Insurance
What this domain tests
Insurance covers what coverage Manitoba requires, what Basic Autopac includes and excludes, who pays after a collision, and how driving records affect premiums.
Core rules
- Manitoba runs public auto insurance. Basic Autopac from MPI is compulsory for every registered vehicle; you may add extra coverage such as higher liability limits, collision and comprehensive from MPI or a private insurer.
- Basic coverage includes third-party liability of at least $200,000 for damage and injury you cause others, and Personal Injury Protection Plan (PIPP) benefits for people injured in a Manitoba crash.
- PIPP is no-fault for injuries: medical, rehabilitation and income benefits are paid regardless of who caused the crash, and in exchange you generally cannot sue the at-fault driver for pain and suffering.
- Basic Autopac does not repair your own vehicle after a single-vehicle crash or a collision you cause; collision and comprehensive are optional extensions.
- Proof of insurance must be carried in the vehicle.
- Driving uninsured is an offence carrying fines and plate action, and leaves you personally liable for damage you cause.
- Premiums follow the Driver Safety Rating: convictions, at-fault claims and demerit points move you down the scale and cost more each year.
Worked example
You lend your car to a friend who reverses into a parked car. Autopac insures the vehicle, so your policy responds to the damage to the parked car and your friend's own policy is not involved. The liability payment carries no deductible for you, but the at-fault claim is recorded against the registered owner's Driver Safety Rating, so your premium can rise next renewal.
Traps that cost marks
- Assuming Basic Autopac repairs your own car; collision and comprehensive must be purchased.
- Assuming insurance follows the driver rather than the registered vehicle.
- Letting coverage lapse while the vehicle is still being driven.
- Forgetting that an at-fault claim, not just a ticket, affects your premium.