- SGI's no-fault injury system (Correct answer)
- Private health insurance only
- Workers' compensation only
Correct answer: SGI's no-fault injury system
Saskatchewan operates a no-fault injury benefit system where injured parties receive benefits from SGI regardless of fault.
Question 6: A vehicle registered in Saskatchewan must carry at minimum which type of liability coverage?
- $50,000 third-party liability
- $200,000 third-party liability (Correct answer)
- $500,000 third-party liability
- No minimum — liability is optional
Correct answer: $200,000 third-party liability
Saskatchewan requires a minimum of $200,000 in third-party liability coverage as part of the basic plate insurance.
Question 7: Which term describes the SGI program that allows drivers to reduce their premiums by accepting a higher deductible?
- Premium Saver Plan
- Safe Driver Recognition
- Rate Reduction Agreement
- High Deductible Option (Correct answer)
Correct answer: High Deductible Option
SGI offers a High Deductible Option where policyholders choose a larger deductible in exchange for lower premiums.
SGI Restricted Auto Basic 2
Under SGI's Restricted Auto Basic coverage, which of the following losses is NOT covered?