Motor vehicle collisions/SGI
If you are injured in a work-related motor vehicle collision, you may be eligible for WCB benefits. Read about the WCB’s agreement with SGI, what to do if your vehicle is registered to your employer and what to do if your vehicle is covered by SGI or other government insurance.
If you are injured in a work-related motor vehicle collision, you may be eligible for Saskatchewan Workers’ Compensation Board (WCB) benefits. Each work injury is considered on an individual basis. In most cases, compensation applies to injuries that occur when a worker is at work, on company premises or on company business.
A work-related motor vehicle collision may include when:
- Your reason for travel was for the purpose of your employer’s business.
- You were being paid for time or expense of travel.
The WCB has an agreement with Saskatchewan Government Insurance (SGI) on how to determine benefits for Saskatchewan residents who have been injured in motor vehicle collisions.
The Workers’ Compensation Act, 2013 (the Act) establishes the WCB’s authority to manage a compensation system for workplace injuries on behalf of workers and employers.
The Automobile Accident Insurance Act outlines SGI’s general rules and regulations for basic automobile insurance, including set benefit entitlements and coverage limits for people injured in a motor vehicle collision.
When a motor vehicle collision is work-related, it falls under the WCB’s jurisdiction and you may be eligible to receive WCB benefits. If the collision is not work-related, it falls under SGI’s jurisdiction.
The WCB is the first insurer if a workplace motor vehicle collision has occurred. If you think your collision is related to your employment, you must first submit your report to the WCB. If it is determined that the collision is not related to your employment, then an application can be pursued with SGI.
If you are injured in a work-related motor vehicle collision, there are three things you must do immediately.
If you’re self-employed, you will need to have WCB coverage to be eligible for WCB benefits.
Learn more about coverage options.
Employers: what to do when an employee is in a motor vehicle collision
Please include the following information necessary for adjudication when reporting the worker’s injury to the WCB on the Employer’s Initial Report of Injury (E1) form:
- where the collision took place
- the location the employee left
- the employee’s destination
Frequently asked questions
A: You should report the incident to the WCB. WCB staff will work with SGI to determine if the incident was work-related. Fill out a Worker’s Initial Report of Injury (W1) form and submit it to the WCB immediately.
A: If you have been involved in a work-related motor vehicle collision and are receiving benefits, or if your dependants are receiving benefits, you may qualify for a top-up of WCB benefits from SGI. This will be based on the current maximum amount of benefits available through the WCB.
A: If you are receiving WCB benefits and are injured in a non-work-related motor vehicle collision, you are entitled to SGI benefits. Your WCB benefits will be maintained until a mutual decision is reached as to which agency is responsible for ongoing assistance.
If you recover from your work-related injury and have no further benefits from the WCB other than for injuries from the non-work-related motor vehicle collision, your WCB benefits will be discontinued and your SGI benefits may continue.
A: No. SGI does not have special privilege to WCB worker information. Complete copies of an injured worker’s current or past WCB claim will not be provided to SGI.
A: If a motor vehicle collision results in a work-related fatality, SGI may provide a death benefit to the spouse. If this is the case, contact SGI for any top-up benefits.
A: The WCB will consider payment for extrication costs performed by municipal fire-and-rescue services or by urban fire departments performing services on behalf of a municipality when the vehicle’s driver is involved in a work-related travel incident.
SGI will be the first payer in all instances involving a licensed vehicle. The WCB will reimburse SGI for extrication services involving an injured worker.
If a third party other than SGI pays for extrication services, the third party may apply to the WCB for reimbursement of the expense or $1,000, whichever is less.
The WCB will cover the costs of:
- the Jaws of Life
- a crane
- a tow truck
- any other means of extrication considered acceptable by the WCB
The WCB will not cover the costs of:
- firefighters’ or volunteers’ time to be at the site
- traffic control
- cleaning of roads
- medical aid from first responders
- wages of staff who assisted at the incident
A: Make sure you report the incident to the WCB. WCB staff will work with SGI. Fill out a Worker’s Initial Report of Injury (W1) form and submit it to the WCB immediately. If your claim is accepted, you will be assigned a case manager, whom you can contact for more information.
A: Always report work-related injuries to the WCB. WCB staff will work with SGI. Fill out a Worker’s Initial Report of Injury (W1) form and submit it to the WCB immediately. If your claim is accepted, you will be assigned a case manager, whom you can contact for more information.