Basic Autopac > Personal Injury Protection Plan
What's Not Covered
The Personal Injury Protection Plan (PIPP) doesn't cover injuries caused by or through:
- Maintaining, repairing, altering or improving a vehicle
- An animal carried in, or on, or forming part of the load of the vehicle. (For example, a pedestrian bitten by a dog in a car is not entitled to PIPP coverage)
- A device mounted on or attached to the vehicle, that can be operated independently, and the vehicle was standing still when the accident happened. (For example, a bystander accidentally sprayed by insecticide being applied from a parked truck)
- A farm tractor that doesn't have to be registered according to The Drivers and Vehicles Act. However, we pay benefits if the tractor was in an accident with a moving vehicle
- Off-road vehicles, such as snowmobiles, dirt bikes, or ATV's or other non automobiles such as garden tractors, unless the accident was with a moving automobile;
- A vehicle that doesn't have to be registered under The Drivers and Vehicles Act, such as motorized mobility vehicles (electric wheelchairs), self-propelled farm implements (combines), bulldozers and snow vehicles, unless the accident was with a moving automobile
- An automobile contest, show or race on a track or other location closed to other traffic, where there's extraordinary danger
- The injured person's deliberate actions. Here, neither the victim nor his or her dependants receive injury compensation
- The deliberate actions of the injured person's dependant--the dependant isn't entitled to compensation
- A trailer detached from an automobile
