Manitoba Mandatory Coverage

To drive in Manitoba, you must obtain coverage through Manitoba Public Insurance (MPI) that meets the mandatory provincial requirements. In the province, $500,000 in third-party liability coverage is mandatory as is coverage for damage to your own vehicle. 

Below is 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, 2022

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: $8,996 (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 spouse or common-law partners depend on wage and age of deceased, minimum $66,002; benefits for dependent children are age-defined; disabled dependants receive an additional $28,875; non-dependent children or parents receive $14,698.
Impairment benefits:Minimum $824/week to maximum $165,002 for non-catastrophic injury; maximum $260,541 for catastrophic injury (includes indemnity for non-catastrophic injury of $165,992).
Right to sue for pain and suffering?No.
Right to sue for economic loss in excess of no-fault benefits?No.