Q&A about DSR

How will an at-fault accident affect my Driver Safety Rating?

Each at-fault accident in the past year lowers your DSR by five levels.

I have a small at-fault claim. Is there anything I can do prevent it from affecting my Driver Safety Rating?

Depending on the circumstances, you may choose to "buy back" your claim so that it doesn't affect your DSR rating. A buy back is like undoing your claim by reimbursing any money paid to you from Manitoba Public Insurance for repairing your vehicle, other vehicles damaged in the accident, damage to other property, and for injuries from the accident. People buy back their claims for several reasons:

• to keep their insurance premium discount
• to avoid additional driver licence premiums
• to maintain a claim-free record before moving out of the province

Sometimes it's more cost-effective for you to pay to have the vehicle fixed, rather than file a claim. You can buy back any claim at any time and your adjuster can assist you.

How will traffic convictions affect my Driver Safety Rating?

It depends on how serious the conviction is. The more serious the conviction, the more you'll move down the scale.

Here are some examples:

• not obeying a traffic sign: two levels down the scale
• speeding at 30 to 49 km over the allowable speed limit: two levels down on the scale
• driving without wearing a seatbelt: two levels down on the scale
• claim: 50 per cent or more at-fault: five levels down the scale
• impaired driving: 10 levels down on the scale
• speeding more than 49 km over the allowable speed limit: 10 levels down on the scale
• impaired driving causing death: 15 levels down on the scale
• leaving the scene of an accident: 10 levels down the scale If

I purchase a vehicle after my anniversary day, how will my vehicle premium discount be determined?

Your vehicle premium discount is determined by your DSR, which is based on your driving history and driving behaviour for the year prior to your anniversary day. Any at-fault claims or traffic convictions since your last anniversary day will not impact your DSR— or your vehicle premium discount—until your next anniversary day.