rage logoThe SRRP Rate Recommendations have been forwarded to the Minister (Don something or other), who will present them to Cabinet for Acceptance or Rejection.  It is up to YOU, the Motorcyclists of Sask. to communicate with their MLA, the Minister, Cabinet and the Premier, to request they honor SGI's commitment to the motorcycle community to Not Raise Rates until the MC Review recommendations have been implemented and the results known!!

Cabinet must REJECT the Sask Rate Review Panel's recommendation!!

1.  Today – NOW – open an new email2.  In the “To” section, copy and paste the following Cabinet Members email addresses, as well as the Premier and the Leader of the Opposition.  These are the people deciding on the Sask Rate Review Recommendations presented to the Minister Responsible for SGI, Don McMorris.

dmcmorris@mla.legassembly.sk.ca;  kkrawetz@mla.legassembly.sk.ca;  bboyd@mla.legassembly.sk.cajharrison@mla.legassembly.sk.ca; dmorgan@mla.legassembly.sk.ca;dharpauer@mla.legassembly.sk.ca; dduncan@mla.legassembly.sk.cagwyant@mla.legassembly.sk.ca;  ctell@mla.legassembly.sk.casmoe@mla.legassembly.sk.ca;  tmcmillan@mla.legassembly.sk.ca;  jreiter@mla.legassembly.sk.calstewart@mla.legassembly.sk.ca;  nheppner@mla.legassembly.sk.ca;jcampeau@mla.legassembly.sk.ca;  mdocherty@mla.legassembly.sk.ca;kdoherty@mla.legassembly.sk.ca

3.  We want to make sure we are sending a “similar consistent” message

4.  In the “Subject” area put something like:  2014 SGI Rate Review Recommendation Concerns

5.  In the body of your email (where your main message goes).  A consistent message is the key.   You can use your own words…or…part or all of the following:

Accept this as an expression of my concern with regard to the Saskatchewan Rate Review Panel’s Recommendations to the 2014 SGI Rate Review Proposal. 

1.       SGI Executive previously communicated to the Saskatchewan motorcycle community that motorcyclists would not see any further increases in rates until the Motorcycle Review Committee Recommendations have been approved, which they were. Motorcycle insurance rates went up as of August 2013 (a flat 15%...plus 1.23% Capital amount) in spite of SGI's comments. Motorcyclists had paid their fair share!!

2.       SGI Executive indicated that there would be no rate increases for motorcycles put forward by SGI until the Motorcycle Review Committee Recommendations were implemented and the results were known.  This item is in progress, however motorcycle insurances rate have been increased again, in spite of SGI's commitment. 

3.       SGI Executive stated to the media that they were pleased with the Motorcycle Committee Review recommendations and felt that once implemented the recommendations would likely make a significant difference to safety and accident rates.  Mr. Cartmell stated in a public press release that implementation of the recommendations would reduce death and injury from motorcycle crashes by 20 per cent.

4.       Motorcycle Learner Rates have already been given an approved increased from the $25 standard annual licensing fee to $500.00 annually for three years of the Motorcycle Graduated Learners Program!!   

Note: The rationale for these statements stemmed from the fact that  motorcycles have had a considerable number of hefty rate increases year after year since 2007.  

2007 – average increase of 15%  

2009 – average  increase of 25%

2012 – average increase of 30%

2013 – flat “across the board” increase of 15%

A quick example of what this means in real dollars (before admin fees and Capital fees):

Year 2007 – 751 to 1,000 CC

Cruiser

Sport

Dual Purpose / Other

2007 – average 15%

$1,125

$1,029

$1,023

2009 – average 25%

$1,293

$1,470

$1,176

2012 – average 30%

$1,405

$1,804

$1,267

2013 – flat 15%

$1,635

$2,100

$1,475

Result: 

1.       SGI has now increased motorcycle insurance rates TWICE after those initial statements/commitments were made publically by SGI's Executive. This is not good faith, the motorcycle committee has participated fully in

providing both Safety and Licensing Recommendations as requested by SGI.

2.       Saskatchewan motorcyclists have repeatedly asked SGI to stop using the general motorcycle communities license plate rates to cross-subsidize high-risk motorcycle drivers within the motorcycle insurance pool!

3.       Saskatchewan motorcyclists have repeatedly asked SGI to hold those motorcyclists accountable who are responsible for accidents, injury and escalating costs.

4.       Saskatchewan motorcyclists have also petitioned SGI to stop cross-subsidizing ALL High-risk Drivers (not just motorcyclists) by raising general Auto fund Rates. Accident, injury and deaths in Saskatchewan continue to climb, as evidence by recent advertisements from SGI, however High-risk Drivers rates in Saskatchewan are a fraction of what rates for chronic high-risk driver behaviors are in other provinces!!

