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. What Insurance CoversMandatory 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. Looking to Insure Your Car?The government requires all drivers to purchase mandatory $200,000 in third-party liability coverage. Auto Insurance Q & AQuestions to Ask Your Insurance Representative All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesMandatory Auto InsuranceTo drive in Manitoba, you must obtain coverage through MPI that meets the mandatory provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory as is coverage for damage to your own vehicle. Useful LinksHow to Buy Auto InsuranceKnow how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available. Insurance Premium AllocationThe premiums of many policyholders pay the claims of the few who suffer a claim. Insurers put premiums toward a mix of claims costs, investments and operational expenses.Facility Association Facility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it. Manitoba Ministry of TransportationThe Manitoba Infrastructure and Transportation department website features highway conditions, spring road restrictions, highway maps and tender information for the Province of Manitoba.