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Manitoba Mandatory Coverage


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, 2018

​​​​​Compulsory 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 $20,000

Direct Compensation Property Damage Required:

Not applicable

Medical payments:

No time or amount limit

​Funeral expense benefits:​

8,544 (maximum)

Disability income benefits:

90% of net wages based on gross annual income of maximum $96,000/year; nothing is payable for the first seven days of disability

Death benefits:

Death any time after injury; benefits for partners depend on wage and age of deceased; minimum $62,693; benefits for dependent children depend on their age and range from $29,778 to $54,857; disabled dependants receive an additional $27,427 non-dependent children or parents receive $13,961

​Impairment benefits:

Minimum $782/week, maximum total of $156,729 for non-catastrophic injury; a maximum $247,477 for catastrophic injury (includes indemnity for non-catastrophic injury of $156,729)

​Right to sue for pain and suffering?

​No

​Right to sue for economic loss in excess of no-fault benefits?

​No

​Administration:

​Government

Sources: 

All online sources were accessed on March 1, 2018

Effective March 1, 2018