SGI Canada

SGI does not have superior auto insurance. After an accident, I did not receive a benefit for over 13 years from SGI called Living Assistance despite my doctors, support staff, Occupational Therapist, rehabilitation workers, myself and my parents asking for help over the years. And SGI ALWAYS declined without a written decision letter.

Following a request one injury note, reads in part "... All in all I did not okay any homecare, as it doesn't seem warranted from our conversation, especially when she has two days off a week, and I'm sure she doesn't sleep the entire time. Also, the fact that she has not received homecare in the past, I did not want to open up a can of worms. I'll leave this to you *** to look after."

I did go to court, but the court system is designed to favor SGI in Saskatchewan. I could not get costs paid for my parents because the court did not have jurisdiction over damages. And I could not get all my court costs paid for. ***
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While the amount I got in court was a significant amount of money (***), it did not cover the cost of helping with my bottleneck from not receiving my benefit for all those years and repaying my parents for their costs and other things.

After the decision letter from the commission, SGI stated they would help me with my bottleneck from the 13 years I did not get Living Assistance. So I thought why continue with court action if SGI is willing to help me as well as the fact both my support workers and my doctors were telling me it was causing me problems with my therapy. But as soon as the time lapsed to re-appeal the decision, SGI's story soon changed. They would not help me at all. In addition to this my psychiatric meds were being changed at this time.

Yes, I am receiving my living assistance but its not enough to cover all my expenses to clean up my bottleneck. So, my parents aren't paying just once. They are paying twice by helping me clean up the bottleneck.

I have set up a website to get change in Saskatchewan with the No-Fault system and to express my concern over SGI. ***
I will be uploading an eBook shortly to help people go through a No-Fault claim.

I was hit by and SGI Canada Insured vehicle in the USA. Now SGI Canada is refusing to abide by the laws of the US when handling my claim.
I was involved in a MVC with an SGI Canada insured vehicle on March 20. Police report were taken. SGI Canada did not contact me following the incident. I tried several times to contact them. I was told by the agent handling my case they could not talk directly to me. After contacting my insurance I found out they had not been in contact with them either. All of the contact information is in the police report. After several calls I received a call back in which I was once again told that they could not give me any information on my case. I explained that the accident happened in the United States and that they have to obey the law of the land. On June 2 I spoke with *** the agent handling my case. I was instructed to submit receipts and documentation of my personal property that was damaged in the accident. I emailed her the documents on June 3. I did not hear back from Ms.. On June 17 I emailed again ask if she received the email and if there was a way for me to check the status of my case online. Her reply was that she would get back to me by the end of the day. She did not. More emails follow in which I repeatedly ask to be put in contact with supervisor. I was ignored and then told that supervisor said that they must proceed using Canadian laws. SGI Canada is not handling my case properly. They are still insisting that they don't have any of my information when it's all in the police report. They won't communicate openly with me and to my knowledge they have made no attempts to pay of my claim. By law in the area where the accident occurred I don't have to report this to my insurance at all and I don't have to let my insurance represent me. I have the right to represent myself. In addition at this point I am only making a claim for the personal property that was inside the vehicle at the time of the accident.

