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Auto insurance fraud has a financial cost for all Manitoba Public Insurance ratepayers, which is why the province’s public auto insurer is putting out the call to Manitobans to report suspected fraudsters.

Disturbingly, the Corporation’s Special Investigation Unit is seeing an increase in fraudulent activity. As a result MPI watchdogs are initiating more investigations and using new investigative tools that are anticipated to save Autopac ratepayers upwards of $8 million this year, compared to $6.5 million in 2017.

One such recent investigation resulted in a Hadashville man being ordered to repay $35,056 in insurance benefits paid after pleading guilty to making a false statement in court. In addition to the court-ordered restitution, the man ─ who stated he was unable to work due to injuries after an auto crash ─ was fined $1,000 in addition to court costs of $450. He was also given a three-year supervised probation order during which time he must complete 50 hours of community service work.

Investigations revealed the man was working full days doing construction, including working on his cottage and boathouse while collecting income replacement benefits from MPI.

“Fraud is a concern for all insurance companies and Manitoba Public Insurance is no exception,” said Curtis Wennberg, vice-president Customer Service & COO, Manitoba Public Insurance.

“While some may see fraud as a ‘victimless crime’, the reality is that auto insurance fraud costs every single ratepayer; which makes every honest MPI customer a victim. This is why we’re reaching out to all Manitobans to help stop auto insurance fraud by reporting information confidentially and anonymously to the Manitoba Public Insurance TIPS line.”

What is Auto Insurance Fraud?

While some frauds may be elaborate and highly planned such as staged collisions or intentional vehicle arson, auto insurance frauds can also be less overt. Examples may include exaggerating personal injury, claiming income replacement indemnity when able to work, claiming unrelated or pre-existing vehicle damage, or providing a false or misleading account of how a crash happened.

Committing auto insurance fraud can have serious consequences. In Manitoba, claims confirmed as fraudulent will result in termination of benefits, outright denial of insurance coverage, or possible criminal charges being laid.

“Fraud schemes can be very complex but also very simple,” added Wennberg. “In the end they all create unnecessary costs to our ratepayers, which is why we are committed to investigating all suspected fraudulent activity involving claimants or service providers.”

Are you aware of a suspected auto insurance fraud?

Call the Manitoba Public Insurance TIPS line:

204-985-8477 or toll-free 1-877-985-8477

In its continuing efforts to improve road safety in Manitoba, Manitoba Public Insurance is now offering unrestricted class 5 road tests in St. Theresa Point. Previously, residents who passed in-car testing in this community would qualify for a conditional driver’s licence which required a qualified supervising driver to be in the vehicle when travelling on provincial roadways.

Recently, traffic control signage was erected by members of the community, providing a more realistic road test experience. Based on this new infrastructure, MPI is now able to offer candidates access to road tests that will qualify for regular Class 5 driver’s licence.

“This is the culmination of positive, on-going discussions with band councilors and Manitoba Public Insurance,” said Curtis Wennberg, vice-president, Customer Service & COO, Manitoba Public Insurance.

“Holding a valid driver’s licence will allow area drivers to legally travel on winter roads and the broader provincial highway system. This personal mobility can lead to enhanced job opportunities.”

St. Theresa First Nation is only accessible by airplane or winter roads. There are about 14,000 people within the Island Lake area comprised of St. Theresa Point, Wasagamack, Garden Hill and Island Lake. Residents now have the ability to take both their knowledge tests and in-car driving tests in St. Theresa Point. It’s estimated that about 80 per cent of the population within these areas do not have Class 5 full licence.

“Manitoba Public Insurance is bringing in staff from other regions to conduct both knowledge and in-car tests,” said Wennberg. “The Corporation is proactively working with local government to ensure rural and remote communities get the service they need. The addition of traffic signage within the community has made this possible and we encourage their use.”

In order to best serve its northern customers, Manitoba Public Insurance also implemented a payment process where customers can load an MPI WE Card at the Northern Store. Customers are then given a receipt which they present as payment at the time of their test.

High school driver education services also being expanded

In addition to these service enhancements, Manitoba Public Insurance is working with community leaders to expand its High School Driver Education program into the Island Lake region of the province. Doing so will give new generations of drivers access to the same professional driver training services available to new teen drivers in other rural Manitoba communities.

Earlier this year, the Corporation announced similar expansions to four Manitoba Keewatinowi Okimakanak (MKO) communities: Cross Lake, Split Lake, Nelson House and Norway House.

Recognizing the extraordinary challenges area residents are facing as a result of the tornado and extreme weather that affected the RM of Alonsa on Friday, Aug.3, Manitoba Public Insurance is taking steps to make the vehicle damage claims reporting process as simple as possible.

Impacted residents are encouraged to call 1-800-665-2410 (toll-free) to report their claim. A dedicated team of adjusters has been established to process total loss claims for affected area residents on a priority basis.

Tow truck companies have also been dispatched to the area to remove damaged vehicles from the water and beach area as part of the environmental clean-up effort. Towing of other non-drivable vehicles from private properties can be arranged when reporting claims to MPI.

MPI vehicle damage estimators are also in the area on Thursday, Aug. 9 and Friday, Aug. 10 to identify damaged vehicles and prepare initial damage estimates on-site.

Manitoba Public Insurance continues to improve its overall service strategy when dealing with emergency storms in rural Manitoba. A newly launched portable hail response trailer now enables the Corporation to properly estimate customer vehicles anywhere in Manitoba very quickly after a storm. This trailer is currently operating in the Swan River area to handle hail claims reported in the surrounding community over the weekend.

MPI also works with local municipalities in rural Manitoba to establish temporary service locations in rural arenas and parking lots when required. Doing so ensures local service is provided in a timely and convenient manner to the hardest hit rural locations affected by summer storms.

As the August holiday weekend approaches, Manitoba Public Insurance encourages all drivers to use extra caution on Manitoba roadways to ensure a safe long weekend.

