You were crossing at a corner on the way to work, or walking the kids to school before the sun was up, or stepping out of a parking lot at the end of the day. The driver didn't see you. You weren't in a car at all, and now you're the one dealing with insurance.
If you live in Saskatchewan and a vehicle hits you while you're walking, SGI's injury coverage applies whether or not you own a car or drive. Call 911 if you're hurt, report your claim to SGI as soon as you can, and start a dated record of your symptoms that day.
Being on foot doesn't put you outside the system. It puts you at the centre of it, because you had nothing around you when it happened.
Is a pedestrian covered after being hit by a car in Saskatchewan?
Yes, and how you're covered depends on a choice you may not know you have. Every Saskatchewan resident automatically has No Fault Coverage through SGI unless they chose Tort Coverage instead, and you can make that choice even if you don't own a vehicle or hold a licence. The coverage you have on the day of the crash is the one that applies, whatever anyone else involved has.
Under No Fault, SGI pays up to $8,524,604 for medical and rehabilitation care, and 90 percent of your net income if you can't work, based on gross income of up to $119,692 a year. Tort Coverage pays much less in benefits, up to $33,362 for medical and rehabilitation care, in exchange for a broader right to sue. Our article on No Fault or Tort explains the difference.
Why are Saskatchewan's Winter walks so dark?
Because the province stays on Central Standard Time all year, Winter mornings start late and the evenings close in early. In Regina, the sun rises after 8 a.m. every day from 7 November to 20 February. In Saskatoon, it's after 8 a.m. from Halloween to late February.
From late November to Christmas, the sun also sets before 5 p.m. in both cities. For those weeks, the walk in and the walk home both happen in the dark. Around the shortest day, it's still dark at 8 a.m., and the sun won't rise until about 8:56 a.m. in Regina and 9:13 a.m. in Saskatoon.
Where pedestrians are hit matters too. In 2025, 196 people in Saskatchewan were injured and 14 were killed in pedestrian collisions, and nearly 65 percent of those collisions happened at intersections, according to SGI.
Out trick-or-treating? If a child is hit by a car
Halloween falls in the riskiest stretch of the year for children on foot. Across Canada, more children under 15 are hurt as pedestrians in October than in any other month, with November close behind, and nearly a quarter are hurt in those two months, according to Transport Canada collision data for 2021 to 2023. This year Halloween falls on a Saturday, so trick-or-treaters will share the streets with Saturday-night party traffic. If the worst happens, here is what to do.
Call 911 and stay with your child. In Saskatchewan, any collision with an injury has to be reported to police right away, even if the driver says it was nothing.
Get your child checked the same day. Children often can't describe what hurts, and a fall onto pavement can hide an injury that shows up later. Tell the doctor your child was hit by a vehicle.
Be the one who keeps the record. Write down what your child said, how they slept, any change in mood or behaviour, and every school day missed. The record you keep is what shows how the weeks went. Our article on what families should write down goes further.
Report the claim to SGI. Children who live in Saskatchewan are covered like anyone else hurt by a vehicle. Reporting promptly means treatment doesn't have to wait.
Whose insurance does a pedestrian claim through in Saskatchewan?
SGI. Injury coverage for Saskatchewan residents comes through SGI, so you claim there whether or not you have a car or a vehicle registration.
If you were working when you were hit, the WCB is the first insurer, so report to the WCB first. SGI may top up your WCB benefits.
If the driver left the scene, report it to police right away, then report your claim to SGI. Note anything that could identify the vehicle, and ask witnesses for their details.
The Saskatchewan MVA Companion Guide sets out who to contact, along with the forms and the deadlines.
Does it matter who was at fault?
Not for your benefits under No Fault. SGI pays them no matter who caused the crash. You can still sue the driver who caused it for economic losses beyond what the plan pays, and for pain and suffering only in limited cases, such as a driver convicted of impaired driving.
Under Tort Coverage, if you weren't completely at fault, you can sue for losses your benefits don't cover, with a $5,000 deductible on any payment for pain and suffering. Either way, a lawsuit has to start within two years of the crash.
If you disagree with an SGI decision, you have 90 days to appeal to the Automobile Injury Appeal Commission or the Court of King's Bench, and the Commission can't extend that deadline.
Why do pedestrian injuries need extra care?