Auto claim
We have been trying to deal with sgi since the end of February beginning of March and have gotten no where. On February 25 our daughter was exiting the *** gas station Turing right onto 16st west. She was in the proper lane signalling to turn right and when she proceeded to turn a vehicle coming from behind her went around her and turned right infront of her cutting her off. She immediately called me over as a was just across the street at the time. Both vehicle had minimal scratches. I wrote down my daughters licence information for the driver *** as she couldn't see well enough holding the license in her hand to even write down the name correctly. Due to the fact they cut her off and it was only a paint scratch we did not see the need to make a claim. We then received a letter that they had filed a claim and she had 20 days to give her statement. This is when the problems all start. We received 2 letters one to our daughter and one for my husband. They made a claim and filed it as our *** This incident happened with a small car how did this claim get filled against a big suv? And how did they choose that vehicle when we have 2 vehicles register under our address? Did sgi choose the vehicle written in this claim? Of did ***? My daughter had to call twice to give her claim in which she was told by the adjuster she spoke to that she was at fault before she even gave her statement. *** After she gave her statement she was told they would get back to her once a decision was made. My husband called and got them to remove the claim against the *** They never contacted us back. They never contacted the owner of the vehicle she was driving. Then April 13 we received another letter against the *** again telling her she has 20 days to make a statement. My husband called sgi explained the situation and the adjuster told him he could consider the claim over our daughter would not have been at fault and it's clearly a false claim and none of the information on file was correct. He asked what further steps needed to be taken to get this handled and she assured him it was done nothing else needed to be done. Then we received another letter informing our daughter she was responsible to pay for the damages to the other vehicle. We called sgi again and the person couldn't even find anything showing that my daughter even called in a claim he then gave me a new number and told there was nothing he could do she needed to make a statement since he didn't see one on the case file. We then got a package in the mail stating the amount she owes and needs to pay sgi. In this package is a full report of when they assessed the other vehicles damage and the price quote and when they approved to fix it, and letter meant for *** to sign agreeing all work was done. We're extremely concerned with the fact that they didn't look at the vehicle till 2 months after the incident and the report of what they fixed wouldn't even make sense for that damage to have occurred in that incident even if a big suv hit them nevermind a small car. Again another phone call to sgi where my husband leaves a voicemail to be called back asap. Over a week later before he got a call back where they refused to deal with or help him. He asked for a copy of the whole claims report and was told she would read it out loud but that was all. Tried calling sgi again and no luck even getting through To anyone.

I have filed an insurance claim with SGI. Its been over a month and a half and there has been barelt any progress in my claim.
I have filed my sgi claim on July 15,2019. The adjuster I have been assigned is *** at the Saskatoon west location. It took over a month for her to have any progress in my claim. And now we are going on 6 weeks and still barely any update. I have tried calling her without any response. I have tried going down to the office to talk to her in person but the lady telling me she is not available and when I asked to talk to someone else i.e. a supervisor she told me they were not available either. The only method of contact is through email, where I recieve response about once a week. The responses seem like she is just trying to prolong the process saying that she is waiting on something or confirming something. I have dealt with sgi before and my claim is usually wrapped up in less than two weeks. The lack of ability for communication and the responses I feel are just there to give me a hard time. I havent had a vehicle for over 6 weeks. I have also provided video proof of the vandalism that occured for my claim. My claim number is SW SK XXXXXXXXX.

Insurance company not willing to work with customer or insurance broker . Not following contract.
I have been with SGI insurance for 3 years and have paid at least $10,000 plus to this company with never a missed payment and never having an at fault claim . My insurance payments are to come out every 20th of the month without incident until this month due to holidays April 19,20,21 and 22nd all of my bills bottle necked to all come out at once and due to this I ended up not having enough at the time when I was sure it was more than enough and also having to pay SGI insurance $500 for the deductible just today due to the claim I have had open since November 2018 due to my vehicle being hit and run while I was in grocery store. I contacted to bank and explained what happened and due to this never happening before they refunded the NSF no problem. Today when I called SGI to clear up the error they absolutely refused to work with my and informed me that due to non payment I was no longer eligible to have monthly payments and must pay out the entire balance , mind you that never ever have I defaulted on a payment and I told the man that. I am a low income single mom of 2 and a college student paying $288 a month to sgi and that there was no way that I could come up with that kind of money. I told the man in billing that I would call my broker. The broker had me on hold for over 20 minutes while she tried to plead with sgi underwriters but they absolutely refused to budge. They told her that tonight they would write up a non payment letter demanding the entire rest of the cost of insurance mind you I only have 3 payments left on the end of this years policy . They said I have 15 days from receiving the letter to pay or I would have a cancellation due to non payment that would stay on my insurance file for the next 3 years and I would never get an insurance policy that was taken out monthly TIL after 3 years. The insurance broker was shocked as well as me that they refused to budge especially on a customer that was never late on a payment ever and even the bank realized it was a one time error. I looked at my policy in no where does it mention this rule instead it says if an nsf was received they would charge a $35 nsf fee. I called back to talk to sgi manager about this and it not being in the policy which is a contract and she said no it isn't in there because they changed the policy around a year ago. I did not even sign this policy due to it being an automatic renewal. I am now between a rock and a hard

Cancellation auto policy number***, annual premium
I signed for Auto Premium coverage through an Alberta Broker (***) on July 25/2018, setting for annual premium payment. After having submitted a premium payment $466.00 on October 23/2018 via Internet banking, an standing balance of $ 1188.00 was sent via statement, due on November 23/2018.

