In our latest Campbell & Halliburton Regina auto insurance tip, we share Information From SGI about basic auto damage insurance.
Basic auto damage insurance
- 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
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 A||Light vehicles (under IRP)||$700|
|Class MT||Snowmobiles||Not applicable1|
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.
|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:
||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.
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.
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.
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.
**(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.)