Topic: About Us

A road safety observation study commissioned last fall by Manitoba Public Insurance reports that non-seatbelt use is higher in rural Manitoba with 10 per cent of all drivers observed not wearing their seatbelt, compared to three per cent in the Winnipeg capital region.

The two worst regions for non-seatbelt use were Interlake and Parkland at 16 and 14 per cent respectively. Meanwhile, the study also reported use of an electronic communication device (ECD) was higher in Winnipeg (10 per cent), compared to rural areas (three per cent).

“The purpose of this study was to obtain current rates of risky driving behaviour across Manitoba, with a focus on use of hand-operated electronic devices and seatbelt use,” said Satvir Jatana, MPI’s Chief Customer Officer. “The findings of this study will be used as a benchmark to monitor behaviour change overtime, and shared with the Manitoba Association of Chiefs of Police for the purpose of planning future enforcement and awareness campaigns.”

The Insurance Brokers Association of Manitoba (IBAM) is also an advocate for safe driving and warns that distracted driving can have both financial and human costs.

“Driving without a seatbelt is another example of dangerous driving that can ultimately lead to preventable accidents among our clients,” said Grant Wainikka, IBAM’s Chief Executive Officer. “Both non-seatbelt usage and distracted driving due to cell phones can lead to more severe accidents and in the long-term, higher premiums for Manitoba drivers. Safety needs to be the driver’s number one priority when behind the wheel.”

The road safety study was conducted in September (morning and afternoon hours) with an overall error rate of +/- 0.5 per cent. A total of nearly 29,000 vehicles were observed in 46 towns and cities with a population of at least 1,000. In total, eight economic regions were selected: Winnipeg capital region, Central Plains, Eastman, Interlake, Northern, Parkland, Pembina Valley and Westman.

Study Highlights:

• Overall, seven per cent of all drivers observed were using an ECD in some capacity
• ECD use appeared to be higher in areas with traffic lights
• ECD use is highest among younger drivers
• Overall, seven per cent of all drivers observed were not wearing their seatbelt
• Those driving trucks had slightly higher rates of not wearing a seatbelt compared to passenger cars or vans/SUVs
• Seatbelt non-use was split between males and females
• Drivers in rural areas wore their seatbelt less often across all age groups
• In cases where the driver was not wearing their seatbelt, 54 per cent of passengers were also not wearing their seatbelt

Overall, driver distraction is a leading contributor to fatal crashes in Manitoba, linked to nearly 50 per cent of all fatalities and 37 per cent of all serious injuries in 2020, according to MPI data. Using a hand-held electronic device while driving is illegal in Manitoba, with the offender receiving a $672 fine, three-day driving suspension for first-offenders and moving down five levels on the Driver Safety Rating scale. A subsequent conviction will result in a seven-day driving suspension and moving down the DSR scale five levels.

A person is more than 50 times more likely to be killed and almost four times more likely to be seriously injured when not wearing a seatbelt. Failure to wear a seatbelt will result in a fine of $200 and moving down two levels on the Driver Safety Rating scale.

“High-risk driving behaviours places all motorists at risk on our public roadways,” said Jatana. “This study confirmed too many drivers continue to exhibit high-risk behaviours which can easily be changed.”

About 200,000 COVID-19 rebate cheques are being sent to Canada Post this week, Manitoba Public Insurance announced today. In total, 680,000 cheques will be issued in coming weeks, for a total rebate amount of $312 million. It’s expected all cheques will be mailed by mid-February.

“The pandemic has negatively impacted many Manitobans personal finances, but it has also reduced the collision claims to MPI allowing for a rebate,” Kelvin Goertzen, Minister of Justice and Attorney General & Minister Responsible for Manitoba Public Insurance (MPI) said today. “Returning these funds to its customers benefits Manitobans and is in keeping with the mandate of Manitoba Public Insurance.

“The last two years have been a challenging time in our province. This current rebate is both positive and welcomed. Together, we’ll work our way through this challenging time in our province.”

This is the third MPI COVID-19 rebate in less than two years. In total, MPI will have provided rebates of nearly $500 million to its policy holders ─ $110 million in May 2020 and $69 million in December 2020. This latest will result in about $328 rebated to an average private passenger policy.