Because there's nothing between you and the vehicle. No seatbelt, no airbag, no frame. Even a slow impact can mean a fall onto pavement, a head injury or a knee or hip that takes the full force.
Adrenaline hides a lot at the scene. Many people stand up, say they're fine and walk home, then wake up the next morning unable to move. Our article on why car accident injuries sometimes appear days later explains why, and why the date a symptom first appears matters so much.
What should you do in the first week?
Four things, in this order.
Get assessed, even if you feel alright. Tell the doctor you were hit by a vehicle while walking, and describe every symptom, including the small ones. That first visit is the starting point everything else is measured from.
Make sure police know. A collision with an injury has to be reported to police right away. If police didn't come to the scene, call them: Regina Police at 306-777-6500, Saskatoon Police at 306-975-8300, or the RCMP at 310-7267 elsewhere in the province.
Report your claim to SGI. Call 1-844-855-2744 as soon as you can. You'll fill in an Application for Injury Benefits, signed in front of a witness, and you have two years from the crash to file it. Go to every treatment appointment, because missed ones can affect your benefits.
Start writing things down. Nobody else records the days between appointments. That part is yours.
What are you allowed to do?
You are allowed to make a claim even though you weren't in a vehicle.
You are allowed to see a doctor days later and say the pain arrived after the crash rather than at it.
You are allowed to say you're afraid to cross that street now, and to have that written into your file alongside the physical injuries.
You are allowed to change your route, or wait for daylight, while you recover.
You are allowed to ask a family member to keep notes for you if writing is hard right now.
What should you record after being hit while walking?
| What to record | Why it helps |
|---|---|
| Where you were, which way you were walking and the light and weather | Sets out how it happened while your memory is clear |
| The vehicle, the driver's details and any witnesses | Hard to find again later, easy to note on day one |
| Your coverage, No Fault or Tort, and your SGI claim number | Decides what SGI pays and whether you can sue |
| Every symptom and the date it first appeared | Connects each injury to the collision |
| Every appointment, and any you had to cancel | Shows treatment running continuously |
| What you couldn't do that week that you could do before | Turns the injury into something another person can measure |
The National MVA Recovery Guide is built for anyone hurt in a collision, whether you were driving, riding or walking. It gives every symptom a date and every appointment a page.
Keep your recovery in one place
The National MVA Recovery Guide holds your whole recovery. The Saskatchewan MVA Companion Guide adds SGI, the forms and the deadlines in Saskatchewan.
Why use Hurt Square?
Because a pedestrian's injuries are often more serious, and the details of the day are hard to rebuild later. Hurt Square guides give you one place to keep it all.
- The day it happened, and every day after. The National MVA Recovery Guide has space for the first hours after your accident, daily pain and symptom tracking, every appointment and every expense, for anyone hurt by a vehicle.
- Saskatchewan's rules, in plain words. The Saskatchewan MVA Companion Guide holds the SGI deadlines, forms and steps in Saskatchewan.
- Made for hard days. 192 pages and more than 1,600 fillable fields that work on your phone, tablet or computer, in plain language.
Both guides, $39 until 22 November. The National MVA Recovery Guide and the Saskatchewan MVA Companion Guide, with the discount applied at checkout. Bought separately: $63.99.
Get both guidesRead next
- “The Intersection Was Pure Ice!” | Hurt in a Saskatoon or Regina Winter Crash? What to Document This Week
- “I Was Hurt in a Crash in Saskatchewan!” | No Fault or Tort: Which SGI Coverage Do You Have?
- Recovering After a Car Accident in Saskatchewan: A Complete Guide
- “I Got the Call About My Teen!” | Your Teen Was in a Car Accident: What Families Should Write Down
- “I Felt Fine. Now I Hurt!” | Why Car Accident Injuries Sometimes Appear Days Later
Last verified 25 October 2026. Coverage, 2026 benefit amounts, the two-year limits and police reporting from SGI's 2026 coverage guides and Driver's Handbook; appeal times from the Automobile Injury Appeal Commission; WCB rules from WCB Saskatchewan; the time zone from the Government of Saskatchewan; police numbers from the Regina and Saskatoon police services and the RCMP; 2025 pedestrian figures from SGI; child pedestrian figures from Transport Canada's National Collision Database, 2021 to 2023; sun times calculated for Regina and Saskatoon. This article is general information for people in Saskatchewan. It is not medical, legal or insurance advice.
