Physical damage coverage is mandatory in which province?

In Saskatchewan, physical damage coverage is mandatory due to the province's unique insurance framework known as the Autopac, which is under the management of Saskatchewan Government Insurance (SGI). This system requires all vehicle owners to maintain a minimum level of coverage that includes physical damage protection. The purpose of this requirement is to ensure that all drivers are financially protected in the event their vehicle is damaged due to accidents or other covered events.

This regulatory approach is designed to promote safety and responsibility among drivers, and it aids in the management of risk within the community. While other provinces like Ontario, British Columbia, and Alberta may have their own insurance mandates, they do not require physical damage coverage in the same way Saskatchewan does, often allowing consumers more flexibility in choosing their coverage options.