“The financial strength of MPI has allowed us to once again provide a COVID-related rebate cheque,” said Eric Herbelin, President & CEO, Manitoba Public Insurance. “Once again the public auto insurance model demonstrates its strength and financial benefits to our customers.”

The rebate is calculated on the Basic Autopac premiums paid between November 22, 2020, and December 9, 2021, and is expected to be about 27 per cent of the customer’s annual Basic Autopac premium. Rebate amounts of $10 or less will be credited to the customer’s account.

Manitoba Public Insurance’s new pandemic policy focusing on protecting customers, employees and our community, is now in effect.  Customers must provide either proof of full vaccination or a negative COVID-19 test result to receive services where physical distancing or barriers are not possible, including all in-car road tests, including Class 1-5, and driver assessments. Full details on proof of vaccination or accepted negative COVID-19 tests can be found here.

The policy also aligns with requirements for all MPI employees – who must share proof of full vaccination or consent to complete regular COVID-19 testing every 48 hours prior to attending an MPI work location.

“MPI, like other businesses in Manitoba, is diligently supporting our customers and employees as we continue to navigate impacts of COVID-19. Despite the operational challenges our corporation is facing, our focus remains to best serve our customers. These are very difficult times and we ask for patience from our customers,” said Satvir Jatana, Chief Customer Officer, MPI.

Transactions by phone

To offer Manitobans additional options for their driver services and insurance needs during the Omicron wave of the COVID-19 pandemic, MPI is reminding its customers that they are able to conduct many transactions by phone with Autopac agents.

The following transactions can be conducted by phone:

• New registration and policy application (including rental vehicle insurance and temporary registration)
• Renewal of a driver’s licence
• Reapplication of a lapsed driver’s licence
• Reassessment of an active or lapsed driver’s licence
• Driver’s licence replacement
• Basic ID card replacement (no information changes)
• Vehicle insurance coverage renewal, reassessment, reactivation, reapplication
• Cancellation
• Mid-term change
• Plate and/or registration certificate replacement
• Transfer of policy
• Payments
• Mailing or permanent address changes within Manitoba

Customers who need to complete any of these transactions are encouraged to call their Autopac agent directly.

Payments

Customers in a reassessment year are typically not required to visit an Autopac agent or Service Centre unless they need to make changes to their policy. As such, Manitobans are able to pay for their services online at mpi.mb.ca and MPI encourages them to do so at this time.

A customer with a Renewal Notice saying they are required to visit in person and/or need to have a photo taken for their driver’s licence), should call an Autopac agent to discuss their options.

Changes to in-person payments for salvage purchases

Effective Tuesday, January 4, 2022, MPI’s Salvage Department will no longer accept in-person payments or transactions for auction sales due to the ongoing public health concerns with COVID-19. Customers will not be permitted to enter the Salvage Auction Hall – Building B at 1981 Plessis Road, as it will remain closed to the public.

Customers are encouraged to complete payment for their purchases through available online options, including INTERAC Online or electronic fund transfers.

As a temporary payment option, customers from Manitoba purchasing items will be able to complete credit card payments (VISA or MasterCard) by phone at 204-985-7844. The credit card must be in the buyer’s name (company or individual). Please note: Significant wait times for this option are anticipated.

More information is available on our dedicated COVID-19 information page under Salvage.

Services cancelled

MPI has recently cancelled some services due to these operational issues, including road tests, at certain locations. Customers with cancelled appointments have been contacted and will have the opportunity to reschedule when services are available.

Also impacted is estimating of non-drivable collision claims. Affected customers are advised not to attend the Physical Damage Centre, but contact their adjuster regarding the status of their vehicle. Due to towing capacity issues, there may also be towing delays for drivable vehicles being towed from a residence to MPI’s compound.

Manitoba Public Insurance customers can expect a rebate cheque in mid-February 2022.

This rebate of $312 million will result in about $328 rebated to an average private passenger policy. It’s estimated about 578,000 cheques will be issued. Customers planning a change of address should notify MPI no later than January 12, 2022, to ensure they receive their rebate cheque. Rebate amounts of $10 or less will be credited to the customer’s account.

This is the third MPI COVID-19 rebate in less than two years. In total, MPI will have provided rebates of nearly $500 million to its policy holders ─ $110 million in May 2020 and $69 million in December 2020.

