Campbell & Haliburton Shares Information From SGI Regarding Basic Auto Damage Insurance

Dec 27, 2021

In our latest Campbell & Halliburton Regina auto insurance tip, we share Information From SGI about basic auto damage insurance.

Basic auto damage insurance

When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

  • coverage for damage to your vehicle, subject to a deductible
  • personal injury insurance from a vehicle collision
  • liability insurance for damage your vehicle causes to another vehicle or property, or injury to others
Vehicle damage and your deductibleThe physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

Class Vehicle Type Deductible
Class A Light vehicles (under IRP) $700
  • Heavy trucks
  • Heavy cargo vans
  • Power units
 $2,500
  • Pro-rated heavy trucks
  • Cargo vans
  • Power units
 $15,000 (optional)
Class C
  • Heavy trucks
  • Heavy cargo vans
  • Power units
 $700
Class D
  • Heavy trucks
  • Heavy vans
  • Power units
 $700
Class LV
  • Passenger vehicles
  • Motorcycles
  • Motorized bicycle/pedal cycle
  • Antiques
  • $700
  • $700
  • $350
  • $500
Class MT Snowmobiles Not applicable1
Class PV
  • Heavy trucks
  • Heavy vans
  • Power units
 $700
Antiques $500
Class TS
  • Trailers
  • Semi-trailers
 $500
Class T
  • All trailers (except metal or fibreglass/other cabin trailers
 $400
  • Metal cabin trailer
  • Fibreglass/another cabin trailer
  • Based on customer declared value:
  • Valued at $1,000 or less – $400
  • Valued at $1,001 or less – $500

 

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.

Situation Pay deductible? Details
You’re responsible for the collision Yes If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision No The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision No If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged Yes – you pay half If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan Yes You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a:

  • hit and run
  • storm
  • fire
  • collision with an animal
  • single-vehicle collision
 Yes You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you’re eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:

  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision – $2,200 less your $700 deductible

If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle’s window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:

  • damage to personal property
  • physical injury or death to another person
  • a victim’s lost or potential income

Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you’d like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage.

Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the Auto injury insurance page.

Examples of coverage

Example 1: You’re responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

Total cost of other driver’s injuries and repairs $15,000
Total paid by SGI $15,000
Total paid by you $0

Example 2: In the same collision as above, your vehicle also needs a few repairs:

Total cost of repairs to your vehicle $1,000
Total paid by you (deductible) $700
Total paid by SGI $300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.

 
 

As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact us at Campbell & Haliburton Insurance. We would love to help you.

Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Trusted Regina insurance brokers

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)