Insurance

Overview

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) was introduced on Mar. 1, 1994, and is based on these four principles:

  1. Coverage extends to all Manitoba residents injured in automobile accidents anywhere in Canada or the United States
  2. Compensation focuses on specific economic losses from an auto injury or death, with few limits or restrictions
  3. Compensation is guaranteed for all injured people, regardless of who was at fault for the accident
  4. Most benefits are indexed to the Consumer Price Index to reflect changing economic conditions.

More coverage for catastrophic injury

On Oct. 8, 2009, a change in the law enhanced PIPP benefits for those who are catastrophically injured.

Enhanced benefits are under these four categories:

  • income replacement
  • personal care
  • permanent impairment
  • special circumstances (Transitional Expense Coverage)

As of Aug. 19, 2011: even more coverage for catastrophic injuries

You may qualify for these benefits, depending on your situation:

  • changes to your main or second home, because of health or family circumstances
  • extra costs to continue pre-accident travel
  • extra care you may need at your job
  • up to $50,000 to buy a motor vehicle to modify for your special needs (we cover the modifications separately)

As of Aug. 19, 2011: more coverage for all automobile injuries

  • help for you to take part in leisure and recreation
  • help to acquire a motor vehicle to be adapted to your needs
  • help to adapt more than one motor vehicle to your needs
  • increased meal allowances (now indexed yearly to the cost of living)

For details, please talk to your case manager.