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) is based on these four principles:
All Manitoba residents carry Personal Injury Protection Plan (PIPP) coverage with them wherever they travel in Canada and the United States. For Manitobans, there is no reduction in the level of benefit based on the degree of fault for the accident.
The Personal Injury Protection Plan (PIPP) also covers visitors to Manitoba who are injured in an accident in Manitoba while:
When you're travelling in another province or state, their laws still apply to you. PIPP protects you everywhere in Canada and the U.S. but the laws where you're travelling may make you responsible for compensating others if you injure them or damage their property.
Your basic third party liability coverage protects you in these situations, up to $200,000. Please consider buying more protection than this, especially if you'll be driving outside Manitoba. For more information, please talk to your Autopac agent.
Remember, you must be a Manitoba resident to qualify for PIPP coverage. If you move outside Manitoba, you're covered for injuries under PIPP only while you're in your Manitoba-registered vehicle. Also, once you've moved, your PIPP coverage ends once one of the following happens (whichever occurs first):
Individuals who are catastrophically injured may qualify for these enhanced benefits.
Individuals who have been injured may also qualify for the following entitlements, depending on circumstances:
For details, please talk to your case manager.
The PIPP Guide is a publication that contains full and detailed information about PIPP including:
View the guide here.
Here's a list of the basic benefit amounts (effective March 1, 2019) under the Personal Injury Protection Plan (PIPP). We adjust these benefits each year, based on the Consumer Price Index and the Manitoba Average Industrial Wage.
PIPP provides replacement income based on 90 per cent of your net income, subject to a maximum insurable gross yearly income of $98,500 and a seven-day waiting period. See more information on replacing your income and calculating your income replacement.
Maximum insurable gross yearly earned income
Industrial average wage
$929.46 (weekly)$48,331.92 (yearly)
Personal care assistance expenses for non-catastrophic injuries (receipts required)
Personal care assistance expenses for the catastrophically injured (receipts required)
Caregiver weekly indemnity
4 or more dependants:
Care expense reimbursement (receipts required)
4 or more people:
Help hired for a family business
Lump sum indemnity for a permanent impairment (non-catastrophic injuries)
$802 (minimum)$160,647 (maximum)
Lump sum indemnity for permanent impairment (catastrophic injuries)
Lump sum indemnity - minors and students
Minors, kindergarten to grade 8
Grade 9 to Grade 12
Critical care attendance
Leisure and recreational activities
$4,000 (maximum/every 2 years)
Permanent impairment rating (PIR)
PIR ≥70% (not including scarring, musculotendinous disruptions, ligaments or cartilage damage)
$2,000 (maximum/every 2 years)
50% ≤ PIR < 70%(not including scarring, musculotendinous disruptions, ligaments or cartilage damage)
$1,000 (maximum/every 2 years)
20% ≤ PIR < 50%(not including scarring, musculotendinous disruptions, ligaments or cartilage damage)
$500 (maximum/every 2 years)
Car travel expenses - please check with your case manager.
Payments to family
Spouse or partner(tied to deceased gross yearly annual income)
$64,260 (minimum)$492,500 (maximum)
Non-dependent child or parent
Funeral expenses (receipts required)
$3,662 per person* (maximum)
* There currently is an additional $3,662 available to go towards accommodations, meal expenses and pre-approved bus, train or auto travel (where you must travel more than 100 km round trip from your home community) to attend grief counseling.
These benefits are effective March 1, 2019. Yearly adjustments don’t apply to car travel expenses.
In general, the Personal Injury Protection Plan (PIPP) covers injuries from an accident, no matter who caused it or how it happened. But if the person is convicted of certain Criminal Code offences related to the accident, all benefits for that individual will be terminated.
This applies to individuals who, under the Canadian Criminal Code, are convicted of:
In all of the above instances, both the driver and the passengers who are convicted for such offenses would have their benefits terminated.
There are other Criminal Code offences for which income replacement will be reduced for the first 12 months following the accident. In these cases, two factors will affect how much less the income replacement will be:
If a person is convicted in the United States for a crime related to the accident, it will have the same impact on income replacement as if the offence occurred in Canada. No income replacement will be paid to a person who is in prison.