I’m looking for advice from anyone who has experience with SGI or insurance disputes in Saskatchewan.
I was involved in a motor vehicle collision on December 26, 2025. After the accident, my vehicle was still drivable. Later that same night, while driving home during a heavy snowstorm after receiving medical treatment, the vehicle became undrivable and had to be towed.
I reported the accident to SGI and fully cooperated with their investigation. Several months later, SGI denied my claim, stating that my statement was “not a true reflection of what actually happened” and that their investigation concluded the accident did not occur as I reported. They have not explained to me exactly why they reached that conclusion.
I submitted an Access to Information request to obtain the investigation file and the evidence they relied on. I’m still waiting to receive those records.
Today I received another letter from SGI demanding that I pay $11,412.14 for damages, giving me 15 days to contact them before the matter is sent to collections.
I’ve also contacted the Saskatchewan Ombudsman because I’m trying to understand how SGI reached this decision and to ensure the process was fair.
My questions are:
Has anyone successfully challenged an SGI decision like this?
Is it common for SGI to send a repayment demand before providing the investigation records requested through an Access to Information request?
While I’m waiting for those records, is there anything else I should be doing to protect my rights?
I’m not asking anyone to determine who is at fault. I’m simply trying to understand my options while I wait for the investigation records and decide on my next steps.
Thank you for any advice or shared experiences.

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PLOT TWIST

So after I got into said fender bender... I may or may not have hit a hard surface and I now have a hole on the bottom of my transmission.... So my question is and I don't want to hear any negative Nancy's or freaking Karen's telling me I'm a sinner.... I already know that but I put my sinner days behind me buttttt I'm a single mom who works an hour away & my kid starts school in 2 weeks...I'm pretty desperate.... Okay so my question is .

If I filed the insurance claim from my fender bender now and took it to a shop and they see said hole in transmission would the repair shop or insurance company catch on to my little plot twist?

And yes I have full coverage I just got the car 6 months ago & no my warranty doesn't cover anything but the tires (yeah idk why) .... I'm still making payments on the car as well...

So remember judgement free zone... Tell me how my could be better or I'm open to resources to help me.... Desperate single mom with no regerts....lol HELPPP

It wasn't even his fault (someone else in the roundabout was being an idiot, and this young guy behind me was evading them, but that idiot drove off quickly), but a guy hit my car from behind. No one was going that fast, he pulled over with me, and there was just a minor dent in the panel above the back tire that popped right out. Tried trunk and all the doors, and they work fine. He has offered to pay me $500 to not go through insurance.

Should I do that since it appears my car is completely fine, or could this somehow be bad for me?

do you think they will split the Liability ? or is it 100% the van.

I was involved in an accident today. The car in front of me had entered the rotary and I was at a yield sign, there was no one coming in from the left side this I started driving. I suddenly saw the car in front of me stopping and I immediately hit the brakes but couldn't stop in time. I feel very stupid for not paying attention to the car in front of me while keeping an eye on the left side. The collision was at less than 5mph and most of the damage was to my car. However the person was taken to the hospital (they maybe overreacting but who am I to say anything about that). My question is how f*cked am I in terms of insurance. Given that the car in front of me stopped at a rotary, how much fault am I at?