Basic Autopac > Personal Injury Protection Plan
If you're a Manitoba resident, you have your own injury coverage through Autopac--whether you own a vehicle or not. The Personal Injury Protection Plan (PIPP) was introduced on Mar. 1, 1994, and is based on these four principles:
- Coverage extends to all Manitoba residents injured in automobile accidents anywhere in Canada or the United States
- Compensation focuses on specific economic losses from an auto injury or death, with few limits or restrictions
- Compensation is guaranteed for all injured people, regardless of who was at fault for the accident
- Most benefits are indexed to the Consumer Price Index to reflect changing economic conditions.
More coverage for catastrophic injury
On Oct. 8, 2009, a change in the law enhanced PIPP benefits for those who are catastrophically injured.
Enhanced benefits are under these four categories:
- income replacement
- personal care
- permanent impairment
- special circumstances (Transitional Expense Coverage)
As of Aug. 19, 2011: even more coverage for catastrophic injuries
You may qualify for these benefits too, depending on your situation:
- Changes to your main or second home, because of health or family circumstances
- Extra costs to continue pre-accident travel
- Extra care you may need at your job
- Up to $50,000 to buy a motor vehicle to modify for your special needs. We cover the modifications separately.
As of Aug. 19, 2011: more coverage for all automobile injuries
- Help for you to take part in leisure and recreation
- Help to acquire a motor vehicle to be adapted to your needs
- Help to adapt more than one motor vehicle to your needs
- Increased meal allowances (now indexed yearly to the cost of living)
For details, please ask your Case Manager.
