Insurance In Manitoba

Auto insurance in Manitoba is provided by a government-run insurance company, Manitoba Public Insurance (MPI).  All provinces in Canada have some form of no-fault accident benefits that are paid to all accident victims. The difference across the provinces is the degree to which tort (the right to sue) or no-fault (access to accident benefits) is emphasized. Manitoba auto insurance operates in a “pure” no-fault environment. This means that if you are injured in a car collision, you are entitled to a standard and pre-established set of benefits provided by the government-run insurer. If your needs should change or you require additional financial support, you cannot – under any circumstances – sue for more.

Compulsory minimum third-party liability:

$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

Medical payments:

No time or amount limit

Funeral expense benefits:

7,877 (maximum)

Disability income benefits:

90% of net wages based on gross annual income of maximum $87,000 year; nothing is payable for the first 7 days of disability

Death benefits:

Death any time after injury; benefits for partners depend on wage and age of deceased and range from $57,798 to $435,000; benefits for dependent children depend on their age and range from $27,021 to $49,777; disabled dependants receive an additional $25,286; non-dependent children or parents receive $12,871

Impairment benefits:

Minimum $721/week, maximum $144,490 for non-catastrophic injury. Maximum $228,154 for catastrophic injury

Right to sue for pain and suffering?


Right to sue for economic loss in excess of no-fault benefits?



Government (government and private insurers compete for optional and excess coverage)


First-party all perils insurance is compulsory in Manitoba (deductibles vary according to type of vehicle). Policyholders may purchase coverage for economic loss greater than maximum accident benefits. Lawsuits are not permitted with respect to injuries sustained in automobile accidents in Manitoba. Victims and their dependants who reside in Manitoba are compensated by the government insurer for their injuries whether or not the accident occurs in Manitoba.