Regina car insurance

Regina is the capital of Saskatchewan and the second most populated city in the province. It’s a great midway point between Winnipeg and Calgary on the Trans-Canada Highway which caresses the eastern side of the city.

Car insurance is a requirement across Canada and each province has their own coverage requirements. For drivers in Regina, auto insurance is provided through Saskatchewan Government Insurance (SGI), a crown corporation, which provides basic “plate” insurance.

Regina typically uses a no-fault insurance system, which means you'll only ever deal with your insurance company, regardless of who is at fault. 

However, you can opt for Tort coverage instead which allows you to sue the at-fault driver for damages beyond what is included in the standard coverage. Tort means you also opt out of the Personal Injury Protection Plan (PIPP).

Mandatory car insurance in Regina

• Third-party liability - in case you injure someone or damage someone else's property (e.g. car) 
• Accident benefits  - Pays for injuries as a result of a traffic accident
• Uninsured automobile - If the other at-fault driver has no insurance, this covers your costs. 

Optional Regina insurance

The mandatory third-party liability coverage through SGI has a minimum limit of $200,000, but each driver has the option to increase their liability coverage up to $5 million.  You can also increase your accident benefits. Though SGI is the sole provider of basic insurance in the province, you can still buy optional coverage from car insurance companies like CAA, Wawanesa, or RSA. 

You can also add the following

• Collision - protects your personal car if you're at fault in an accident
• Comprehensive - protects your car from risks such as hail, fire, theft, wind or lightning. 
• All Perils  - a combination of collision and comprehensive. 

If you're at fault in a collision, you'll have to pay the standard plate insurance deductible of $700 before SGI pays the rest.