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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A deductible is:

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

The maximum amount your insurance will pay

A discount for having no claims

A penalty added to your premium after a collision

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If another identifiable Saskatchewan driver is responsible for your damage:

You can only claim for half of your repair costs

SGI will not pursue them

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

You must still pay your deductible

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The maximum liability coverage provided by basic plate insurance is:

$500,000

$50,000

$1,000,000

$200,000

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Basic minimum auto insurance coverage in Saskatchewan is:

Only required for drivers under 25

Only required for commercial vehicles

Optional and purchased only if requested

Required by law and purchased with licence plates and registration

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How must licence plates be attached and displayed?

Displayed only when driving outside the city

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

Attached only at the rear and can be partially covered

Placed on the dashboard for easy removal

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

Only half of the repair bill

Nothing, because you are at fault

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

The full $2,000

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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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In a hit and run, your damages are:

Covered only for personal injury, not vehicle damage

Covered for the amount in excess of your deductible

Covered only if the collision occurs at night

Not covered unless you identify the driver

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

6 months

1 year

30 days

Up to 90 days

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Plate insurance provides basic coverage in which three areas?

Mechanical breakdown, maintenance, and roadside assistance

Fire, theft, and towing

Collision and comprehensive, personal injury, and liability

Roadside assistance, rental car, and glass repair

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

Anywhere in Canada or the United States

Only in Canada

Only in the province or state where the vehicle is registered

Only within Saskatchewan

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Under No Fault Coverage, you can sue:

Only for vehicle damage

For certain expenses not covered and income loss exceeding plan benefits

Only if the collision occurs outside Saskatchewan

For pain and suffering in all cases

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

Tort Coverage

No Fault Coverage

Neither, until they file a choice

A combination of both

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In most single-vehicle collisions, the driver:

Does not pay a deductible

Only pays if another vehicle is involved

Shares the deductible with SGI

Is responsible and must pay their own deductible

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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

You pay nothing; the other driver pays all

The deductible is split 50/50 regardless of fault

You pay your full deductible

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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 deductible applies because there is no responsible party to pursue

The government pays the entire cost

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Tort Coverage provides:

No benefits if you are more than 50% at fault

Benefits only for pain and suffering

A basic package of benefits regardless of collision circumstances

Only death benefits

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

Is not covered at all

Is covered with no deductible

Is covered subject to the deductible

Is treated as a hit and run

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

The other driver pays your deductible

You pay no deductible but lose coverage

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

You pay only half your deductible

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Additional auto insurance coverage (Auto Pak) is:

Only for luxury vehicles

Tailored to your needs and purchased on a separate policy

Only available from SGI directly

Automatically included with plate insurance

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No Fault Coverage provides:

A comprehensive package of benefits regardless of collision circumstances

Benefits only if another driver is identified

No benefits if you’re at fault

Only medical coverage if you’re not at fault

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

Only within 100 km of Saskatchewan

Anywhere in Canada or the United States

Only in Saskatchewan

Only in Western Canada

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

You always pay your full deductible

You can only recover costs through a lawsuit

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

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Collision and comprehensive coverage is also known as:

Uninsured motorist coverage

Medical payments coverage

Physical damage coverage

Personal liability coverage

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

Only if the other driver is uninsured

Subject to a $5,000 deductible

With no deductible

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

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

Allowed only if both drivers agree

Generally not allowed except in very limited circumstances

Always allowed with no deductible

Never allowed under any circumstances

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All vehicles in Saskatchewan must be registered according to:

The driver’s age

The colour of the vehicle

The number of passengers it carries

Their purpose and must display the appropriate licence plate

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

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

Your driver’s licence is automatically cancelled

You cannot drive outside Saskatchewan

Your vehicle will not be allowed on highways

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

Eliminate the need for a deductible in all situations

Increase liability limits beyond the minimum $200,000

Cover only minor scratches and cosmetic damage

Replace basic plate insurance entirely

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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

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.