Reject the Sask Rate Review Panel Recommendation, and Do Not Increase motorcycle insurance rate YET AGAIN, until the Motorcycle Review Recommendations are implemented and the results are known!!

rage banner

In Saskatchewan we pride ourselves on being the birthplace of medicare, our extreme Rider Pride, one of the few places you can buy a ‘sner, bunny hugs and of course our cheap private vehicle insurance. 

Screeeeeeeech…wait…what was that last one?

Cheap private vehicle insurance!  Sure...go ahead…talk to most people in Saskatchewan and they’ll tell you that it costs less here than anywhere else in Canada to plate our vehicles.  That thanks to SGI and the wonderful Auto Fund we are all treated equally here in Saskatchewan.  That our vehicle insurance is so fair that only a few ever complain.

THIS is so “ingrained” in the belief system of those who have lived here all their lives that few ever question it. 

…and what happens when they do?  Well…they are “just complainers”.  They aren’t happy because THEY are being made to pay because they are the bad drivers.  Our awesome Crown Corp looks out for all of us…they do what is right for all of us.

Really??

So many taxpayers in our amazing province don’t take the time to look at the real facts.  They go on what they’ve been told…often by the very people who are screwing them the most.  Now, in all fairness it didn’t start out that way.  It has, however, certainly turned into that. 

In 1946 when Saskatchewan residents were paying a lot to plate vehicles the Saskatchewan Government stepped in and created a compulsory automobile insurance program under The Automobile Accident Insurance Act.  In 1984 an amendment was made and the Auto Fund was formed to deal only with the property and casualty insurance with SGI as the administrator.

The philosophy is supposed to be “all drivers are treated equally unless their driving record shows they are a greater risk for causing a collision.  It does not use a drivers age, gender or where they live to determine a vehicle premium or fee for a driver’s license”. 

However it seems like the philosophy is becoming:  “The majority of VEHICLES registered and plated shall be divided up and have imposed on them premium rates that give the Auto Fund the greatest amount of money BECAUSE of ALL the BAD DRIVERS in Saskatchewan.”

In Saskatchewan, BAD DRIVERS only pay IF they register vehicles in their name!  Why?  All RATE increases are on our VEHCILES…not our individual drivers licenses.

Now…why on earth would a Crown Corp that is also mandated to Keep Us Safe (yes, SGI is also responsible for the Traffic Safety Division in Saskatchewan) not really care about imposing real policy change that will make the Bad Drivers change their habits quickly?  Why do they want everything kept on a vehicle plate when vehicles don’t cause the accidents?

Perhaps the main reason has less to do with their claims of “it can’t be done” or “it isn’t done anywhere else” and more to do with the following 2 numbers:

762,000 drivers licenses issued in Saskatchewan *according to 2012 Annual Report

1,100,000 vehicles and trailers plated and collecting premiums for the Auto Fund.  That’s right 1.1 MILLION.  With the following we know as fact:

   ·   Approx. 785,000 cars and trucks with an average of 25% of each vehicle plate premium going to personal injury and wage replacement insurance.

So given an estimate average of $1000 a registration = $250 per car and truck = $196,250,000 MILLION in Personal Injury and Wage Replacement premiums. EACH YEAR!!!


   ·   Approx. 27,000 registered motorcycles with an average of 73% of each motorcycle plate premium going to personal injury and wage replacement insurance.

So given an estimate average of $1800 a registration = $1,314 per motorcycle = $35,478,000 MILLION in Personal Injury and Wage Replacement premiums.  EACH YEAR!!!


So if you, as a vehicle owner in Saskatchewan, register and pay a premium for more than 1 vehicle…you are paying for more than on personal insurance policy…and YOU are getting screwed! 

If that second vehicle is a motorcycle…you are getting royally screwed!!

No matter how many vehicles you register and plate, in your name…you can only ever make 1 claim should you be in an accident and need to use YOUR Personal Injury and Wage Replacement insurance policy. 

The policy paid for is ONLY for YOU.  The person who the vehicle is registered under. 

If you have an accident and someone else is in your vehicle is injured…YOUR Personal Insurance and Wage Replacement policy does not cover them.  If they under driving age, or do not register a vehicle in their name, SGI covers them under no-fault insurance.  If they have a vehicle registered in their name they are covered by how they chose to register THAT vehicle.  If they are from another province, THEIR own insurance covers them.

So why then…are we, the taxpayers of Saskatchewan, who register vehicles in our own names, being made to pay for something that is PERSONAL on a vehicle registration plate premium? 

