Chapter 1-2: Vehicle registration

The “Vehicle Registration” section of the Saskatchewan Driving Practice Test explains the legal requirements for registering vehicles in Saskatchewan.

Saskatchewan Driving Test - Chapter 1-2: Vehicle registration

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Collision and comprehensive coverage is also known as:

Personal liability coverage

Medical payments coverage

Uninsured motorist coverage

Physical damage coverage

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Tort Coverage provides:

Only death benefits

No benefits if you are more than 50% at fault

A basic package of benefits regardless of collision circumstances

Benefits only for pain and suffering

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Plate insurance provides basic coverage in which three areas?

Fire, theft, and towing

Collision and comprehensive, personal injury, and liability

Roadside assistance, rental car, and glass repair

Mechanical breakdown, maintenance, and roadside assistance

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If you are at fault in a multiple-vehicle collision:

You pay no deductible but lose coverage

You pay only half your deductible

You are responsible for your full deductible, and your plate insurance pays the other driver’s deductible and damage

The other driver pays your deductible

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The Personal Auto Injury Insurance program covers Saskatchewan residents injured in automobile collisions:

Only in the province or state where the vehicle is registered

Only within Saskatchewan

Only in Canada

Anywhere in Canada or the United States

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A deductible is:

The amount you must pay before licence plate insurance benefits pay remaining costs

A penalty added to your premium after a collision

A discount for having no claims

The maximum amount your insurance will pay

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The maximum liability coverage provided by basic plate insurance is:

$200,000

$50,000

$1,000,000

$500,000

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Additional auto insurance coverage (Auto Pak) is:

Tailored to your needs and purchased on a separate policy

Only available from SGI directly

Only for luxury vehicles

Automatically included with plate insurance

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No Fault Coverage provides:

A comprehensive package of benefits regardless of collision circumstances

No benefits if you’re at fault

Benefits only if another driver is identified

Only medical coverage if you’re not at fault

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New residents have how long to register their vehicle in Saskatchewan?

Up to 90 days

6 months

1 year

30 days

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Liability coverage protects you if:

You need roadside towing

Your vehicle suffers hail damage

Your vehicle is stolen

You and/or your vehicle are responsible for injuries to others or damage to their property

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A major financial risk of not having enough liability coverage, even with No Fault injury coverage, is:

Your driver’s licence is automatically cancelled

Your vehicle will not be allowed on highways

You may have to pay a portion of your earnings for many years if you are sued and held responsible

You cannot drive outside Saskatchewan

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Under No Fault Coverage, you can sue:

Only for vehicle damage

For pain and suffering in all cases

Only if the collision occurs outside Saskatchewan

For certain expenses not covered and income loss exceeding plan benefits

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With only compulsory plate insurance, a collision with an animal:

Is covered with no deductible

Is treated as a hit and run

Is not covered at all

Is covered subject to the deductible

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How must licence plates be attached and displayed?

Securely attached and clearly visible, not obstructed from being read or photographed

Placed on the dashboard for easy removal

Attached only at the rear and can be partially covered

Displayed only when driving outside the city

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Under No Fault Coverage, suing for pain and suffering is:

Generally not allowed except in very limited circumstances

Never allowed under any circumstances

Always allowed with no deductible

Allowed only if both drivers agree

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If another identifiable Saskatchewan driver is responsible for your damage:

SGI will not pursue them

You can only claim for half of your repair costs

Their insurance pays your damage, including your deductible and reasonable out-of-pocket expenses

You must still pay your deductible

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One key purpose of extended auto insurance (Auto Pak) is to:

Eliminate the need for a deductible in all situations

Cover only minor scratches and cosmetic damage

Increase liability limits beyond the minimum $200,000

Replace basic plate insurance entirely

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Saskatchewan residents are automatically covered with which auto injury option unless they choose otherwise?

A combination of both

Neither, until they file a choice

Tort Coverage

No Fault Coverage

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Personal injury benefits for Saskatchewan residents apply if they are injured or killed in an automobile collision:

Only in Western Canada

Only within 100 km of Saskatchewan

Anywhere in Canada or the United States

Only in Saskatchewan

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If responsibility for a collision is shared (e.g., you are 25% at fault):

You pay 25% of your deductible if your vehicle is damaged

The deductible is split 50/50 regardless of fault

You pay nothing; the other driver pays all

You pay your full deductible

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All vehicles in Saskatchewan must be registered according to:

Their purpose and must display the appropriate licence plate

The driver’s age

The colour of the vehicle

The number of passengers it carries

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In most single-vehicle collisions, the driver:

Is responsible and must pay their own deductible

Shares the deductible with SGI

Does not pay a deductible

Only pays if another vehicle is involved

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Extended auto insurance can provide which of the following benefits?

Replacement cost coverage, rental vehicle coverage, reduced deductibles, and topped-up injury coverage

Coverage only for international travel

Free fuel and maintenance for the vehicle

Free driver training courses

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For storm or weather-related damage, such as hail or a tree falling on your vehicle:

You can recover the deductible from the city

The deductible is always waived

The government pays the entire cost

The deductible applies because there is no responsible party to pursue

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In a hit and run, your damages are:

Covered for the amount in excess of your deductible

Covered only if the collision occurs at night

Covered only for personal injury, not vehicle damage

Not covered unless you identify the driver

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Under Tort Coverage, you can sue for pain and suffering:

Only if the other driver is uninsured

Only if you are 100% not at fault, with no deductible

Subject to a $5,000 deductible

With no deductible

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Basic minimum auto insurance coverage in Saskatchewan is:

Optional and purchased only if requested

Required by law and purchased with licence plates and registration

Only required for drivers under 25

Only required for commercial vehicles

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If your deductible is $700 and you cause $2,000 damage to your vehicle, SGI will pay:

The full $2,000

Only half of the repair bill

Nothing, because you are at fault

$1,300, after you pay the first $700

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If you are not at fault in a multiple-vehicle collision:

Each driver pays half their deductible

You generally do not pay the deductible; the at-fault party is responsible for your damage including your deductible

You always pay your full deductible

You can only recover costs through a lawsuit

Your score is

This section explains the process for registering a new or used vehicle, the required documents, and the importance of keeping the registration up to date. This section also highlights the necessity of displaying valid licence plates and maintaining proof of registration while driving. Understanding vehicle registration rules helps drivers avoid fines and ensures their vehicles are legally permitted on the road. By practicing this section, individuals gain valuable knowledge that contributes to responsible vehicle ownership and compliance with Saskatchewan’s traffic regulations.