I didn't received this notice, mailed to me via letter, due to a Canada Post ongoing strike.

When I contacted SGI to verify a payment $116.50 towards my premium on December 3/2018, The SGI financial department could not access their records, after a winter storm stroked on the province of Saskatchewan and rendering the server unavailable until farther power back up was reestablished.

I spoke to the Alberta broker on the phone (*** representative) several times regarding the standing on my auto insurance coverage on that week: December 3 to December 10, 2018.

At that time, he re-instated that SGI Canada had trouble accessing their customer's financial records, and could not verified my last payment submitted, towards covering my premium outstanding amount.

Additionally, he informed me that SGI had submitted a notice of cancellation on Nov. 17, even thought the premium statement was due on Nov. 23/2018. I failed to receive this notification via Canada certified letter, due to an ongoing Canada Post workers strike, that delayed delivery of packages and letters, with a lapse of over two weeks delays.

This chain of events let me uncovered on December 1/2018, when I had a car accident on my way back home from work.

SGI had processed my last payment on december 3rd, and after they communicated they I would't be able to submit a claim on my behalf, they refunded last payment (Dec.7/2018), and did not reinstate my premium coverage for the period after November 23/2018.

Finally, I received the notice of Cancelation from SGI Canada on Dec. 17/2018, and was left with significant damage and car repairs to dispense out of my own pocket, $800 for body repairs on the rear right side of the *** (2008) that was suppose to be insured under a Standard Auto Policy. Calgary Police had record of this vehicle collision from Dec. 3/2018.

During the time that SGI Canada wasn't able to verify the standing on my account due to power outage in the province of Saskatchewan, I didn't receive any phone calls from the company, and when I tried calling them to initiate the insurance claim, their response was that they were unable to access the records, and that I should contact my Alberta Broker (***).

Complaint[redacted]My complaint starts with the accident that totaled off my car, being if there were no witnesses I would have been held liable for the accident to which I would have to pay 700, even though I was doing exactly as I should have been, and as I did produce witnesses was cleared 100%, and now for a car that I all together paid 8000 for was first offered 2800 for, and after I went over the summary found many things that added value to the car that were looked over such as power windows or the actual km's. They have now offered me 3500 to which my reply was the minimum id accept would be 4000, that they reject 'without receipts' but when I do bring receipts they say they dont add value, which is why ive now asked for arbitration to be the deciding party as I believe an unbiased judge will take into account what an [redacted] sgi employee wont. [redacted]Desired SettlementAs I stated I would have accepted 4000, as a quick payout, but considering how I have been inconvenienced and more importantly the money ive paid into it I believe 5000 would be more than fair settlement, [redacted] Business Response Contacted the claims centre and they will be providing the customer with the procedures to proceed to arbitration as per his request.

I was not informed, at any time, by SGI that they were choosing not to renew my policy.On September 17th I had not yet recieved my insurance renewal papers in the mail (some times the mail can be slow) so I called my broker at the end of that week asking if my renewal could be resent as I never recieved it and did not want to risk a ticket by not having a current ins certificate in my car. I think there was some confusion as to what I asked though because as I still had not recieved the new documents 2 weeks after that (more than enough time) I called my broker back who looked into it and told me SGI had dropped me and decided not to renew my policy. [redacted] I went completely uninsured for just about 3 WEEKS! I imagine there is a requirement for the insurance company to inform their clients (IN ADVANCE) when they choose not to renew the policy. What if something had happened during that period of time? Desired SettlementI think your procedure for dealing with this should be looked at, as this should not happen to anyone first off. I would also like an explanation as to why the policy was not renewed, though more importantly I would like to know why I did not recieve any contact regarding this.Business Response Contacted appropriate business area, we have stopped using this broker. As the broker technically owns the customer, it is their responsibility to inform their customers they will no longer be able to offer SGI CANADA policies and then they are able to try and place their customers with another insurance company. Called and advised customer of this, she was very pleased it was not SGI CANADA choosing to terminate her. She is very happy with SGI CANADA as her insurer and will be looking for a new broker to continue using us as her insurance provider. Gave her an alternative contact where she can register a complaint against the broker if she chooses to.Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.)