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:
- Coverage extends to all Manitoba residents injured in automobile accidents anywhere in Canada or the United States
- Compensation focuses on specific economic losses from an auto injury or death, with few limits or restrictions
- Compensation is guaranteed for all injured people, regardless of who was at fault for the accident
- 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.