Over the last five years (2013-17), an average of two Manitobans have been killed and another 86 people injured in motor vehicle collisions over the August long weekend, according to Manitoba Public Insurance data.

“Too often, these were fatalities and serious injuries that didn’t need to happen,” said Ward Keith, vice-president, Business Development & Communications, Chief Administrative Officer, Manitoba Public Insurance.

“Road safety is everyone’s responsibility and every road user needs to do their part to keep themselves and each other safe. This is particularly important over long weekends when highway traffic volumes are higher and people are in a hurry to get to their holiday weekend destinations.”

Too many fatalities related to high-risk driving behaviour

In the first seven months of this year, 47 Manitobans have been killed in motor vehicle collisions on public roadways. Preliminary data reports that about 40 per cent of fatal crashes were related to impaired driving, while one in three fatalities involved non-use of seatbelts. Speed, including driving too fast for conditions, played a role in about one in four fatalities so far this year.

“Even one fatality is one too many, but when Manitobans lose their lives or sustain serious injuries due to distracted or impaired driving, speed, or not buckling up, these losses are particularly tragic because they don’t need to happen,” said Keith.

“By making safe decisions and driving with extra care and attention, we can all enjoy the August long weekend without a single death or serious injury on our roads.”

Top five road safety tips for a safe holiday weekend

• Don’t text and drive. It’s against the law and is enforced with a fine and five demerits on the Driver Safety Rating scale if convicted. Forty per cent of fatal crashes were related to distracted driving in 2017.
• Don’t drive while impaired by drugs or alcohol. Driving drunk or high slows reaction time and continues to be a major contributor to fatal collisions in Manitoba. It’s also a criminal offence that can result in severe penalties, including jail time.
• Don’t speed. Speeding at-fault drivers are responsible for the deaths of 18 people each year and injury to 800 others.
• Buckle up. It takes one second to buckle up and doing so could save your life. Always wear your seatbelt and ensure passengers are buckled up too, regardless how long or short your trip is.
• Slow down in construction zones. Watch for signs as the speed limit will be lower in a construction zone. Follow directions. The flag person helps control the flow of traffic. Follow their directions, including slowing down or stopping.

In an effort to promote safer driving and reduce the number of motor vehicle collisions on our roadways, Manitoba Public Insurance encourages all Manitobans to consider the benefits of driver-assist safety features when shopping for a new or used vehicle.

“While exterior colour, interior design, engine size and optional convenience features are common criteria when deciding on a new or used vehicle, the driver-assist safety features available in many of today’s models should also be an important consideration,” said Ward Keith, vice-president, Business Development & Communications, Manitoba Public Insurance.

Driver-assist safety features include back-up cameras, blind spot detection warning systems, lane departure warning and correction systems, adaptive headlights and automatic braking systems, to name just a few.

“When understood and used appropriately, these technologies can assist drivers in avoiding collisions. Fewer collisions ultimately affects the insurance premiums all vehicle owners and drivers pay,” added Keith.

Based on a recent poll of Manitobans conducted by Manitoba Public Insurance, it is clear that many Manitobans are not fully aware of how driver-assist safety features in vehicles work in conjunction with the driver to reduce collision risk. However the same poll revealed that once a brief description of the features was provided, the majority of those surveyed believed that driver-assist safety features would help reduce the risk of a family member being involved in a serious collision.

Various vehicle manufacturers may call these technologies by different names and options may work differently or have varying capabilities, depending on the vehicle’s manufacturer. As such, people in the market for a new or used vehicle are encouraged to do a little research to understand what vehicle safety features are offered, and how they work.

To assist, Manitoba Public Insurance recently launched a new public awareness campaign designed to provide Manitobans with information to better understand the driver-assist safety features available in many vehicles, and how these features can reduce collision risk.

“Our objective with this campaign is to give Manitobans the information they need to help make informed decisions when buying a new or used vehicle,” said Keith. “Road safety is everyone’s responsibility and while drivers are ultimately responsible for the care and control of vehicles on our roads, driver-assist safety features can be very helpful in keeping drivers alert and preventing collisions due to driver error.”

Some vehicle safety features to look for:

• Electronic stability control (ESC) – helps you maintain control if you begin to skid.
• Anti-lock brakes – prevents lock-ups and skidding, even in slippery conditions, and allows you to maintain control during emergency braking.
• Back-up cameras – a video camera attached to the rear of your vehicle provides a visual display directly behind your vehicle when reversing.
• Lane departure warning system – alerts you if you’re about to drift into another lane when your turn signal isn’t on.
• Blind-spot detection system – senses vehicles in blind spots behind or alongside you.
• Forward collision avoidance system – uses sensors to detect speed and distance between your vehicle and the vehicle ahead. Some systems include automatic emergency braking functionality.
• Adaptive cruise control – automatically adjusts the speed of your vehicle in relation to the vehicle ahead to maintain a safe following distance.
• Adaptive headlights – swivel to illuminate the path you are driving rather than aiming straight ahead, to increase visibility around curves or over hills.

Manitoba Public Insurance reported net income of $33.7 million for the three months of its fiscal year ending May 31, 2018 – a decrease of $5.2 million over the same time period last year. Net income of $14.9 million is reported for the Basic insurance line of business, which is a decrease of $0.6 million from the first three months of the 2017/18 fiscal year.

“While the first quarter results are favourable, net income remains subject to change throughout the year based on variations in investment results affected by the financial markets and weather-related factors that drive claims and claims costs,” said Mark Giesbrecht, vice-president, Finance and Chief Financial Officer, Manitoba Public Insurance.

“Historically, the first two quarters of the Corporation’s fiscal year generate a profit, which is then offset by an increase in claims during the winter months. Summer hail storms, such as the one that struck the southwest area of the province in mid-June, can also have a significant effect on overall claims costs and the resulting financial picture for the Corporation.”