Pretty simple.  338,000 MORE vehicles being registered than DRIVERS in this province!

Now add in that we all basically carry extra Injury and Wage Replacement insurance through our benefits packages at work…why?  BECAUSE, statistically we have a greater chance of being injured while in our homes, or at work, than we do of being injured in an automobile or motorcycle accident.  

That is…unless we drive in Saskatchewan.  BECAUSE here ALL DRIVERS are treated the same…which means WE ALL PAY for the BAD ones that cause all the accidents, injuries, etc.

Why?  BECAUSE our only insurance company makes more money by putting everything on our vehicles…simply because there are over 338,000 more vehicle premiums paid for every year…than drivers licenses.

…and remember when, if you received a speeding ticket ANYWHERE in Saskatchewan you paid dearly on your driver’s license till you changed your habits and accumulated no additional points?  WELL....THAT’s also ALL on our vehicle registrations.  YOU may not have been aware of that.  THE only thing that will cause a person’s driver’s license to cost more in the province of Saskatchewan…is a ticket by an RCMP or a Crown Offence like drunk driving.  THE REST…is on the vehicle. 

…AND we wonder why there are so many BAD DRIVERS out there.  THAT WE ALL pay for! 

Time for everyone to WAKE UP!  

It is time for all personal insurance, demerit points and penalties for bad drivers to be on our own drivers licenses!  ALL OF IT!  Including general traffic violation tickets issued by the City Police.

Just think how quick bad drivers would change their habits if a speeding ticket issued by any police officer meant they’d be paying for it on their driver’s license for at least 3 years!  Instead of a one-time City Police traffic violation fine and zero additional costs because they don’t register a vehicle in their name.

Just think…if your own Personal Injury and Wage Replacement Insurance costs were on your driver’s license…you’d only be paying for it once! 

Have YOU woken up yet?

Make sure the Saskatchewan Rate Review Panel knows you have!!!

If you can't make it to the Sask Rate Review Meetings with SGI in person, please at the very least contact the Rate Review Panel with YOUR voice...

Regina:   Monday, April 7th at 7:30 pm  - Delta Hotel

Saskatoon:  Wednesday, April 9th at 7:30 pm – Delta Bessborough

Each of our own voices count as 1 in this process...just as the voice of R.A.G.E. only counts as 1. 

We know SGI only listens when there are MANY following a UNITED theme.

YOU can get YOUR voice heard...and COUNTED...by submitting your comments regarding the application by April 28, 2014, using any of the following methods:

• Email at: input@saskratereview.ca

• Voice messaging at: 1-877-368-7075 ...Saskatoon 306-934-1948

• Postal mail at: P.O. Box 1301, Saskatoon, SK S7K 3N1

• Website at: www.saskratereview.ca  using the “Voice Your Opinion” option

• Facebook www.facebook.com/saskratereview

 

 

Things are starting to ramp-up quickly with R.A.G.E. ...check out our messages that you can use with YOUR voice:

·         On our website at www.saskrage.org

·         On our facebook page at:  www.facebook.com/sask.rage

·         Email us so we can send them to you:  saskrage@gmail.com

·         Check us out on Belt Drive Betty:  http://www.beltdrivebetty.com/rage

 

On behalf of R.A.G.E. ...Thank You...for YOU making your voice COUNT.

 

The most important thing for all motorcycle riders and vehicle drivers in Saskatchewan, right now, is standing-up and getting YOUR voice heard…and COUNTED.    

When it comes to the Saskatchewan Rate Review process each and every voice matters, no matter how big, no matter how small!  Every voice, every opinion matters.  Use this process to make YOUR VOICE COUNT!  BEFORE April 28, 2014!  After that…it is too late! 

R.A.G.E. is here to continue what we started so successfully last year.  To continue to lobby SGI and the Provincial Government to put real and long-term public policy forward to end the continuous cycle of rate increases being implemented to cover up escalating high-risk driving behaviour in Saskatchewan.  In a nutshell:  to stop just raising rates and not much else.

 

If you parked a vehicle on the street downtown (any type of vehicle) and just left it there till it caused an accident.  How long would it take for that vehicle to be at-fault for causing one?  That is, if it wasn’t stolen or vandalized first?

 

 

Now, if a person comes along, gets into that same vehicle and drives off looking at their cellphone and texting.  How long? 

 

 

If it is a motorcycle and a person who just wrote their learners with zero experience (other than maybe a ride around the block) comes along, gets on, and rides off into traffic.  How long?

 

 

The great thing about what we are putting forward is that it addresses ALL driver behavior.  Not vehicles, but those who drive them.  ALL of us! 

