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.