Total earned revenues for the first three months rose by $23.2 million from the same period last year, driven mainly by an increase in the number of motor vehicles insured, the value of those vehicles and a 2.6 per cent overall Basic rate increase ordered by the Public Utilities Board effective March 1, 2018.

Last month Manitoba Public Insurance applied to the Public Utilities Board for an overall increase of 2.2 per cent in Basic insurance premiums for the 2019/20 insurance year. The majority of that increase consists of a proposed Capital Maintenance Provision which will ensure an adequate Basic rate stabilization reserve is maintained throughout the year to absorb unexpected variations in revenues, claims costs and investment income.

“Manitoba Public Insurance remains committed to delivering on its mandate to provide exceptional coverage and service at rates that are affordable, predictable and stable over the long-term,” said Giesbrecht. “Maintaining an adequate rate stabilization reserve, combined with holding sufficient reserves will ensure we meet our financial obligations and are prepared for events such as hail storms.

“Prudent claims management practices, including an increased focus on detecting fraudulent claims, along with management actions to control operating costs and maximize operational efficiencies, will ensure we continue delivering on this promise for the benefit of all Manitobans.”

With summer holiday road trips now in full swing, Manitoba Public Insurance is calling on drowsy drivers to wake up to their dangerous behaviour.

In a recent poll conducted by Manitoba Public Insurance, almost half of 800 respondents reported driving while drowsy at least once, including feeling drowsy while driving on a long trip, during the day or at night.

“Traffic volumes on our highways typically increase in summer months as people travel to holiday destinations,” said Ward Keith, vice-president, Business Development & Communications, Manitoba Public Insurance. “Some drivers may also be tempted to push themselves to drive for longer periods of time to get to their holiday destinations more quickly, but doing so could lead to unnecessary collisions.”

When traveling on summer road trips alone or with family, it’s important that drivers remember to build in time for frequent breaks to ensure a safe arrival. Drivers should also build in time for potential travel delays due to severe weather, traffic congestion or road construction.

On average, 83 crashes each year are tied to some form of driver fatigue, according to Manitoba Public Insurance data. Over the 10 year period from 2007 to 2016, approximately seven of these collisions result in a fatality or serious injury annually.

“We encourage all drivers to act responsibility any time they are on the road,” said Keith. “This means recognizing when you are too tired to be behind the wheel. Pull over, rest and continue on when you’re alert and completely awake. It’s better to arrive late than not at all.”

Some fatigue warning symptoms to watch for while driving:

• can’t stop yawning
• have trouble keeping your eyes open
• can’t remember the last few kilometers you’ve driven
• car starts drifting within your lane
• unable to concentrate and find that your thoughts wander

If you have one of these symptoms, it’s best to get off the road and to find a safe rest area to take a nap.

Manitoba Public Insurance announced it has requested a 2.2 per cent overall rate increase for the 2019/20 insurance year in its general rate application (GRA) filed with the Public Utilities Board today. If approved, the average passenger vehicle owner will pay about $27 more in premiums per year as a result of the requested increase, or $2.25 per month.

“The overall rate increase is required to maintain the Corporation’s Rate Stabilization Reserve which is used to absorb adverse financial results,” Ben Graham, president and chief executive officer of Manitoba Public Insurance said today.

“We fully recognize that our customers expect us to deliver comprehensive auto insurance coverage and service at rates that are affordable, predictable and stable over time. We believe this rate application continues to deliver on that mandate.”

Operationally, the Corporation continues to experience higher physical damage costs directly related to newer-model vehicles. Over the past five years, collision claim costs have been growing about five per cent annually, compared to the prior long term average of about two to three per cent annually.

“Newer vehicles have a wide-range of complex materials and driver assist technology features which are costly to repair or replace after a collision,” said Graham. “Understandably, newer vehicles of today are more expensive to repair than vehicles a decade ago.”

Manitoba’s weather can also have a major influence on the Corporation’s financial results. Fortunately, last year there was a significant reduction in vehicle hail claims ─ 2,100 claims filed in 2017, compared to 11,000 and 13,000 in 2016 and 2015, respectively.

The Corporation also continues its focus on fiscal prudence and cost containment, having lowered its expense forecast by $6 million, which builds on the forecasted staff and expense reductions identified in last year’s GRA.

“The combination of corporate cost containment, combined with a reduction of weather-related comprehensive claims both contributed to this modest rate increase,” said Graham.

Maintaining Adequate Capital

All insurance companies hold funds to pay claims, as well as to maintain a buffer of capital to endure unexpected adverse circumstances. Manitoba Public Insurance’s ‘buffer’ is known as the Rate Stabilization Reserve and to remain effective it must grow with the business. For the 2019/20 insurance year, the Corporation is proposing a Capital Maintenance Provision which accounts for 2.1 per cent of the overall 2.2 per cent increase.

“This will ensure the financial strength of public auto insurance is maintained, and that the Rate Stabilization Reserve can continue to protect motorists against rate increases due to unexpected variations and adverse circumstances,” said Graham.

Finalizing Vehicles For Hire Rates

The 2019 GRA will also seek final approval of the Vehicle for Hire (VFH) rates approved on an interim basis by the PUB in January 2018. VFH rates are available to private passenger vehicle and light truck owners interested in offering ride-share services in accordance to municipal by-laws starting March 1, 2018. VFH rates also apply to existing types of vehicles for hire such as taxicabs, limousines and accessible vehicles.

If approved by the Public Utilities Board, a total of 547,166 vehicles (excluding trailers and off-road vehicles) will receive a premium increase in 2019/20, with 39.5 per cent of these vehicles increasing by less than $50 per year. Approximately 37.7 per cent of all vehicle owners (excluding trailers and off-road vehicles) will see no change or a decrease in premium over 2018/19 rates.

