How to file a vehicle claim online using MySGI

How to File a Vehicle Insurance Claim Online Using MySGI

Filing an auto insurance claim can be a stressful experience, especially in the aftermath of an accident or vehicle damage. By understanding the proper steps to file your claim with SGI, you can navigate the process more smoothly and with greater confidence.

Table of Contents

  1. 01
    Immediate Post-Accident Steps
  2. 02
    Finding Your Insurance Coverage
  3. 03
    Reviewing Your Policy Details
  4. 04
    Contacting SGI to Report Your Claim
  5. 05
    Vehicle Inspection Process
  6. 06
    Additional Steps and Considerations

Immediate Post-Accident Steps

Take a Minute to Assess

After being involved in a collision, take a few moments to assess the damage to your vehicle. Document the damage by taking clear photos from multiple angles for your records. Once you’ve examined the damage, determine whether your vehicle is safe to drive.

If you have any doubts about its drivability, it’s best not to operate it and arrange for alternative transportation.

Safety First:

If the accident occurred on a busy road, ensure you and any passengers move to a safe location if possible. If your vehicle is creating a hazard and can be safely moved, relocate it to the shoulder or a nearby parking area. Your safety is the top priority.

Finding Your Insurance Coverage

Many Saskatchewan drivers are uncertain about what type of auto insurance coverage they have beyond the basic plate insurance. Auto Pak or other additional coverage is supplemental to the standard vehicle registration insurance and provides enhanced protection.

How to Verify Your Coverage:

Reviewing Your Policy Details

Key Policy Info to Have Ready

Before initiating the claims process, locate and note down your policy number. You’ll need to provide this information multiple times throughout the claims process and at the repair shop.

It’s also beneficial to review the following coverage details, as they’ll affect your claim:

  • Collision deductible amount
  • Comprehensive deductible amount
  • Road hazard glass coverage
  • Loss of use coverage
  • Liability coverage limits

Broker Tip:

Consider printing out your policy number or emailing it to yourself for easy access throughout the claims process.

Contacting SGI to Report Your Claim

Regardless of which type of auto policy or coverage you have, SGI is your first point of contact for reporting a claim in Saskatchewan.

How to Contact SGI:

  • By Phone: Call 1.844.855.2744 (available 24/7)
  • Online: Use SGI’s Auto eClaim service, which is fast, easy, and mobile-friendly
  • In Person: Visit the nearest SGI auto claims centre

Information You’ll Need to Provide

When filing your claim, be prepared to provide the following details:

  • What caused the damage to your vehicle
  • When the incident occurred
  • Your policy number
  • Your license plate number
  • Whether another motorist was involved
  • The current drivability status of your vehicle

Broker Tip:

If your accident involved another driver, draw a diagram of the scene while the details are still fresh in your memory. Include the location of the incident and indicate the contact points between the vehicles. This information can be valuable for the claims process.

Vehicle Inspection Process

Booking Your Inspection

After reporting your claim, you should schedule an appointment to have your vehicle inspected.

For certain types of claims, such as those related to windstorm or hail damage, it’s particularly important to get a vehicle inspection as soon as possible to document the extent of the damage.

If Your Auto Policy is Not with SGI Canada:

If your insurance policy is with another company, such as Portage Mutual, Sandbox Mutual (SMI) or Optiom, you must:

  1. Contact your brokerage to inform them of your claim
  2. Provide them with your SGI claim number
  3. Your brokerage will report it to your insurance company and open a claim file

Important Notice:

Alerting your insurance company early will prepare them to receive your insurance report and any receipts for damages. Failing to complete this step can cause delays in processing your claim.

Additional Steps and Considerations

Vehicle Registration During Claims Process

We recommend maintaining your vehicle registration while the claim is being processed. Consult with your adjuster about when or if you can cancel the registration, which typically depends on whether the vehicle is deemed a total loss or can be repaired.

Frequently Asked Questions About Auto Claims

How long does the claims process typically take?

The duration of an auto claim process varies depending on the complexity of the claim, the extent of damage, and whether other parties are involved. Simple claims might be resolved in a few days, while more complex situations could take several weeks. Maintaining patience throughout the process is essential.

What should I do if I disagree with the settlement amount?

If you disagree with the settlement amount offered, first discuss your concerns with your adjuster. If you’re still not satisfied, contact your broker, who can advocate on your behalf. In some cases, you may need to provide additional documentation or evidence to support your position.

Make a Claim →

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