SGI Auto Insurance Reviews

I have lived in Alberta and in the United States and this is by far the worst insurance experience I've had. As it is a government owned insurance company and the only option available, you are forced to be insured by them while they do whatever they can to get themselves the most money. My parked vehicle was hit in a parking lot resulting in a dent on my rear passenger quarter panel. The man responsible called SGI to report the accident but it was deemed a "no-fault" collission. My car was still driveable (no structural damage) but the damage was extremely overvalued and my car was deemed a "total loss". I bought it back as advised by an autobody shop because the repairs wouldn't cost nearly what SGI claimed they would. SGI would not cover the cost of a rental vehicle while my car was in the shop even though the website says "The cost of a rental vehicle is covered if: You're not at fault for the collision and you require a replacement vehicle, providing the at-fault driver's insurance coverage is in order"
This clause does not apply to all vehicles or cases!!
In general, they do whatever they can to keep as much money for themselves even if you are not at fault, are slow at returning calls, and provide vauge information on your claim and their services unless you know specifically what to ask for. I was very disappointed with this whole experience and upset that this is the only option available to people living in Saskatchewan.

Just when I thought things couldn’t get worse, SGI made them worse. We had an unfortunate incident with a piece of our insured property getting damaged. SGI begrudgingly paid for the damages, but, they are now threatening to sue the individual supposedly “at fault” for causing the damage.

So, my neighbor decided to make a claim against me for something I did not do. In the end SGI found me guilty and I had to pay for something i did not do. I even got a paint match which came back negative and I was still at fault...

I talked to one of their customer service representatives and honestly, the experience was absolutely terrible. They were so judgemental and one even laughed at me while I was making my claim. I am sorry, but when someone is in distress and talking about an accident, that is not the way to speak to them. And the person I spoke to acted like she knew exactly what happened and wouldn't even listen to me. And when I requested to draw a diagram for them they refused my request because they said that I was lying. If they weren't a requirement by the government, they would have no customers because they are the worst insurance company in existence.

My ex-wife and I jointly owned a 2003 Ford F250 4x4 diesel with about 167,000km that got stolen from outside the mechanic's shop at the end of July 2017. It was recovered August 2. The damage consisted of a punched-in key hole on the passenger side door, and the cover/lock on the ignition had been removed.

We were a bit surprised when SGI almost immediately told us it was being written off. We figured the truck was worth at least $12,000, maybe up to $15,000 with the recent engine rebuild. Our SGI adjuster, Chelsea Leonew, gave us an initial offer of $6355 on August 10. We told her that was unacceptable and it was worth twice that amount. We submitted the recent bill for an engine rebuild (about $5800), but that only increased SGI's offer to $7660. We submitted ads for similar trucks from Kijiji for SK, AB, and MB, but SGI didn't budge. We hired an independent appraiser and went to arbitration. That cost us about $350, but we ended up settling for $11,500, which we thought was fair.

Why did we have to spend $350 and a month in negotiation to arrive at a fair settlement? I had used the VMR Canada online calculator early in the process to see if we were off-base in thinking it was worth at least $12,000. The VMR Canada result confirmed we were being reasonable. However, I noticed that if you failed to check off the "HD Diesel V8" box, the value was pretty close to what SGI initially offered. I've got a gut feeling that someone at SGI made a keying error on the initial valuation. I've got no issue with someone making a mistake. It happens all the time. However, I've got plenty of issue with someone failing to recognize a mistake or trying to cover it up. We ended up with a final settlement that was 81% higher than the initial offer. Something was definitely wrong with the initial offers from SGI, beyond the expected low-ball. Why didn't someone at SGI go back and take a look at their calculations instead of wasting time and money going to arbitration?

Something really stinks at SGI when it comes to write-offs. I still don't think the vehicle should have been written off in the first place. As well, when the final settlement after arbitration is 81% higher than SGI's initial offer, and 50% higher than SGI's final offer, shouldn't SGI have to reimburse the cost of arbitration? It was pretty clear that one side wasn't coming to the table with clean hands.

I was recently in Sept, 2016, struck by an elderly 80+ year old driver at Reginas Cornwall Center. Opposing driver failed to yield to a designated turning arrow into the mall parkade. Since both vehicles appeared to be driveable by the looks of things, the police refrained from attending the scene. Shortly after driving my vehicle, I realize that the entire steering system and allignment was ruined due to opposing driver who hit my rear back tire. In a nutshell, I took a picture of the scene which I submitted to SGI. In the words of SGI, since both our statements varied and there were no independent witnesses, full fault could not be determined. Even if my evidence was fairly compelling, it was not without a doubt (how could it be?). Despite SGI knowing that one party is fully innocent, they imposed fault both ways, meaning I will be held responsible 50% for the collision in which I fully complied with the traffic laws. My 14-year old driving record is in jeopordey due to SGI's deplorable fault policy.

This is a cash grabbing scheme by SGI, which is also a government body and a business at the same time. SGI runs the entire driving industry here, from licensing to insurance- they cannot be avoided. Being found 50% at fault because SGI was unable to determine fault without a doubt to either party, will cost me points and tarnish my record. It also means I will be forced to pay one month of car rental and half the deductible of $700.

Saskatchewan needs better choices then SGI which is tantamount to a government mafia which needs to be dismantled in the name of privatization. As a crown corporation, they try to sell the idea they profited 45 million last year yet they did this on the backs and wallets of Saskatchewan residents, such as myself.

All I can say is that if you can avoid SGI it will be in your strongest benefit to do so, if you can't, continue to advocate and lobby your political representation for change which would permit private insurers to do business in Saskatchewan, allowing Sask residents to freedom of choice in whom they chose to do insurance business with.

Rude, compassionless, and unprofessional employees! Worst customer service I have ever experienced! I would think they would help victims?! We need something different in Saskatchewan!

I was in accident jan2 1900 hours another truck(ryder) hit me from behind and damaged the trailer and load restrainsts. I took the load to alberta delivered as per dispatch instruction with a damage front anddriver side window broken hood, hood hinge, electrical not working broken mirrows and vibration in the steering after the accident, On jan 6 I took the truck and trailer back to Saskatoon and phoned SGI. and had 3 sep shops look at the truck. the western star dealer told me the truck was a write off. I went back Ontario with the truck through mi with broken window no horn or broken hood hinge. I waited 2 weeks in Ontario for SGI. to look at the tractor both SGI. and my employer RSB knew wher the tractor was after 2 weeks RSB was wanting me to get some repairs done so I could bring the truck out to Saskatoon for SGI to look at it. the truck sat in sask atoon for 2 days waiting SGI to look ast it my uncle was very sick so they gave a load back to on. as my father brother had died. I took a week off for that and told SGI were the truck was. SGI. then waited a second week to tell me to bring the truck out to regina so that they could look at . I told the the truck might not make it they told me to limb the truck out or tow it out at my expense.

I Have a 2019 Lexus Nx300 f2 sport which was smoking in the garage for about 5 hours when my garage caught on fire... Ontario province... They didn't give me the rental same day, it was on 22nd of June, and on Monday when I reached their office because they were closed on weekends, the adjuster answer kinda surprised me when I said that I need a rental, she told me that I have 2 cars... Unprofessional at all... I pay insurance for both... After they ended up giving me rental on Monday when I called after hours and I returned it on Wednesday because we were going on vacation... Now I am trying to get a rental from 10 am and my adjuster seems to be ignoring me... Wish I can put - 100stars... Will switch my cars insurance after solving claim for sure... Been calling about 20 different numbers. Don't know what to do. My time worth more... Good thing my wife is a lawyer... Recording every call now...