Proposed rates will be effective March 1, 2019 but because renewal dates are staggered, some vehicle owners won’t pay the new rates until February 28, 2020.

While individual rates will continue to vary based on the type of vehicle being insured, vehicle use, rating territory, and driving history, the following overall rate increases have been requested by major vehicle class.

Major Use	Applied for Rate Changes
Private passenger	2.4%
Commercial	2.4%
Public	0.6%
Motorcycles	3.1%
Trailers	-4.7%
Off-road Vehicles	-20.0%
Overall (applied for)	2.2%

Annual report

Manitoba Public Insurance also released its 2017/18 annual report this week. The Corporation reported a net income from operations of $91.1 million. The Corporation’s overall claims costs decreased by approximately $72.5 million compared to the previous year due primarily to the fact that a significant actuarial adjustment was made in 2016/17. Fewer hail claims also contributed to the decrease in claims costs, although offset by increases in collision and property damage claims over the same period.

The increase in net income was also due to an increase of $65.3 million in revenues, and an increase of $38.2 million in investment income.

Last year, Manitobans filed an average of 1,203 claims every working day. This represents about $3.1 million in Autopac claims every working day.

With the warmer weather now upon us, Manitoba Public Insurance is reminding all motorists of an increase in recreational and commuter cycling activity, and the importance of motorists and cyclists using caution, and showing mutual respect for each other on Manitoba roadways.

“Every road user, whether walking, cycling or driving, has a right to expect they will arrive at their destination safely,” said Ward Keith, vice-president, Business Development and Communications, Manitoba Public Insurance. “If we are to succeed in reducing fatalities and injuries on our roadways, everyone needs to take personal responsibility for how they drive, and in the case of cyclists, how they ride.”

On average, four cyclists are killed in motor vehicle collisions yearly in Manitoba. Another 100 cyclists are injured. Through awareness and education, Manitoba Public Insurance and Bike Winnipeg are working together to reduce those numbers towards the ultimate goal of having zero fatalities and serious injuries on our roads.

For motorists, this means giving cyclists ‘room to breathe’.

This month, Manitoba Public Insurance is launching its annual cycling safety campaign with a reminder to motorists to give at least one metre of space when driving alongside or overtaking cyclists. This campaign supplements other safety tips for motorists when approaching and overtaking cyclists, as well as safety education programs for cyclists supported by Manitoba’s public insurer.

“Leaving one metre of space when passing cyclists is one simple way that motorists can do their part to help keep cyclists safe and give them the space they need to safely navigate around road hazards,” said Keith.

“One metre of distance can literally make the difference between a serious collision and a non-event,” said Mark Cohoe, executive director, Bike Winnipeg. “Continued education and heightened awareness about the one-metre distance are positive steps in making cycling a safe experience for both cyclists and motorists.”

Important safety tips for cycling safety

For drivers:

• When passing a cyclist, leave a distance of at least one metre to ensure a safe ride. Please leave space to breathe, even if this requires you to change lanes to pass safely.
• Take extra caution at intersections and watch for cyclists when making right or left turns.
• After parking your vehicle, look for cyclists before opening your door. Opening a car door into the path of a cyclist can lead to serious injuries.
• When entering and exiting roadways and intersections, scan the sidewalks in both directions for cyclists. Remember, smaller bikes are allowed on sidewalks.

For cyclists:

• Always follow the rules of the road, including stopping at traffic lights and stop signs.
• Never pass stopped vehicles in the same lane or when stopped at an intersection as the driver may not see you and turn into your path.
• Always ride on the roadway, unless your bicycle is small enough to legally ride on the sidewalk. Many cycling collisions occur when bicycles are coming off sidewalks at intersections or when crossing driveways.
• Ride defensively, consider wearing reflective clothing, and use hand signals to alert motorists to your intentions.

Over the last eight years, nearly 2,000 impaired drivers have been taken off the road thanks to the Manitoba Public Insurance sponsored RoadWatch program.

Now in its 20th year, RoadWatch begins this Victoria Day weekend and will continue until November. The program supplements existing police enforcement efforts and will result in enhanced police presence on Manitoba streets and highways, particularly on holiday weekends. In total, nine police agencies will participate, including the RCMP and police services in Winnipeg, Brandon, Morden, Winkler, Altona, Dakota, Rivers and Ste. Anne.

“Everyone who uses our roadways has a right to expect they will arrive at their destination safely,” said Ward Keith, vice-president, Business Development & Communications, Manitoba Public Insurance. “High-visibility roadside check stops, when combined with public awareness and education, send a strong message that illegal and high-risk driving behaviours such as impaired driving, speeding, distracted driving and non-use of seatbelts will not be tolerated.

“These behaviours continue to be major contributing factors in collisions, which not only drive up auto insurance costs, but can also result in unnecessary and preventable loss of life and serious injuries,” added Keith.

In 2016, impaired driving was determined to be a contributing factor in nearly 36 per cent of all fatal collisions, while speed and distracted driving were factors in nearly 30 per cent of fatalities reported. Non-use of seat belts also continues to be a major factor in fatalities involving drivers and passengers.

From 2010-2017, more than 480,000 vehicles were screened by participating law enforcement agencies. In addition to removing nearly 2,000 impaired drivers from the road and reinforcing road safety messaging against impaired driving to countless others who encountered a check stop, more than 16,000 Highway Traffic Act offence notices were also issued for offences ranging from speeding to texting while driving to driving on a suspended licence or without proper vehicle insurance.

With road safety at the forefront, the launch of this year’s RoadWatch aligns with Canada Road Safety Week, a national weeklong effort to raise awareness about safe driving habits that runs from May 15-21.

Watching for high-risk driving behaviour and keeping impaired drivers off Manitoba roads is also a priority of law enforcement.

