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Latest News from Al Hattie Insurance

Saskplates.com - Your Saskatchewan Insurance Online

posted by Al Hattie Insurance    |   March 17, 2016 11:32

Plates expire? Licence expire? Sitting on the side of the road with an unregistered vehicle? 

 

Did you know Saskplates.com can get you back and on the road in no time, even from a mobile or tablet device? Set-up your account today through www.Saskplates.com and don't get left on the side of the road.


It's even simpler now! If you have an active SGI policy you can set up your account directly on the website without having to call us. 

 

Here are some of the many transactions you can now do online from your home computer or mobile device through Saskplates.com:

- vehicle registration

- plate cancellation

- driver's licence renewal (non-photo)

- address and personal information changes

- print vehicle registrations

- get quotes on Auto, Home, Condo, Tenant Paks and more!

- make payments

- pay your receivables

 

You can also contact US about any of your insurance needs! Phone 1-888-450-2700, email us at broker@alhattieinsurance.ca, or come by for a visit at our office located at 3020C Arlington Ave, Saskatoon, Saskatchewan.

 

Learning From Losses: Collision With A Locomotive

posted by Al Hattie Insurance    |   March 30, 2015 07:00

LOCATION:
Rural Saskatchewan road

CAUSE OF LOSS:
Collision with a locomotive at an uncontrolled railroad crossing

COST OF LOSS:
Total paid/reserved: $650,000. (Trailer: $50,000; Property damage to train: $600,000;
Loss of earnings/business interruption due to damage to train tracks and locomotive: undetermined)
In December, the insured was driving a load of wheat to a terminal. Distracted, he drove through an
uncontrolled rail crossing. An approaching train split the trailer in half. The insured’s package policy
protected him for $1 million of liability, which covered the loss.

LESSONS LEARNED:
Avoid financial ruin by carrying the appropriate insurance coverage; for a minor cost (an extra $30 in
this case), you can protect yourself from unnecessary loss.

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Auto Insurance | Driver Safety

Learning From Losses: Head-On Collision

posted by Al Hattie Insurance    |   February 23, 2015 13:21

LOCATION:
Rural Saskatchewan highway


CAUSE OF LOSS:
Head-on collision

COST OF LOSS:
Total loss: $2.5 million. (Truck and horse trailer: $250,000; Property damage – horses, truck and
trailer: $2.5 million)

DETAILS OF LOSS:
A young son was driving his mother’s car on a rural Saskatchewan highway. He crossed the centre
line and collided with a semi-tractor trailer, causing the semi, trailer and cargo (competition horses)
to be deemed a total loss. The insured had basic plate coverage of $200,000 and $1 million liability
on the policy. Due to the special design of the trailer and its use, a large loss of use claim occurred.
As well, the horses were expensive animals and brought a large property damage claim of
$2.5 million. The insured was not covered for approximately $1.3 million of the claim.

LESSONS LEARNED:
Always carry the right amount of insurance for your protection – though basic plate insurance is
significant, it may be necessary to purchase more coverage to be fully protected from all losses. In
this case, for an additional $60, the total loss would have been covered.

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Auto Insurance

Facts About Auto Paks

posted by Al Hattie Insurance    |   January 12, 2015 07:00

All vehicles registered in Saskatchewan are required to be plated, which provides a high deductible and the most basic coverages and liability. But benefits provided by Auto Paks can make sure your family and your bank account is well protected in case of a serious accident. Here are some quick facts about Auto Paks:

- Make accidents affordable. Pick from a range of deductibles from $700 down to $50!

- Don't even pay the deductible! If you hit wildlife, or suffer damage due to fire, lightning or your vehicle is stolen your deductible is waived.

- Financial protection is provided through liability coverages ranging from $1 million to $5 million in the event of a law suit against you.

- Keep your family safe with coverage protecting from injury and loss equal to your liability amount (up to $2 million).