This latest rebate was made possible due to a combination of fewer claims during the COVID–19 period and continued strong financial results. The rebate is calculated on the Basic Autopac premiums paid between November 22, 2020, and December 9, 2021, and is expected to be about 27 per cent of the customer’s annual Basic Autopac premium.

Auto insurance fraud costs Manitoba Public Insurance ratepayers an estimated $50 yearly. A dedicated Special Investigation Unit (SIU) at MPI is committed to investigating suspicious claims and detecting fraudsters on behalf of honest ratepayers.

“MPI releases its annual top five fraud list to raise awareness about the costs related to auto insurance fraud,” said Satvir Jatana, MPI’s Chief Customer Officer. “The list is compiled based on the unique circumstances of each fraud, financial savings to MPI ratepayers, and the investigative techniques used in confirming fraudulent activity.”

Anyone with information about auto insurance fraud is encouraged to call the Manitoba Public Insurance TIPS Line: 204-985-8477 or toll-free 1-877-985-8477. All calls are anonymous. Last year the SIU closed about 1,000 investigations, resulting in a claims savings of about $14 million.

No. 1 “Phony Kidnapping”

After her badly damaged vehicle was recovered by police, the Winnipeg woman told MPI her vehicle had been stolen out of her garage. She said the thieves messaged her via Facebook, demanding payment for returning the car. The woman admitted she did not call police, but agreed to meet the thieves, who she stated then kidnapped her, speeding around the city for hours and eventually crashing the vehicle.

Due to many gaps in the story, MPI’s SIU launched an investigation. An examination of the vehicle’s ignition and immobilizer system conducted by MPI’s Research and Training Department revealed that the vehicle would not run without a key inserted into the ignition. In her statement the owner confirmed that she had all keys in her possession.

When presented with the findings of the investigation, the vehicle owner admitted she had lied about the kidnapping. Truth was, she was in the vehicle driving around with a group of “friends” drinking and speeding around the city. They eventually crashed into another vehicle and immediately ran from the scene.

The theft claim was denied, saving MPI an estimated $68,000.

No. 2 “The Fast & Furious”

The 20-year-old driver told the MPI adjuster that he had been working a lot of overtime during the week and one night while driving home around midnight fell asleep and drove off the road, crashing into half a dozen parked vehicles. The posted speed limit on the road was 50 KM, with the young driver saying he was travelling 55 KM/H at the time of the crash.

However, the extent of the on-site damage contradicted the man’s story. A download of the vehicle’s Data Crash Recorder indicated the vehicle was travelling at nearly 140 KM/H at time of impact. The brake pedal was not applied and seatbelts were unbuckled. Surveillance footage was also taken from various locations on the travelled road, showing the vehicle was racing with another vehicle seconds before the crash.

There was also an on-site investigation which confirmed there was a long, straight 1.6 km stretch of road where the racing took place. The road then makes a left curve which the one vehicle was unable to negotiate, causing it to leave the road and crash heavily into a number of parked vehicles.

Based on the true facts of this investigation, the collision claim was denied and MPI has begun a recovery of costs from the responsible driver. Cost savings to MPI estimated to be $150,000.

No. 3: “Truckin’ Along”

A professional truck driver, the Winnipeg man was injured in a single-vehicle incident while hauling a load. Based on the extent of his injuries, he was entitled to receive Income Replacement Benefits and Personal Care Assistance payments.

He told his MPI case manager that his injuries prevented him from lifting his arms above his shoulders, unable to lift heavy objects, physically unable to drive more than 15 minutes, could no longer take out the garbage and recycling bins, or work his regular job.

After receiving information that the man was working while still collecting benefits, an investigation was opened, consisting of surveillance which conclusively showed the man was working, able to drive many hours a day and was seen carrying a number of objects, including heavy wooden crates.

Based on the investigation, MPI contacted the man and informed him his benefits were being terminated. He was also charged with Fraud Over $5,000 and Make False Statement. Estimated savings to MPI was more than $700,000.

No. 4 “Centre Stage”

Two individuals opened separate collision claims, with one driver admitting he was responsible for the T-Bone collision at an intersection. The SIU investigator attended to the collision scene and noticed a surveillance camera pointed in the direction of the collision intersection. The surveillance clearly showed both vehicles slowly travelling through the intersection several times prior to the collision.

The surveillance also showed both vehicles were deliberately positioned in a T-Bone configuration, with one car accelerating into the other vehicle which was slowly entering the intersection. When presented with the facts, one owner admitted he and his friend planned this “staged” collision to write-off their vehicles.

