In Saskatchewan, why is a Facility not required for auto insurance?

The reason why a Facility is not required for auto insurance in Saskatchewan is that SGI (Saskatchewan Government Insurance) provides coverage to all drivers, including those who may be considered higher risk. This inclusive approach means that drivers in Saskatchewan do not have to seek separate or additional coverage options, such as those that would typically be provided by a facility for higher-risk individuals. Instead, SGI administers a universal coverage model, ensuring that every driver has access to auto insurance regardless of their driving history or risk classification. This system is designed to promote safety and accessibility in the province, while also integrating a broader range of drivers into the insurance pool.