- Adding the Loss of Use coverage will keep you on the road after an accident, covering you for rental costs.

- It doesn't just cover your vehicle, but also extends to vehicles you have rented or borrowed.

- Buying Replacement or Repair cost coverage within 120 days of purchasing a new vehicle will allow you to preserve the value you paid for, fighting off depreciation.

- You can receive a discount for scheduling multiple vehicles on one policy.

 

Thinking an Auto Pak might be right for you? Get a free online quote!

 

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Auto Insurance

Customer Appreciation Day June 7th In Our Parking Lot

posted by Al Hattie Insurance    |   June 5, 2014 14:33

Join us on Saturday June 7th for our mall's Customer Appreciation Day! We will be hosting a Car Seat Clinic, a free Shred-It Station (with Food Bank donation) for your documents, and a free Child Find ID Clinic. The full day's event's can be found on the flyer below. Thank you from our family for having us as your Saskatchewan Insurance Brokerage for over 30 years!

 

 

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Community

Saskatchewan Traffic Safety Laws are Changing June 27 2014

posted by Al Hattie Insurance    |   April 17, 2014 14:44

 

In an effort to reduce the high rate of injuries and fatalities on Saskatchewan's roads, the Special Committee on Traffic Safety will see several key recommendations turn into law effective June 27, 2014. One of the primary changes will effect new drivers caught driving under the influence of drugs or alcohol, who will face a 60-day license suspension and will have their vehicle seized for three days.

"Harsher penalties are aimed at deterring the unsafe choices some Saskatchewan drivers are making," said Donna Harpauer, Minister responsible for SGI. "We want drivers to think twice before making a bad decision, like getting behind the wheel after drinking or texting while driving."

Other traffic laws being introduced in the province June 27th include:

  • Impaired drivers face user-pay installation of an ignition interlock device on their vehicle, for a minimum nine months on a first offence and up to five years for subsequent offences.
  • Drug-impaired drivers will face the same consequences as drinking drivers.
  • Drivers caught using their cellphone while driving for the second time within one year will have their vehicle seized for up to seven days.
  • Drivers will face harsher penalties when they're traveling at 35 km/h or more over the speed limit.
  • Booster seats will be mandatory for children under seven years of age, less than 145 cm (4'9") in height and under 36 kg (80 lbs) in weight.
  • Photo radar will be piloted at three high-risk locations across the province and in school zones.

Motorcyclists will also note changes, with a focus on new riders:

  • Riders in the Motorcycle Graduated Driver Licensing (MGDL) program and their passengers will be required to have their arms and legs covered, wear hand-covering gloves, ankle covering boots, and either an approved three-quarter, modular or full-face motorcycle helmet.
  • MGDL riders will have to place a placard on their license plate to indicate they are a new rider.
  • Drivers will be required to hold a Class 5 or higher driver's license before applying for a motorcycle learner's license.
  • New riders will have to demonstrate their ability to operate a motorcycle through a basic ability test or successfully complete an approved training program, before getting a motorcycle learner's license.

For more information about these traffic safety changes, visit SGI's website at www.sgi.sk.ca.

 

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Community

Your Auto Policy Vs Your Basic Plates

posted by Al Hattie Insurance    |   February 10, 2014 14:08

When plating and insuring your vehicle in Saskatchewan, whether it be your winter beater or your brand new SUV, it's important to understand your options and what you are getting in terms of coverage and deductible.