Savings to MPI was $15,297.46.

No. 5 “Canine Caper”

The Winnipeg woman opened a collision claim, stating a dog ran onto the roadway, causing her to swerve and collide with a pole and large flower pot located on the yard of a private residence. There was significant damage to both the woman’s 2020 Ford Explorer and items in the yard.

The woman also provided the name of a third-party witness, who told the MPI adjuster that the vehicle did swerve to avoid a dog and the woman was driving. Based on statements received, MPI determined the driver was not at fault, resulting in no financial compensation from MPI to the owners of the property.

When told of this decision, the owners of the property then provided MPI with video footage of the collision which clearly showed there was no dog running across the road, and the driver of the vehicle was a male.

When presented with this new information, the woman admitted to lying to protect her boyfriend who was driving and did not hold a valid driver’s licence. The witness would later admit they had come across the crash after the fact, and did not see a dog.

The collision claim was denied and MPI is seeking to recover costs from the unlicensed driver. Claims savings to MPI was $29,840.08.

With the Omicron COVID-19 variant spreading rapidly throughout the province, MPI has announced that, effective Dec. 23, all oral knowledge test appointments will be cancelled until further notice as a precautionary measure. No new appointments will be made available at this time.

The Corporation is currently in the process of contacting affected customers. Customers whose tests have been cancelled will have the opportunity to rebook their appointments when this service resumes.

With the health and safety of customers and staff at the forefront, MPI will continue to monitor their policies, protocols and available services as the COVID-19 pandemic evolves.

On average, about 1,000 vehicle fire claims are opened with Manitoba Public Insurance yearly. Of that total, about 10 per cent of those fire claims are related to faulty extension or block-heater cords.

A cracked extension cord, or block heater cord with a corroded plug, can result in an electrical failure which can quickly spark a fire. The majority of these fires take place in winter as temperatures drop.

Safety tips for extension cords/block heater plugs:

• Don’t drive over your extension cord. This can cause cracking/breaking during bitterly cold weather.
• Cover your block heater plug-in with its protective cover.
• Unplug your block heater by using the hard, rubber end. Pulling on the electrical cord can cause breakage and potential electrical issues.
• Have your block heater cord inspected each fall by a qualified mechanic.
• With personal safety in mind, people are advised not to plug in their vehicles within a garage or any other enclosed structure.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

Earlier today, the Public Utilities Board (PUB) issued its decision on Manitoba Public Insurance (MPI)’s 2022/23 General Rate Application, which approves a 1.57 per cent rate decrease for policyholders as well as a rebate of approximately $312 million.

This is the third rebate in just over a year, and will be the third year in a row that Manitobans have received a rate decrease from its public auto insurer.

“MPI continues to demonstrate strong financial performance and this is great news for Manitobans,” said Crown Services Minister Jeff Wharton. “Since the start of COVID-19 pandemic, we continue to benefit from having a public insurance model which has resulted in almost $500 million going back into the hands of Manitobans.”

“The assistance provided by these rebates to customers when they need it most is an important way to deliver direct relief to Manitobans during these trying times.”

Manitobans will continue to benefit from an additional discount of up to five per cent on their Basic Autopac premium under MPI’s Capital Management Plan (CMP). The CMP was introduced, prior to the COVID-19 pandemic, to allow customers to benefit from any surplus capital in MPI’s Basic line of business. The capital release percentage (or build percentage as the case may be), is included in the customers’ annual premiums, and determined annually based on the state of MPI’s Rate Stabilization Reserve.

The PUB also approved changes to the Driver Safety Rating (DSR) system. As a result, in 2022/23, the top of the DSR scale will expand from +15 to +16. This is the first step in a multi-year plan to gradually introduce higher DSR levels in the coming years, allowing the safest drivers to receive the greatest benefits.

“We are pleased with the PUB’s ruling as this is a good news for our customers,” said Eric Herbelin, President & CEO, MPI. “Our General Rate Application was put forward with careful considerations of the pandemic impacts and with fiscal prudence at the forefront.

“We remain committed to providing value to Manitobans while ensuring the financial strength of the Corporation.”

