Public Auto — Saskatchewan (SGI) Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for Public Auto — Saskatchewan (SGI) (SK), Canada.

Public Auto — Saskatchewan (SGI)

Saskatchewan's public auto insurance is administered by SGI (Saskatchewan Government Insurance) through the Auto Fund. Claims are governed by The Automobile Accident Insurance Act (AAIA) and its regulations, not the general Insurance Act — AAIA s. 84(1) expressly excludes the Insurance Act from applying.

Key Requirements

Acknowledgment

Injury claims must be filed within 2 years of the collision. The signed Application for Injury Benefits and income loss application (if applicable) must be complete before merits adjudication begins. The authorization page must be read, dated, signed, and witnessed.

Denial

SGI must issue written decisions on benefit claims. Appeal periods run from the claimant's receipt of the written decision: generally 90 days, or 180 days for certain fault/non-resident/impaired/intentional-use scenarios.

Payment Timing

  • Injury benefits: 60 days after receipt of proof of claim (except loss-of-income)
  • Vehicle damage: Traditional insurance-style statutory conditions on notice, proof of loss, and payment timing

Mandated Forms

  • Application for Injury Benefits: Must be dated, signed, with unaltered release
  • Application for income loss benefits: Required if wage loss is claimed
  • Authorization page: Must be read, dated, signed, and witnessed

Mediation

Claimant may give written notice requesting mediation. Mediator must be agreed within 15 days after SGI receives the request. When mediation ends, the mediator provides a written completion statement starting a fresh appeal clock.