Optional Autopac > Increased Third Party Liability Limits
Basic third party liability coverage insures you up to $200,000, for claims made against you, if your vehicle:
- Damages another vehicle or other property in Manitoba
- Injures a person, or damages another vehicle or other property outside Manitoba but within Canada and the United States. (Motorcycle liability coverage provides protection against passenger injury claims outside Manitoba.)
- Is an Off-Road Vehicle and injures another person, either inside or outside of Manitoba
$200,000 is the minimum insurance coverage required by law in Manitoba and other provinces. For increased protection, we recommend that you consider increasing your coverage, especially if you travel outside Manitoba. You can get Optional Autopac coverage to increase your third party liability protection to $1 million, $2 million or $5 million. This extended coverage can transfer to another vehicle, but only for a maximum of 30 days. The transfer of the coverage is available even if the original vehicle is also in use at the time, and applies anywhere in Canada and the United States.
It is important to note that if you carry only BASIC Autopac TPL coverage of $200,000, this coverage does not extend to substitute vehicles under any circumstances.
Refer to Off-Road Vehicle
Extension for information on optional coverage for ORVs.
You can also get higher liability limits through Special
Risk Extension. Ask your Autopac
agent for details.
FAQ
When might I need more than the Basic $200,000 Third Party Liability coverage?
It’s always a good idea to have more than the Basic Third Party Liability limit. If your vehicle injures one or more people severely, their injury costs could easily exceed $200,000. Or consider this example: Your vehicle catches fire and damages several other vehicles at the same time. The damage to the other vehicles and any property is paid out of your Third Party Liability coverage. If you don’t have enough coverage, you could be personally responsible.
