Manitoba Auto Insurance

"Being insured is the law in Manitoba"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the province of Manitoba?

• What does the law say pertaining to minimum insurance coverage in Manitoba?

Manitoba has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways.

To adhere to Manitoba's auto insurance rules, you must...

In Manitoba, your insurance is provided through a government run insurance company called Manitoba Public Insurance (MPI). You must maintain a current insurance coverage meeting the minimum insurance requirements or greater. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice, although in Manitoba the insurer is required to give thirty days notice of renewal, before a policy expires.

1. In Manitoba, the system is pure no fault insurance, which means there is no right to sue for injury, pain, suffering, medical or economic expenses, and property damages. This means you are entitled to a standard, pre-established set of benefits, so if you need additional financial support, after your settlement, you cannot sue for more.

In Manitoba, the government insurance (MPI) will cover you for up to $200,000.00 in court for a legal settlement. If your settlement is more than $200,000.00 by the courts, your insurance company will pay no more than $20,000.00 towards the property damage portion.

2. In Manitoba, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. If you are in an accident and you are not wearing your seat belt, which is mandatory in Manitoba, your insurance could be void and you would be responsible for all damages that occur.

Important facts about auto coverage in Manitoba:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Manitoba

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