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Manitoba Auto Insurance


​​​​​​​​​​​Manitoba Public Insurance (MPI), a government-owned monopoly insurer, provides mandatory auto insurance. Under the province’s no-fault system, MPI pays for the accident benefit claims of those injured in Manitoba Auto Collisions. ​​

Accident benefits, third-party liability and uninsured auto coverage must be bought from Manitoba Public Insurance. Those injured in Manitoba collisions do not have the right to sue for pain and suffering for financial loss in excess of no-fault benefits. 

Manitoba Public Insurance provides specific guidelines for drivers and vehicles.  


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​​What Insurance Covers​

​Mandatory third-party liability coverage protects an insured Manitoba driver and/or vehicle owner in the event that someone is killed, injured or suffers property damage as a result of the driver’s negligence occurring in a collision outside of Manitoba. 

Manitoba auto insurance operates in a “pure” no-fault environment. If you are injured in a car accident, you are entitled to a standard and pre-established set of benefits provided by MPI. If your needs should change or you require additional financial support, you cannot – under any circumstances – sue the at-fault driver for more. 

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​The government requires all drivers to purchase mandatory $200,000 in third-party liability coverage.