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 April 1, 2021

Mandatory minimum third-party liability:
$500,000 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.

Note: For policies with an effective date before April 1, 2021, mandatory minimum third-party liability is $200,000.

Direct Compensation Property Damage Required?Not applicable.
Medical payments:No time or amount limit.
Funeral expense benefits: $8,951 (maximum).
Disability income benefits:90% of net wages based on gross annual income of maximum, up to a maximum $103,500/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 $65,674; benefits for dependent children depend on their age and range from $31,193 to $57,465; disabled dependants receive an additional $28,731; non-dependent children or parents receive $14,625.
Impairment benefits:Minimum $820/week, maximum total of $164,181 for non-catastrophic injury; maximum $259,245 for catastrophic injury (includes indemnity for non-catastrophic injury of $164,181).
Right to sue for pain and suffering?No.
Right to sue for economic loss in excess of no-fault benefits?No.
Administration:Government.


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