“As police officers, we far too often see the consequences of the choice to drive impaired – they are horrific, and they are tragic,” said RCMP Assistant Commissioner Scott Kolody, President of the Manitoba Association of Chiefs of Police. “The RoadWatch program is a valuable tool for us in helping get impaired drivers off the road. One impaired driver is one too many. The devastation that one driver can cause is immense.”

Who is driving impaired?

• Young males make up the majority of those involved in impaired collisions.
• Males account for three-quarters of impaired drivers involved in crashes.
• Drivers under age 35 (all genders) account for nearly two-thirds of impaired drivers involved in crashes.
• Drivers under the age of 35 have a rate of involvement in impaired driving crashes that is more than four times that of drivers age 35 and older.

For the first four months of 2018, there have been 23 people killed on Manitoba’s public roadways. This is double from the same time frame in 2017 and 44 per cent higher than average over the last five years, according to Manitoba Public Insurance.

With the news of these concerning numbers, there’s no better time for Manitobans to focus on road safety than Canada Road Safety Week taking place May 15-21. This annual awareness campaign focuses on behaviours that put drivers, passengers and other road users most at risk: distracted driving, impaired driving, non-seatbelt use, speeding and incidents involving vulnerable road users.

“Road safety is the responsibility of all Manitobans,” said Ward Keith, vice-president, Business Development & Communications, Manitoba Public Insurance. “Behind these numbers are real lives lost and families left to deal with the senseless and often unnecessary loss of a loved one.”

“As a community we need to start thinking differently about road safety. We need to change the conversation and create a culture where even one motor vehicle fatality is considered one too many,” added Keith.

Preliminary analysis reveals that of the 14 drivers and passengers killed in fatal crashes so far this year in the province, nearly 40 per cent were not using a seatbelt at the time of the crash. Other contributing factors include impaired driving, distracted driving and speed.

Last September, Manitoba’s Provincial Road Safety Committee released its road safety action plan. The Road to Zero: Manitoba Road Safety Plan 2017-2020 is the first plan of its kind in Manitoba, and provides a vision for Manitoba to have the safest roads in Canada. The plan adopts a safe systems approach to road safety in which road users, highway infrastructure, vehicle design and technology, legislation, enforcement, and health services all play a role in developing solutions to reduce or eliminate injury and death on our roadways.

Highlighted priorities from the plan include more coordinated research and planning between agencies within the safe system, early adoption of automated vehicle technology, improved safety for vulnerable road users through smart road design, evolving Manitoba’s traffic safety culture, reducing driver distraction and impairment, increasing awareness of medically at-risk drivers of all ages, and examining new speed management strategies to lower risk, among others.

“Canada Road Safety Week should serve as an important reminder to all road users that we must all do our part to keep ourselves and others safe on the road”, said Keith. “This collective focus on road safety has never been more important as we try to reverse the trending in fatalities experienced in the first 4 months of 2018, and as we head into summer when weekend and vacation traffic tends to be heavier on our highways.”

“Together we can achieve our vision of zero traffic fatalities and make our roads the safest in Canada for the benefit of our families, neighbours and communities.”

Whether on two, three or four wheels, all road users have the right to be safe on our public roadways, which is why Manitoba Public Insurance is again recognizing motorcycle safety awareness month, and encouraging all road users to share the road responsibly.

In an effort to heighten road safety awareness between drivers of vehicles and motorcyclists, Manitoba’s public auto insurer recently launched its annual “Look Twice” campaign.

“With the motorcycle riding season now in full swing, it’s important that motorists remember to watch carefully for motorcyclists, particularly when making lane changes or left turns at intersections,” said Ward Keith, vice-president Business Development & Communications, Manitoba Public Insurance. “Motorcyclists can also do their part by riding defensively, using safety equipment, and wearing reflective gear to be as visible as possible.

“While May is motorcycle safety awareness month, safety on our roadways should be a priority throughout the entire motorcycle riding season,” added Keith. “It’s another way we can change the conversation about traffic safety in our province and create a culture where all road users have mutual respect for each other. For drivers this means acknowledging that motorcyclists have every right to use our roads safely, as do cyclists and pedestrians.”

Last year in Manitoba, seven motorcyclists were killed on public roadways. This riding season, the goal is clear – to reduce that number to zero. This is a goal shared by the Coalition of Manitoba Motorcycle Groups (CMMG), which annually stages its motorcycle safety awareness rally on the grounds of the Manitoba Legislature.

“Motorcycle safety is everyone’s responsibility,” said CMMG President Rod Wetteland. “Riding and driving Manitoba roads is not an entitlement, it’s a privilege. Road safety depends on all of us, not just the other guy.

“That’s not just a motorcycle in your mirror: it’s a mother, father, daughter, sister, brother, grandmother or grandfather. It’s up to all of us that they get home safely.”

Safety Tips

For motorcyclists:

• Wear the right gear, including an approved safety helmet, eye protection, jacket, pants and boots.
• Try to be highly visible whenever possible by wearing bright or fluorescent colours such as yellow, red or orange to enhance visibility.
• Ride with your headlight on and in a position on the roadway where you are visible to motorists and out of their blind spots.

For drivers:

• Always look twice when changing lanes and at intersections to be sure there isn’t a motorcycle or moped in the blind spot.
• Watch for signals. It may be hard to see a motorcycle or moped’s turning signal so watch for other signs like shoulder checking which can indicate the rider is planning to change lanes or turn.
• Keep your distance. Motorcycles and mopeds may stop faster than other vehicles. Maintain a following distance of at least four seconds and increase this distance at night or when it’s raining.

Due to a fire recently at the Dauphin Service Centre, Manitoba Public Insurance has re-located its office to the fourth floor of the Dauphin Provincial Building located at 27 Second Ave. S.W.

This temporary location will provide essential services, with customers encouraged to visit their Autopac agent for other business needs. Due to smoke and residue damage, the Dauphin Service Centre will remain closed for about three weeks to allow for clean-up and repairs.

