Collisions, insurance and registration in Saskatchewan
In Saskatchewan, your basic auto insurance comes with your licence plates. It is compulsory and provided by SGI. Knowing what it covers, and what to do after a collision, protects you and others.
This page covers the steps at a crash scene, when you must report to police, how to make a claim and the basics of registering a vehicle.
By the end of this topic you can
- You can make a collision scene safer and check for injuries.
- You can decide when a collision must be reported to police.
- You can exchange the right information with other drivers.
- You can report a claim to SGI.
- You can explain basic plate insurance and registration rules.
What you need to know and understand
- Report immediately to police any crash with injury or death, a hit and run, an impaired driver, an out-of-province vehicle, or a vehicle that must be towed.
- Give your name, address, driver's licence number and plate number to others involved in any collision.
- Do not admit fault before talking to your insurance adjuster.
- Basic plate insurance includes collision and comprehensive, personal injury and liability coverage.
- Plate insurance provides up to $200,000 in liability coverage.
- Residents get No Fault injury coverage unless they choose Tort coverage.
- New residents have up to 90 days to register their vehicle in Saskatchewan.
At the scene
- Stop. Turn on hazard lights and make the scene safe. Turn off ignitions if fuel has spilled.
- Check for injuries and call 9-1-1 if anyone is hurt. Move injured people only if they face immediate danger such as fire.
- Call police if the crash must be reported.
- Exchange names, addresses, licence numbers and plate numbers. With a non-Saskatchewan vehicle, also share insurance company details.
- Note witnesses and take photos of the scene, vehicles and road conditions.
- Report the claim to SGI online or by phone, and arrange an appraisal.
Power lines
If your vehicle touches a power line, stay inside and call SaskPower or 9-1-1. If fire forces you out, jump clear with feet together, do not touch the vehicle, and hop at least 10 metres away. If you come upon such a crash, park at least 10 metres away and keep others back.
How plate insurance works
If you are at fault, you pay your deductible. If you are not at fault, the at-fault party's insurance usually covers it. With shared fault you pay your share. Extended insurance from a broker can raise your liability limit and lower your deductible. Deductible amounts can change, so check the current amount with SGI. Our guide to SGI auto insurance for new drivers goes deeper.
- Collision and comprehensive: damage to your vehicle from collisions, hail, fire or theft, minus your deductible.
- Personal injury: benefits if you are hurt or killed in a collision anywhere in Canada or the United States.
- Liability: covers damage or injury you cause to others, up to $200,000.
Registration and plates
Every vehicle must be registered for its purpose and display the right plate, firmly attached at the rear and not obscured. You buy basic insurance when you register and pay for your plates. Tell SGI within 15 days if you change your name or address.
Common mistakes
- Leaving the scene before exchanging information.
- Saying sorry, it was my fault before speaking to an adjuster.
- Not calling police when a car has to be towed.
- Getting out of a car touching a power line.
Test yourself: Collisions, insurance and registration in Saskatchewan
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Sources: Saskatchewan Driver's Handbook: A guide to safe driving, 2026-27 edition (SGI, Saskatchewan Government Insurance), sections 2.2 Vehicle registration and auto insurance, 2.4 Change of name or address and 6.12 What to do if you're in a collision. Independent guide, not affiliated with any licensing agency. Always check the latest official rules with your province or territory.