The PUB made no finding with respect to the assertion by participating intervenors that MPI’s transfer of excess capital from its Extension business to the Driver and Vehicle Licensing line of business was unlawful. MPI’s position remains that the transfer of capital from Extension to the DVA line of business is separate and distinct from the Basic Autopac line of business. MPI transferred this capital in full compliance with all applicable statutes and regulations and Manitobans can therefore be assured that MPI will remain financially strong across all of its lines of business in its delivery of services.

Customer information for 2022/23

Policyholders can expect to receive a rebate cheque in early February 2022. Further details about the rebate will be made in the coming weeks at mpi.mb.ca.

The approved rates will be effective April 1, 2022, but because renewal dates are staggered, some vehicle owners will not pay their new rates until March 31, 2023. The 1.57 per cent rate decrease means the average passenger vehicle owner will pay about $16 less in premiums per year.

MPI expects that almost 95 per cent of drivers at DSR level +15 will move up to DSR level +16 and receive a four per cent higher vehicle premium discount (37% compared to 33%). Driver licence premiums for DSR levels +15 and +16 will be $15.

While DSR levels +15 and +16 will have the same vehicle premium discounts for the 2022/23 rating year, this will change for future years.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

Manitoba Public Insurance and Lifesaving Society Manitoba are reminding pedestrians, motorists, snowmobilers, ice fishers and quad riders to check the ice thickness before venturing out on the frozen waterways. Every early December, dozens of vehicles break through thin ice, putting lives at risk.

On average, 65 people go through the ice and drown in Canada every year.

Lifesaving Society Manitoba warns that no ice is ever 100 per cent safe, and if going onto the ice be prepared to fall through into cold water.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

Lifesaving Society Manitoba

Lorne Edwards – Media Coordinator

204-956-2124 Ext.5

Vehicles equipped with winter tires are in fewer crashes than vehicles without winter tires, according to an MPI report issued last year. Based on analysis of winter month claims (November to March), winter tire use is estimated to reduce collision claim frequency by 6.3 per cent. The analysis was based on collision claims over the insurance years 2011-12 to 2017-18. Frequency was measured by comparing claim frequency before and after a winter tire purchase for 111,872 vehicles.

Of the 111,872 vehicles, there were 13,925 winter-month claims occurring before winter tires were installed and 9,802 winter-month claims occurring after winter tires were installed, stated the report.

“This MPI study confirmed that the use of winter tires can prevent collisions by reducing braking distances and enhance vehicle handling on snow covered, icy road surfaces,” said Satvir Jatana, MPI’s Chief Customer Officer.

“Loss prevention strategies of this nature ultimately benefit our customers through lower rates achieved by reduced collision counts. Consumers are encouraged to educate themselves about the safety benefits to winter tires as we enter into the winter months ─ a time frame where collisions typically rise due to poor driving conditions and less than ideal road conditions.”

Quick Facts:

• The average loan term is 2.9 years
• Average loan amount is $1,246
• There are 767 participating retailers in the province ─ 368 located in Winnipeg
• Since its introduction seven years ago, 173,487 loans have been processed under the province’s Low-Interest Winter Tire Program which is administrated by Manitoba Public Insurance.
• At temperatures just below freezing on dry pavement, winter tires have been shown to reduce stopping distances by as much as 30 per cent compared with all-season tires.
• Winter tires offer significantly better traction on snow-covered or icy road surfaces at temperatures well below -30 C than all-season tires have at 4 C.

About winter tires

Winter tires have a cold weather rubber compound and tread patterns designed to perform on wet, snow covered and icy surfaces. Numerous road safety studies confirm that winter tires reduce braking distances by lessening sliding on ice and snow.

Winter tires are equipped with a special single-directional tread pattern that actually pushes away snow and ice. They also have a deeper tread depth than their all-season counterparts, for better performance in snowy road conditions.

About the loan program

The program provides loans of up to 48 months at prime plus two per cent up to $2,000 per vehicle. Participation is as easy as going to any one of participating winter tire retailers throughout the province to confirm eligibility and have the loan authorization processed.

Eligible tires display a snowflake symbol, as endorsed by Transport Canada. This symbol indicates that the tires have met specific snow traction performance requirements and are designed to be used in severe snow conditions.

Financing remains available to eligible customers for the purchase of winter tires in addition to associated installation costs including rims, tire pressure monitoring system, addition of studs to tires (some limitations apply), mounting and balancing, wheel alignment and shop supplies.

