Manitoba Accident Benefits Explained

Public or Private?

Manitoba has public insurance through Manitoba Public Insurance (MPI). This means the provincial government is responsible for issuing and regulating automobile insurance policies for the citizens of that province.

No fault or Tort-based?

Manitoba has no-fault liability rules. This means an automobile insurer will pay certain benefits prior to determining who was liable and the parties cannot sue one another in court for a civil claim (usually negligence).

Accident benefits in Manitoba

CAREGIVER BENEFITS -

weekly benefits ranging from $477.00 to $627.00.

DEATH BENEFITS

ranging from $14,698.00 to $517,500.00 depending on whether the applicant is a spouse, disabled dependent, and non-dependent child or parent.

FUNERAL EXPENSES

Up to $8,996.00.

LOST EDUCATION EXPENSES -

Applicants may obtain a lump sum indemnity for each school year not completed anywhere between kindergarten and post-secondary studies, from $5,609 to $20,793.

CARE EXPENSE REIMBURSEMENTS

From $124.00 to $248.00 (which is determined based on the number of dependents in need of care.

PERSONAL ASSISTANT EXPENSES

up to a monthly maximum of $4,949.00.

EXPENSES TO PAY FOR HIRED HELP FOR A FAMILY BUSINESS

up to a weekly maximum of $824.00.

MEAL ALLOWANCES

up to a daily maximum of $47.75.

CRITICAL CARE ATTENDANCE

up to a maximum of $4,900.00.

LEISURE AND RECREATIONAL ACTIVITIES

for parties with permanent impairments or catastrophic injuries (which is determined based on the injury and is provided for up to two years in between $500 and $4000.

How to claim accident benefits in Manitoba

To open a bodily injury claim, call the Contact Centre at 204-985-7000 or toll-free 1-800-665-2410.
When reporting the collision, you’ll need this information:
- your vehicle registration and the driver’s license of whoever was driving your vehicle
- the details about the accident (where, when and how it happened)
- the details about any other vehicles and drivers involved
- information about any witnesses
If you’re claiming damage, your representative will take a preliminary report from you. Your options for a damage estimate will be discussed with you.
If your vehicle has been damaged from something other than a collision, please see information about reporting a comprehensive claim.
You may be asked to complete a Driver’s Report to provide details of the collision and damages. Please refer to this sample document for assistance.
Your claims representative will explain to you the next steps for receiving compensation for your injuries and out of pocket expenses. Be sure to fill out every application they give you as quickly and accurately as possible to ensure the speedy resolution of your claim.

For anything out of province

Accidents outside Manitoba, Call Brandon Out-of-Province Claims,
toll free: 1–800–661–6051
Mailing address: 731–1st Street Brandon, MB R7A 6C3

Remember:

If you have been injured in a crash and have coverage from another provider (for example, extended health care from your employer or individually purchased disability insurance), your other insurance will be the primary payer for most medical expenses and/or income replacement.

Want to Learn More?

In Manitoba, statutory accident benefits are described under the provincial "Personal Injury Protection Plan" (“PIPP”) and briefly in Manitoba's The Insurance Act.
You can also visit the MPI website and learn more about the Personal Injury Protection Plan.
‍If you have further questions about this process, or your benefits, contact your claims adjuster.
If you do not know who your claims adjuster is, contact the insurance company.
You can also contact the Insurance Bureau of Canada at 1-844-227-5422 or the General Insurance Ombud service at 1-877-225-0446.