Bodily Injury & Fatalities

Permanent Impairments

PIPP provides a one-time payment when the motor vehicle accident caused impairment that will last throughout your lifetime. "Impairment" means you've lost a normal physical or mental function or that you're scarred or disfigured from the injuries sustained in the accident. Here are a few examples of permanent impairments:

  • permanent scarring from burns
  • loss of hearing
  • disfiguring facial injuries
  • amputation of a finger
  • removal of a kidney
  • permanent paralysis
  • brain damage causing permanent short-term memory loss

Whiplash is not a permanent impairment

Soft tissue injuries which will eventually heal do not result in a payment as there has not been a permanent loss of function that will last for the duration of your life. The permanent impairment payment depends on the extent of your impairment. The type of work you did before the accident or your need for help with personal care after the accident doesn't affect the permanent impairment payment. However, these factors could affect other benefits you receive under PIPP, such as income replacement and personal assistance expenses.

Bob is a carpenter who earns $30,000 a year and Pete is a store manager who earns $45,000 a year. They're in a motorcycle accident and both of them lose the use of their right arms as a result. Bob and Pete will receive exactly the same permanent impairment payment.

Please speak to your case manager if your doctor tells you that you'll have a permanent impairment from a motor vehicle accident. Your case manager will tell you what documents Manitoba Public Insurance needs to process your claim. In some cases, we may ask you for photographs of scars, for example, along with a doctor's report.