Customers interested in participating in the program are encouraged to visit Manitoba Public Insurance’s website at mpi.mb.ca for more information on program rules and to select a participating retailer.

─30─

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

In alignment with Manitoba Public Insurance’s duty to provide and maintain a safe and healthy workplace, the Corporation has developed a pandemic policy focusing on protecting employees, customers and our community, which will be effective Jan. 3, 2022.

“As the pandemic continues to evolve, our health and safety protocols must evolve with it, especially as COVID-19 variants pose increasingly significant risks. This policy establishes the requirements and expectations to reduce the risk of transmitting the virus during the ongoing pandemic,” said MPI President and CEO Eric Herbelin.

The policy applies to customers taking a road test or an in-office cognitive assessment, as plexi-glass barriers or physical distancing are not possible in providing these services. When accessing these services, these customers must provide either proof of full vaccination or a negative COVID-19 test result prior to entering an MPI location. While customers accessing other MPI services will not be required to adhere to this policy, they still must follow all health and safety protocols in place, including self-screening and wearing a mask at all times.

The policy also applies to all third-party individuals, including consultants, volunteers, board members and contractors, including students and instructors in the Driver Z program.

This policy will not apply to service providers, business partners and authorized agents, such as brokers, direct repair shops, and rehabilitation partners, in their own business locations. Individuals from these groups will be treated as visiting public upon entering an MPI location.

“MPI is committed to taking reasonable precautions it considers necessary to ensure the health and safety of our employees, customers, and the general public against the transmission and to reduce the severity of the illnesses associated with COVID-19. As such, this policy will be effective for the duration of the pandemic and will be reviewed regularly,” said Herbelin.

Policy Highlights:

• All in-car road tests, including Class 1-5, and in-office cognitive assessments must share proof of full vaccination; or 2) Provide proof of a negative result after taking a rapid test, at their own expense. Customers with existing appointments scheduled for Jan. 3, 2022 and later will be contacted.
• Contractors/consultants: When entering an MPI location for the purpose of completing work, where there may be interactions with MPI employees, individuals will be required to provide proof of full vaccination or proof of a negative test result 48 hours prior to arriving on-site.
• Driver Z instructors: Individual instructors will be required to provide proof of vaccination, or proof that they have obtained a negative test result in the 48 hours prior to the scheduled time of any planned interactions with either MPI employees or the public.
• All individuals (students and instructors) participating in the Driver Z program have the right to request proof of immunization prior to the appointment. Service will be denied to individuals if proof is not provided.

“We’re working diligently to maintain our business per usual,” said Herbelin. “However, with safety in mind, MPI will deny service or access to premises to individuals who do not provide proof of vaccination or negative test result, unless accommodation is required as recognized by the Manitoba Human Rights Code.”

Anyone on MPI premises, regardless of their vaccination or testing status, is still expected to follow all health and safety protocols, whether enforced by public health or MPI. This includes wearing face masks, maintaining physical distancing during any interactions and following the exposure protocols outlined by the Province of Manitoba.

The policy also aligns with requirements for MPI employees, which were recently announced. Effective January 3, 2022, all MPI employees must consent to share proof of full vaccination or consent to complete regular COVID-19 testing every 48 hours prior to attending an MPI work location.

—30—

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

For the second year in a row, Manitoba Public Insurance has provided 25 highly visible speed display boards in 13 communities thanks to a road safety partnership between the public auto insurer and various municipalities.

Confirmed participating communities are, Brandon, Steinbach, Winkler, Portage la Prairie, Thompson, Morden, The Pas, RM of Springfield, RM of West St. Paul, Altona, Ste. Anne, Rivers and Winnipeg.

The speed display boards are electronic signs that use radar to detect the speed of an approaching vehicle and display the speed on an LED variable message display. The speed display is typically combined with a static (non-electronic) display that includes the text “Your Speed” or similar wording.

“The intent of the speed display board is to encourage compliance with the posted speed limit by making motorists aware of their actual speed,” said Satvir Jatana, MPI’s Chief Customer Officer.

“Exceeding the speed limit or driving too fast for road conditions can prove fatal. Last year in Manitoba, at least 21 per cent (about one in five) fatalities had speed as a contributing factor. The goal is to reduce this statistic.