 

 

You as a motorcycle and vehicle owner need to be speaking up this year…in Saskatchewan you are more than likely both!  Making sure YOUR voice gets counted.  To stop the endless cycle of just raising rates with not much else.

 

 

This will allow R.A.G.E. to have a strong voice when it comes to the Personal Injury Insurance Review happening later this year.  Remember YOUR “a-la-carte” recommendation has been approved by government!

To continue to fight for mandatory safety training.  (Yes, R.A.G.E. has always wanted this to be mandatory.)

To continue to work with SGI on the things they are already implementing as a result of R.A.G.E. and ALL YOUR VOICES.

 

 

YOUR VOICE...no matter what your message...MATTERS to R.A.G.E.

 

 

Without all YOUR voices...individually...each counting as 1...UNITED into many…SGI will simply not listen.

Since the 1980’s, and up until last year...very few voices were raised to be counted during the Rate Review Process, SGI pretty much did what they wanted...then last year BAM!

 

 

For years SGI shut out anyone, any group, many efforts by the Saskatchewan Rate Review Panel and the Provincial Government for any changes...why...NO UNITED VOICES.  Yes, they brought in the 3 year MGDL in 2011.  However, they didn’t work with the groups involved past initial consultations.  SGI came to their own conclusions (no one could agree) and implemented what they wanted.  SGI then stopped returning calls and continued to increase rates in 2012 and 2013. 

 

 

Even the Saskatchewan Rate Review Panel has had difficulty getting the information they need from SGI to make informed decisions. 

 

Is it little wonder that the Minister Responsible for SGI felt she didn’t have to listen to the “suggestion” of the Rate Review Panel?   After all, they never really had in previous years. 

 

Hammering us with another 15% increase could have been meant to knock us off our motorcycles and give up.  After all that hard work…and yet another increase!  I’m betting they expected us to cry in our coffee about how unfair they are, about how they just do want they want anyway, how we should just privatize, and then do nothing more than that. 

 

Now that might have worked…in the past.  That is until last year, the first time since the 1980’s, when R.A.G.E. worked hard to organize YOUR voices.  YOU each used your own voices.  You each counted.  Then R.A.G.E. presented a proposal that took EACH ONE and MADE THEM COUNT as a UNITED VOICE! 

 

Then we did the unthinkable…WE STAYED!!! 

 

We weren’t just there for 3 meetings.  WE were 100% ALL IN…FOR YOU!  To make sure YOUR VOICES continued to count.  R.A.G.E. continued to work with SGI, on the wording for the recommendations put forward, providing information for awareness, sharing the “Count Your Motorcycle” game, and much more. 

When it comes right down to it YOUR opinions and comments should matter to YOU.  IT does not matter if you don't agree with the overall message of R.A.G.E., or your local riding club, group, association, coffee group...whatever!  

 

WHAT MATTERS...is YOU getting YOUR VOICE heard.  YOU can't leave it up to everyone else.  You can’t assume anyone else is going to do this for YOU.  WE ALL MUST FIGHT!

The worst thing you can do is nothing!  THAT is even worse than complaining and doing nothing!  

Complain...complain to your hearts content...to the Sask Rate Review Panel.

THEN go have coffee...

If you can't make it to the Sask Rate Review Meetings with SGI in person, please at the very least contact the Rate Review Panel with YOUR voice.

Saskatchewan Rate Reveiw Panel Meetings (with SGI in attendance):

Regina:   Monday, April 7th at 7:30 pm  - Delta Hotel

Saskatoon:  Wednesday, April 9th at 7:30 pm – Delta Bessborough

Each of our own voices count as 1 in this process...just as the voice of R.A.G.E. only counts as 1. 

We know SGI only listens when there are MANY following a UNITED theme.

YOU can get YOUR voice heard...and COUNTED...by submitting your comments regarding the application by April 28, 2014, using any of the following methods:

• Email at: input@saskratereview.ca

• Voice messaging at: 1-877-368-7075 ...Saskatoon 306-934-1948

• Postal mail at: P.O. Box 1301, Saskatoon, SK S7K 3N1

• Website at: www.saskratereview.ca  using the “Voice Your Opinion” option

• Facebook www.facebook.com/saskratereview

 

Things are starting to ramp-up quickly with R.A.G.E. ...check out our messages that you can use with YOUR voice:

·         On our website at www.saskrage.org

·         On our facebook page at:  www.facebook.com/sask.rage

·         Email us so we can send them to you:  saskrage@gmail.com

·         Check us out on Belt Drive Betty:  http://www.beltdrivebetty.com/rage

 

On behalf of R.A.G.E. ...Thank You...for YOU making your voice COUNT.

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