Manitoba Mandatory Coverage To 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. The chart below provides a summary of mandatory coverages required by the Manitoba government. Please refer to the list of sources for more details. This information is for educational purposes only. Consult a qualified insurance professional for further assistance. As of March 1, 2019Compulsory minimum third-party liability:$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000Direct Compensation Property Damage Required:Not applicableMedical payments:No time or amount limitFuneral expense benefits: $8,758 (maximum)Disability income benefits:90% of net wages based on gross annual income of maximum $98,500/year; nothing is payable for the first seven days of disabilityDeath benefits:Death any time after injury; benefits for partners depend on wage and age of deceased; minimum $64,260; benefits for dependent children depend on their age and range from $30,522 to $56,228; disabled dependants receive an additional $28,113; non-dependent children or parents receive $14,310Impairment benefits:Minimum $802/week, maximum total of $160,647 for non-catastrophic injury; maximum $253,664 for catastrophic injury (includes indemnity for non-catastrophic injury of $160,647)Right to sue for pain and suffering?NoRight to sue for economic loss in excess of no-fault benefits?NoAdministration:GovernmentSources: All online sources were accessed on March 1, 2020Guide to AutopacPersonal Injury Protection Plan (PIPP) BenefitsServices and Support Guide for Fatality Claims Car Insurance Q & A Questions 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. Useful LinksFACTS of the Property & Casualty Insurance IndustryThe FACTS of the Property & Casualty Insurance Industry is published by Insurance Bureau of Canada (IBC), the trade association representing Canada’s private property and casualty (P&C) insurance companies. IBC has published FACTS since 1972 to provide a snapshot of the state of the P&C insurance industry. Buying 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. Types of CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country Canadian Loss Experience Automobile Rating (CLEAR)Collision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Facility AssociationFacility 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.