“These high visibility signs are intended to be used as reinforcements to the maximum posted speed signs to encourage compliance when transitioning to a lower posted speed, such as school zones and communities located along highways.”

On average, 20 people are killed in a speed-related collision every year. Additionally, on average, nearly 900 people are injured in a speed-related collision every year.

Criteria used to determine appropriate locations for the boards consisted of roadways which have a high frequency of collisions; roadways known to have frequent issues with driving abiding by the posted speed limit rural highways which pass through a residential area that require drivers to be aware they need to decrease their speed (i.e.: 100 km/h down to 70 km/h).

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

Manitoba motorists are reminded to drive to road conditions with reports of a winter storm approaching in coming days.

Safety Tips

• Before you head out on the highway, check for road and weather conditions by calling 511.
• Be cautious in travelling on overpasses and bridges. The surfaces on these structures can freeze quickly due to no ground insulation.
• Don’t rush. Give yourself five or 10 extra minutes to get to your destination safely.
• See where you’re going. At this time of year, keeping windshields clear is essential so make sure windshield washer fluid is topped up and windows are clear of snow and ice.
• Allow more time to stop. Traction is reduced when roads are slippery; it takes more time to come to a complete stop. If you don’t have winter tires, it’s not too late to get them.
• Leave more space. Don’t tailgate at any time and remember that following distance should be increased when travelling at higher speeds or in poor visibility.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

There are approximately 9,500 vehicle/deer collisions yearly in Manitoba, with the Eastman Region again topping Manitoba Public Insurance’s Top 5 list for high-collision regions.

Eastman ─ which includes the communities of Steinbach, Lac du Bonnet, Anola, Birds Hill Park area and Falcon Lake ─ experienced an average of 2,170 collisions yearly, based on collision statistics collected from 2016 to 2020.

Of note, Winnipeg is number seven on the list of top vehicle-deer collision regions in the province, which is released annually by Manitoba’s public auto insurer.

On average, almost 500 people are injured in wildlife-related collisions yearly. Over the last 10 years, nine people in Manitoba have been killed in crashes caused by an animal on a road. Overall, Manitobans are involved in more than 14,000 vehicle-wildlife collisions yearly according to Manitoba Public Insurance data.

Top 5 vehicle-deer collision regions are:

1) Eastman – 2,170 yearly collisions

2) Westman – 2,150 yearly collisions

3) Interlake – 1,700 yearly collisions

4) Central Plains – 910 yearly collisions

5) Parkland – 900 yearly collisions

“At this time of year in particular, there’s an increased likelihood of encountering these animals when travelling through these zones. Awareness is one key to preventing a collision,” said Satvir Jatana, MPI’s Chief Customer Officer.

“With over 9,000 vehicle-deer collisions yearly in Manitoba, our goal is to see that reduced through education, awareness, emerging driver-assist technologies, and drivers taking preventative steps.”

In addition to raising awareness of high-collision hotspots by publishing its annual listing, MPI works in partnership with the City of Winnipeg to place high visibility message signs at strategic locations identified as key wildlife-vehicle collisions areas. In total, eight signs will be rotating across 21 identified locations this year.

In rural Manitoba, Riding Mountain National Park has a high-visibility sign, warning drivers of the potential danger of collision with wildlife and encouraging safe speeds, particularly between dusk and dawn.

“These signs warn drivers to remain alert for deer, and watch for them in these high-collision areas,” said Jatana. “It’s important that drivers are aware when they’re entering an area where deer frequent and pay close attention to their surroundings. The boards are up during what is typically the highest collision period.”

Tips to help keep you safe:

• Slow down when you see wildlife crossing signs and drive with extreme caution, scanning the road ahead as well as shoulders and ditches.
• Animals are normally more active at dawn, dusk and at night.
• Be especially alert where brush and tall grass grow near the road.
• Watch for the reflection of headlights in the eyes of a deer, or a dark silhouette.
• Do not swerve if an animal does cross in front of your vehicle ─ brake firmly to reduce the impact between the animal and your vehicle.

─30─

For more information contact:

Manitoba Public Insurance

Media Relations

985-7300/1-888-554-9549 (toll free)

In efforts to reduce an estimated 30,000 intersection collisions yearly in Manitoba, Manitoba Public Insurance is providing funding for a new intersection/speed enforcement program conducted by three police agencies: Winnipeg Police Service, Brandon Police Service and the RCMP.

