Saskatchewan SGI Injury Claim Deadlines

The dates that govern an SGI injury claim in Saskatchewan. Free. No email required. For drivers, passengers, cyclists and people on foot.

Saskatchewan is the only province that lets you choose your own injury system, and almost nobody remembers which one they chose. That choice decides everything else on this page.

Are you on No Fault or Tort coverage in Saskatchewan?

No Fault, unless you actively changed it. Every Saskatchewan resident is automatically covered by No Fault injury coverage unless they chose Tort coverage and filed a declaration form to say so.

This is the first thing to establish, because the two systems behave completely differently. Under No Fault your benefits come from SGI whoever caused the collision, and SGI's decisions are challenged through mediation or the Appeal Commission. Under Tort your right to sue survives, though it is affected by whether you were responsible for the collision.

Find out before you need to know. Ask SGI which coverage is on your policy and get the answer in writing. Most people have never made the election and are therefore on No Fault without ever having thought about it.

How long do you have to appeal an SGI decision?

One hundred and one days from the date on the decision letter. That is an unusual number and it is worth writing on the letter itself the day it arrives, because nobody counts to a hundred and one by instinct.

Inside that window you can request mediation, which is optional, or appeal to the Automobile Injury Appeal Commission, an independent tribunal that hears No Fault benefit appeals and is separate from SGI.

Every decision letter is a clock starting. SGI issues written decisions on your entitlement as your claim progresses, and each one carries its own hundred and one days. Log the date each letter arrives and what it decided.

Can you appeal to both the Appeal Commission and the court?

No, and this is the trap. You cannot appeal to both the Automobile Injury Appeal Commission and the Court of King's Bench. You must pick one, and picking closes the other.

A decision of the Court of King's Bench binds both you and SGI, and a further appeal is available only where there is a question of law. Which means the route you choose in that hundred and one day window is effectively the only route you get.

That is a decision worth taking advice on rather than making alone under time pressure.

Can you add new information after SGI has decided?

Yes, and this is the part worth using. SGI receives and reviews new information at any time during the appeal or mediation process, and every decision letter invites you to send anything further that is relevant.

A decision you disagree with is often a decision made on an incomplete picture. If your symptoms changed, if a specialist saw something the first report missed, or if you can now show what you cannot do that you used to do, that is new information and it belongs on the file.

You are also assigned a Personal Injury Representative at SGI. Write down their name, their direct line and the date of every conversation you have with them.

Keeping the record these deadlines depend on

Saskatchewan runs on decision letters and one irreversible choice. Both depend entirely on you knowing what arrived, when it arrived and what it said.

Two things decide how an injury claim goes. What you wrote down and whether you did the right thing at the right time for where you live. The National Recovery Guide handles the first, the daily record of symptoms, appointments, calls and costs that a claim is eventually judged on. The Provincial Companion Guide handles the second, the deadlines on this page and the forms, boards and appeal routes behind them. People who have only one tend to end up with a careful record aimed at the wrong process, or the right dates and nothing to put in front of them.

Recovery First. Pressure Last.

See the Saskatchewan MVA Companion Guide

The scene checklist for the first three days is at hurtsquare.ca/72. It is free and asks nothing of you.

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This page is general information for people in Saskatchewan. It is not legal or medical advice. Rules differ by province and change over time. Confirm anything specific to your situation with a lawyer, SGI or the Automobile Injury Appeal Commission.