As per past business practices, customers are still required to book appointments for their driver’s tests (in-car and knowledge) and vehicle estimates: Manitoba Public Insurance Contact Centre at 1-800-665-2410. Business hours for the temporary office remain Monday to Friday: 8:30 a.m. to 4:30 p.m.

Nearly 40 per cent of drivers and passengers killed this year in public roadway crashes were not using a seatbelt at the time of the crash, according to preliminary fatality data from Manitoba Public Insurance.

After recently reporting that February 2018 was the second worst February for road deaths in two decades with nine lives lost, updated data from Manitoba’s public auto insurer reveals a further five fatalities in crashes on public roads in March. This brings to 18 the number of Manitobans killed in motor vehicle crashes for the first three months of 2018 – about 80 per cent higher than average over the last five years during the same time frame.

Further analysis reveals that of the 13 drivers and passengers killed in fatal crashes so far this year, nearly 40 per cent were not using a seatbelt at the time of the crash.

“While the vast majority of Manitobans wear their seatbelts all the time, these results serve as a strong reminder that failing to buckle up can have tragic consequences,” said Ward Keith, vice-president, Business Development and Communications, CAO, Manitoba Public Insurance. “A properly fastened seatbelt works in conjunction with a vehicle’s airbag system to keep occupants safe, particularly when crashes involve loss of vehicle control or vehicle rollovers.”

In efforts to raise awareness about seatbelt safety, Manitoba Public Insurance and its police partners hosted a media event today where a crash victim from Niverville told an audience of high school students how she survived a single-vehicle rollover because she was belted in. The woman’s baby was also in the vehicle. The baby was safely buckled into its child car seat and was uninjured in the crash. Vehicles damaged in rollover collisions, pulled from the Manitoba Public Insurance vehicle damage compound, served as a backdrop for the event, which also involved a tour of the compound to view other severely damaged vehicles for the high school students in attendance.

“Testimonials of this nature drive home the importance of wearing seatbelts and safely protecting children in approved child restraint systems when riding in vehicles,” said Keith. “These are real-life examples of how tragedies can be avoided. Sharing these stories is one way we are working with Manitobans to change the conversation about traffic safety, and create a culture where even one fatality or serious injury is considered one too many.”

Seatbelt Facts:

• People who don’t use vehicle safety equipment properly are 35 to 40 times more likely to be killed when involved in a crash.
• When buckling up, make sure the seatbelt’s shoulder strap crosses over the shoulder and the lap belt is positioned across the hips. For seatbelts to work properly they should lay flat against the body.
• Become a road safety advocate. As a driver, take responsibility for ensuring all of your passengers are wearing their seatbelts, regardless where they are sitting in the vehicle. This includes ensuring children are properly secured in child cars seats or booster seats.
• Don’t assume short trips are less dangerous. Most collisions occur within short distances from home. Wear your seatbelt all the time – no exceptions.
• Avoid a costly penalty. If caught not wearing a seatbelt in Manitoba, you will be fined $299.65 and the infraction will move you down two levels on your Driver Safety Rating scale.

With an average of one in three road deaths in Manitoba and thousands of collisions attributed to distracted driving annually, Manitoba Public Insurance is once again funding a highly successful road safety initiative aimed at drivers who continue to illegally use hand-held electronic devices while driving.

Manitoba’s public auto insurer is providing approximately $200,000 in funding to support enhanced police enforcement programs, which began earlier this month and will run throughout April. Additional campaigns are planned for July and the fall. The campaign launches on the heels of tough new distracted driving legislation announced last month by the Government of Manitoba.

“This campaign is a joint initiative between Manitoba Public Insurance, the RCMP and police services in Winnipeg, Brandon, Winkler, Morden, Rivers, Altona and Dakota Ojibway. For the seventh consecutive year, Manitoba Public Insurance funding will be used to enhance regular enforcement efforts by our police partners,” explained Ward Keith, vice-president, Business Development and Communications, Manitoba Public Insurance.

“Over the past seven years of these distracted driving campaigns, nearly 10,000 provincial offence notices were issued by law enforcement partners. This is a clear indication that more work is required to address growing concerns about distracted driving.”

Distracted driving collisions rising

Distracted driving collisions in the province increased from 2,415 in 2011 to 11,086 in 2016, according to Manitoba Public Insurance data. The direct insurance costs associated with distracted driving have been estimated at least $70 million per year, a figure that ultimately affects the insurance premiums that all vehicle owners pay.

“These joint awareness and enforcement projects are a good example of how road safety partners can work together to align efforts and maximize outcomes for the safety of all road users,” said Keith. “Together they send a powerful message that high-risk driving behaviours contributing to collisions, serious injuries and fatalities are no longer acceptable and will not be tolerated. Everyone is entitled to be safe on our roadways.”

Fostering safer roads for all

“We cannot stress enough the importance of being focused while driving on Manitoba’s roadways,” said RCMP Assistant Commissioner Scott Kolody, President of the Manitoba Association of Chiefs of Police.

“It is paramount that all drivers make every effort to make good decisions while driving and not get distracted. The decision to pay attention on the road can save lives. Many of the deaths we see on our roadways are avoidable, and it is imperative that people think about the consequences of their actions. Through dedicated enforcement projects, police are working to stop people from driving while distracted.”

Police enforcement activities supported by Manitoba Public Insurance will include both traditional roadside enforcement and more creative tactics. One such tactic recently announced by the Winnipeg Police Service involves placing officers on transit buses to observe drivers who may be using their cellphones while driving.

March is Fraud Prevention Month in Canada and Manitoba Public Insurance, in support of this initiative, has released three frauds which were recently discovered thanks to solid investigative efforts. The claims savings from uncovering these frauds are estimated to be nearly $50,000.