When purchasing an Auto Policy, you are not just plating your car, you are getting a customizable insurance policy that protects you and your family from loss not covered by basic plate insurance. You gain several key additions including:

- Increased liability coverage from $1 million to $5 million

- Lower deductibles from $500 to $50

- Waived deductibles if you hit wildlife or have damage due to fire, lightning or theft

- Rental car coverage (which includes protection against damages to the vehicle)

- Increased injury benefits

 

Additional options:

- Replacement cost coverage on brand new vehicles (must be insured within 120 days of vehicle delivery)

- If your vehicle is totaled in the first 24 months, your deductible may be waived and your vehicle is replaced

- If your vehicle is repairable, only new parts will be used

- If your vehicle is leased your original purchase price is protected, covering the difference between what you owe your leasing company and the actual cash value of the vehicle

- Loss of use coverage for alternative transportation in the event of a claim

- Road hazard glass coverage including chip repair

 

There are many examples of how an Auto Policy can provide necessary benefits in coverage. For instance, if you injure a high salaried person in a collision and must pay to supplement their lost income, Auto Policy pays for costs not covered by basic plate insurance. You may face significant financial hardship if you're found at fault for damaging someone's property or if someone gets injured.

Getting the right protection is about the best combination of basic plate insurance and an Auto Policy tailored to your needs.

 

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Auto Insurance

Winter Driving Tips from SGI

posted by Al Hattie Insurance    |   November 4, 2013 18:46

Vehicle accidents can be anywhere from annoying to expensive to deadly, and winter driving conditions only ramp up the odds of having a collision. To help protect you, your family, your neighbourhood and your pocketbook here are some essential winter driving tips from SGI. Even if you've been driving icy Saskatchewan roads for decades there is no better time for a refresher than now! 

 

  • Be sure to wipe loose snow off the hood of your vehicle so that it doesn't blow onto your windshield and obstruct your vision while you drive.
  • Ensure that your headlights, taillights and licence plates are visible, and that your windows are completely defrosted before you hit the road.
  • If possible, switch to winter tires. Their deep treads are ideal for clearing away snow, giving you maximum traction and control.
  • Studded tires are a good choice on wet roads when the temperature is near zero. However, they don't outperform winter tires in freezing conditions.
  • Check the tire pressure often to help prevent a blowout. Your owner's manual or the tire's sidewall will indicate the proper pressure - usually between 30 and 33 lb/in2 for an average passenger car. Just don't forget that tires lose pressure at the rate of 1 lb/in2 for every 5° C drop in temperature.

Winter driving guidelines

With so much attention paid to winter driving preparations, it's easy to forget about the driving itself.

  • When you're on the road, remember to give yourself more time to reach your destination. Start your trip slowly, testing your braking and steering to 'get a feel' for the road.
  • Once you've reached a level of comfort, you can gradually increase your speed. The key is to maintain control of your vehicle at all times, even if that means driving under the posted speed limit.
  • Stay alert as you approach intersections. Scan the road for traction, such as sand or bare pavement, and always accelerate and decelerate gradually.
  • If you do find your vehicle skidding, remain calm and take your foot off the accelerator. Don't lock the brakes. Instead, brake steadily, look where you want to go and steer in that direction.
  • Try to avoid using cruise control on the highway during the winter. Icy sections on otherwise dry surfaces can cause your wheels to spin, compromising your control of the vehicle and putting you at risk of a collision.
  • Leave at least a 3-second following distance between your vehicle and the 1 in front of you. If the driver ahead of you suddenly brakes, you'll have the time and space needed to stop safely, ensuring that you and everyone on the road arrives at their destination safely.

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Changes to Vehicle Registration Eligibility Questions June 19th

posted by Al Hattie Insurance    |   June 17, 2013 16:52

As of June 19th, SGI will be using a new set of questions regarding your Vehicle Registration eligibility in Saskatchewan. They will be using different questions to determine residency within the province, and to gather more information on the use of vehicles (be it for passengar or commericial use). A more in depth series of questions will be required when using vehicles for commercial purposes, which will relate to the types of industry the vehicle will be used within.

Another new feature will be vehicles bought out of province may be eligible for a 28 day deferral from inspection if they have the proper documentation. Please call our office during operating hours for details on what specific documents will be required for your out of province vehicles being registered in Saskatchewan (888-450-2700).

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Auto Insurance

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