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:

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.

Who’s covered by PIPP

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:

• Occupying a Manitoba-registered vehicle. These visitors get full PIPP compensation.
• Not occupying a Manitoba-registered vehicle. In this case, visitors receive compensation if someone else was at fault for the accident. For non-residents who are injured in an automobile accident in Manitoba, the amount of compensation depends on the other party's degree of fault.
• Manitoba driver 25 per cent at fault: visitor gets 25 per cent of PIPP compensation.
• Manitoba driver 0 per cent at fault, visitor 100 per cent at fault: visitor gets no PIPP compensation.
• This applies unless we have an agreement with the visitor's home jurisdiction. In that case, the agreement will say how much compensation will be paid.

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 $500,000. 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):

• When the law in your new home province, territory or U.S. state says you must register your vehicle there.
• When your Autopac coverage ends.

Coverage for catastrophic injury

Individuals who are catastrophically injured may qualify for these enhanced benefits.

• income replacement
• personal care
• permanent impairment
• special circumstances (Transitional Expense Coverage)
• coverage for costs due to modifications made to your main or second home, because of health or family circumstances
• coverage for extra costs to continue pre-accident travel
• attendant care to assist with remunerative employment
• vehicle modifications, or if not applicable, up to $53,000 to buy a motor vehicle to modify for your special needs

More coverage for all automobile injuries

Individuals who have been injured may also qualify for the following entitlements, depending on circumstances:

• 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 (indexed annually)

For details, please talk to your case manager.

PIPP Guide

The PIPP Guide is a publication that contains full and detailed information about PIPP including:

• Medical and personal expenses
• Income replacement
• Caregiver expenses
• Personal assistance
• Impairment
• Rehabilitation
• Catastrophic injuries
• Appeals

View the guide here.

Basic PIPP benefits

Here's a list of the basic benefit amounts (effective April 1, 2024) 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.

Bodily Injury claims

Income replacement indemnity

PIPP provides replacement income based on 90 per cent of your net income, subject to a maximum insurable gross yearly income of $115,000 and a seven-day waiting period. See more information on replacing your income and calculating your income replacement.

Fatality claims

These benefits are effective April 1, 2024. Yearly adjustments don’t apply to car travel expenses.

Criminal code convictions

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:

• auto theft
• flight from a peace officer
• theft where the property is a stolen motor vehicle
• taking a motor vehicle without consent

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:

• fault
• number of dependants

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.