“Insurance fraud is not a victimless crime and affects honest Manitobans through the insurance premiums they pay,” said Ward Keith, vice-president, Business Development and Communications, CAO, Manitoba Public Insurance. “By heightening awareness about insurance fraud, it’s hoped more people will come forward with information about those individuals who attempt to dupe Manitoba Public Insurance and all rate payers.”

Anyone with information about auto insurance fraud is encouraged to report their suspicions through the Corporation’s TIPS line by calling 204-985-8477 or toll-free 1-877-985-8477. All calls are anonymous.

“Too injured to carry the garbage”

The claimant, who was originally injured in a motorcycle crash, alleged he was in such extreme pain he could only stand for a few minutes at a time and was physically incapable of carrying a small bag of trash to the garbage bin. It’s a tale of woe that continued for months.

With no signs of improvement and suspicions mounting around the severity of crash-related injuries, Manitoba Public Insurance’s Special Investigation Unit was asked to take a closer look. Investigators observed the man walking for long periods of time without the use of mobility aids, operating a piece of machinery, and easily pushing a fully loaded wheelbarrow. Contrary to what he had told his case manager, he was also observed driving a vehicle.

After all the evidence was gathered, the man’s bodily injury claim was subsequently reviewed and terminated.

“Bush-wacked car”

A hunter, deep in the backwoods of the Interlake, was amazed when he came across a car in the middle of the isolated bush. It was apparent the vehicle had been deliberately parked to be out of sight. Five days earlier, the vehicle’s owner reported that his (locked) vehicle had been stolen.

The subsequent investigation found that the ignition had not been defeated, the vehicle’s immobilizer had not been compromised and there were no visible signs of forced entry. There was also only one key to the vehicle which was in the owner’s possession. An estimator examined the vehicle and determined it was in very poor condition overall and would not pass a safety inspection.

It was quickly determined that the vehicle could not have been driven without a programmed transponder key. With this information in hand, Manitoba Public Insurance denied coverage due to the owner providing a false statement.

“The invisible woman”

The woman, in her late 20s, stated she was in a collision which resulted in injuries. She told her case manager she was struggling to take care of herself and her child ─ requesting income replacement payments and home care assistance. Due to discrepancies in her documentation, suspicions soon arose and the file was forwarded to the Special Investigation Unit.

The woman’s tall tale quickly unraveled when an investigator spoke to the driver and passenger in the other vehicle involved in the collision. They reported exchanging particulars with an older man, who was accompanied by an elderly woman. Both eyewitnesses also confirmed the younger woman was not at the scene of the crash after they were shown a picture of her.

The investigation conclusively proved the woman was not involved in the collision and not entitled to benefits. Due to false information being provided, the woman’s claim was terminated.

More information about insurance fraud

Fraud Prevention Month is an annual campaign held in March that aims to prevent Canadians from becoming victims of fraud.

Insurance fraud – automobile, home or health care – costs Canadians more than $3 billion a year in premiums, according to the Insurance Bureau of Canada.

Organizations around the world lose an estimated five per cent of their annual revenues to fraud, according to a survey of fraud experts conducted by the Association of Certified Fraud Examiners.

Manitoba Public Insurance has recorded nearly $40 million in claims savings over the last five years thanks to successful investigation efforts by the public auto insurer.

March is Fraud Prevention Month in Canada and this year marks the 14th anniversary of the annual education and awareness campaign that encourages Canadians to recognize, reject and report fraud.

“Insurance fraud is a crime that costs all rate payers,” said Ward Keith, vice-president, Business Development and Communications, CAO, Manitoba Public Insurance. “This is why we have a dedicated focus on investigating potential fraudulent claims that may include vehicle arson, hit and run claims, staged collisions, false vandalism claims or arranged vehicle thefts.”

Recorded claims savings over the last five years are based on a reconciliation of fraudulent claims denied, money recovered after payments were made, and customers withdrawing suspicious claims when put under investigation.

In its efforts to keep automobile insurance rates as low as possible, the Corporation issues each year its highly popular Top 5 Fraud list. In addition, front-line staff receive specialized training to assist in identifying suspicious claims which may then be reviewed by Manitoba Public Insurance’s Special Investigation Unit.

Special investigators handle about 3,000 claims yearly. In addition to the efforts of its investigators, Manitoba Public Insurance has an excellent working relationship with police agencies throughout Manitoba. The Corporation also operates a dedicated TIPS Line, which is a valuable source of information for fraud investigators.

Anyone with information about auto insurance fraud is encouraged to report their suspicions through the Corporation’s TIPS Line by calling 204-985-8477 or toll-free 1-877-985-8477. All calls are treated anonymously.

More information about insurance fraud

Fraud Prevention Month is an annual campaign held in March that aims to prevent Canadians from becoming victims of fraud.

Insurance fraud – automobile, home or health care – costs Canadians more than $3 billion a year in premiums, according to the Insurance Bureau of Canada.

Organizations around the world lose an estimated five per cent of their annual revenues to fraud, according to a survey of fraud experts conducted by the Association of Certified Fraud Examiners (ACFE).

After declaring 2017 one of the safest years for road fatalities in 35 years, Manitoba Public Insurance reported today that a total of nine fatalities were reported last month, making February 2018 the second worst February for road deaths in two decades.

When added to the four deaths recorded in January, the total number of road fatalities in the first two months of 2018 is nearly three times higher than in the same period last year and twice as high as the preceding five year average.

“The number of fatalities on Manitoba roadways last month should be a wake-up call to all drivers, particularly with several weeks of winter weather and road conditions still ahead of us,” said Ward Keith, vice-president, Business Development and Communications, CAO, Manitoba Public Insurance.

“Winter driving can be a challenge for the best of drivers but when combined with high-risk driving behaviours, the outcomes can be tragic.”

Although the full analysis of February fatal crashes is still in progress, preliminary data shows almost half of these crashes involved impaired driving and nearly two in three involved not wearing seatbelts. In two thirds of the crashes, speed is also suspected as a contributing factor, including driving too fast for road and weather conditions.

“As we focus on making 2018 a safer year for collisions on Manitoba roadways, it is essential that all drivers take personal responsibility for their own safety and the safety of other road users,” said Keith. “Together we need to change the conversation about traffic safety and create a culture where even one fatality or serious injury is considered one too many. And that change needs to start now.”

Safety tips that could save a life

1. Have a plan before you head out for an evening of partying – especially if you expect to be drinking or consuming drugs. Hire a cab, or vehicle for hire, or have a designated driver selected beforehand.
2. If you must text or answer the phone, pull your vehicle over to a safe area. Texting while driving takes your eyes off the road and significantly increases the chance of being involved in a collision.
3. Never get into a vehicle with a driver who has been drinking or consuming drugs. It could be the last thing you do.
4. Speed kills. Be aware of the posted speed limit and drive to road and weather conditions.
5. Buckle up – every time. Whether you’re a driver or passenger, and no matter how short your trip is. It takes one second and could very well save your life.
6. With another winter storm predicted to hit Manitoba this coming weekend, all motorists are encouraged to drive defensively, leave plenty of room between vehicles, keep windshields clear and drive to conditions. Road closures due to weather should also be observed as they are intended to keep road users safe.

Manitoba Public Insurance took its cannabis-impaired driving awareness and education campaign to the next level today, with more than 600 students from Winnipeg’s Mennonite Brethren Collegiate Institute viewing an impactful video about the fatal consequences of driving while high.

Manitoba Public Insurance is the provincial sponsor of MADD Canada’s School Assembly Program, which officially launched in Manitoba today and will reach an estimated 100,000 middle and high school students through more than 100 presentations over the next several weeks. The 2018 film titled ‘The Pact’ focuses directly on the extent to which consuming cannabis can impair driving and lead to tragic outcomes. The film also takes aim at correcting the misconception that driving while high is less dangerous than driving drunk.

(To view a clip from The Pact, media can visit http://madd.ca/pages/programs/youth-services/school-programs/the-pact/.

Last spring, Manitoba’s public auto insurer launched a broad, multi-pronged public awareness and education campaign aimed at raising awareness about the dangers and consequences of drug-impaired driving, in lead up to the legalization of recreational use of cannabis expected later this year.

“Raising awareness and initiating conversations about drug-impaired driving is very important, particularly among young drivers who may have misconceptions about the impacts that cannabis and other drugs can having on a person’s ability to operate a vehicle safely,” said Ward Keith, vice-president, Business Development and Communications, CAO, Manitoba Public Insurance.

Using the campaign tagline ‘Think you can drive high? – Think again’ the education campaign includes new curriculum in the Corporation’s high school driver education program, public awareness messaging through TV, radio print, and outdoor billboards, and raising awareness about the impairing effects of prescription medications in cooperation with the medical community.

“MPI’s ongoing partnership with MADD Canada, allows us to step up our efforts even more by taking direct aim a new or soon-to-be new teen drivers. Our goal is to ensure that when cannabis becomes more accessible later this year, young people will have the information they need to make smart and safe decisions about driving after taking drugs, or accepting rides from drivers who have.”

With 73 people killed last year in 65 fatal collisions, 2017 was one of the safest years on Manitoba public roadways since 1982, based on preliminary analysis released by Manitoba Public Insurance. 2017 results were second only to 2014 when 68 fatalities were reported.

“While it is very positive that road fatalities in 2017 were the second lowest in the last 35 years in Manitoba, the fact that 73 lives were lost is a stark reminder that much work still needs to be done to change the driving culture within our province,” said Ward Keith, vice-president of Business Development and Communications, CAO, Manitoba Public Insurance.

“We must remember that behind these numbers are mothers, fathers, sons, daughters, grandparents, good friends and co-workers. Road safety is very much a partnership between motorists, other road users, and road safety agencies within our province.”

Based on preliminary data from 2017, there were 65 fatal collisions on public roadways in Manitoba which resulted in 73 deaths ─ a 32 per cent decrease from 2016 when 107 deaths were reported.

Although the full analysis of motor vehicle collisions in 2017 is still in progress, preliminary data shows that impaired driving, distracted driving, speed, and not wearing seatbelts continue to be primary contributing factors in fatal collisions, which once again demonstrates that the majority of these tragic losses could have been prevented.

Included in the 73 losses were seven motorcyclists and 11 pedestrians. There were no cyclists killed in 2017, according to the preliminary counts.

Recently, Manitoba Public Insurance put out a call to action, asking all road users to make 2018 the safest year in history on Manitoba roadways. The province’s public auto insurer, in partnership with MADD Canada, has also launched an awareness and education campaign providing Manitobans the information they need to make safe decisions when it comes to driving after consuming cannabis, and to understand how, similar to alcohol, cannabis and other drugs can impair driving ability.

“To stay safe on our roads and not put other road users at risk, all drivers need to think about road safety every time they get behind the wheel,” said Keith. “Buckling up all the time, driving to road and weather conditions, not driving when impaired by alcohol or drugs, or while distracted – are all simple reminders that can help to prevent being involved in a collision. They can also literally make the difference between life and death.”

Safety tips which could save a life

1. Have a plan before you head out for an evening of partying – especially if you expect to be drinking or consuming drugs. Take a cab home or have a designated driver selected beforehand.
2. If you must text or answer the phone, pull your vehicle over to a safe area. Texting while driving takes your eyes off the road and significantly increases the chance of being involved in a collision.
3. Never get into a vehicle with a driver who has been drinking or consuming drugs. It could be the last thing you do.
4. Speed kills. Be aware of the posted speed limit and drive to road and weather conditions.
5. Buckle up – every time. Whether you’re a driver or passenger, and no matter how short your trip is. It takes one second and could very well save your life.