Enforcement focus will be on intersections and the speed of vehicles as they travel through them, adherence to traffic control devices, and clearing the intersection before the light change. The program recently launched and will continue until late fall.

“Many of these intersection collisions could have been prevented if the drivers adjusted their speed and adhered to the on-site traffic signals,” said Satvir Jatana, MPI’s Chief Customer Officer. “While entering an intersection, the combination of speed and not adhering to a traffic signal, like a traffic light, is potentially fatal.

“The new intersection/speed program is aimed at those drivers who put others at risk. Our goal is to reduce collisions, fatalities and injuries. Helping to create safer roads for all, continues to be our focus.”

Participating police agencies will be conducting enforcement at designated high-collision intersections. Of note, the intersections listed below are high-collision intersections and could be monitored by participating police agencies.

“The Manitoba Association of Chiefs of Police Traffic Committee support the speed and intersection campaign and encourage motorists to pay attention to their speed knowing full well the faster they are going the longer it takes for them to stop,” said Winnipeg Police Service Inspector Doug Roxburgh, Chair of the MACP Traffic Committee.

“Motorists should think about how their driving habits could potentially impact others and we should all decide to drive to the posted speed limits.”

Top 10 Winnipeg Intersections for Total Collisions (2016-2020)
Rank	Street 1	Street 2	Collision Count
1	Kenaston Blvd.	McGillivray Blvd.	1,217
2	Leila Ave.	McPhillips St.	1,179
3	Lagimodiere Blvd.	Regent Ave. W.	978
4	Kenaston Blvd.	Sterling Lyon Pkwy.	919
5	Grant Ave.	Kenaston Blvd.	887
6	Bishop Grandin Blvd.	Pembina Hwy.	875
7	Bishop Grandin Blvd.	St Mary’s Rd.	799
8	Bishop Grandin Blvd.	St Anne’s Rd.	717
9	Bison Dr.	Pembina Hwy.	717
10	Bishop Grandin Blvd.	Dakota St.	663

Top 10 Brandon Intersections for Total Collisions (2016-2020)
Rank	Street 1	Street 2	Collision Count
1	18th St.	Victoria Ave.	241
2	18th St.	Richmond Ave.	239
3	18th St.	Park Ave.	140
4	34th St.	Victoria Ave.	105
5	18th St.	Princess Ave.	101
6	26th St.	Victoria Ave.	101
7	1st St.	Victoria Ave.	99
8	10th St.	Victoria Ave.	94
9	18th St. N.	Kirkcaldy Dr.	87
10	9th St.	Victoria Ave.	73

Note: Collision data at rural intersections is not captured by Manitoba Public Insurance.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

On this day a half century ago, Manitoba Public Insurance swung open its doors for business. The Corporation’s first claim was opened by the owner of a Volkswagen Beetle, whose tires were stolen off the vehicle.

From this auspicious beginning, Manitoba’s public auto insurer has been best serving the insurance needs of its customers ever since. Last year, 228,956 Autopac claims were reported – an average of 920 per working day. In total, 1,195,156 Autopac policies were in force last year.

“For the past five decades, we have been committed to serving Manitobans and delivering on our mission of exceptional coverage and service, affordable rates and safer roads through public auto insurance,” said Eric Herbelin, President & CEO of MPI.

“Public insurance in Manitoba fundamentally means inclusive coverage. We are committed to continuously evolving our products and services to meet customer expectations and improve your experience. While this is a significant milestone – it’s only the beginning. Our work in the coming years is set to transform the way our customers are able to interact with us.”

The concept of MPI began on October 29, 1969 when then Premier Ed Schreyer struck a committee to investigate the state of automobile insurance in Manitoba. Auto insurance was not compulsory in the province, resulting in many uninsured vehicles on the roads ─ combined with ever-increasing auto insurance premiums by the private insurers.

The three-person committee was chaired by the Hon. Howard Pawley, who was the minister responsible for auto insurance. After both public and business leader consultations, it was determined there was a widespread dissatisfaction with the auto insurance industry in Manitoba. Thus, began the creation of Manitoba’s public auto insurance program.

Today, MPI has a presence across the province with service and claim centres as far north as Thompson, south to Winkler, east to Beausejour and west to Brandon. Over its half century of operations, MPI has developed a positive and engaging environment for its employees, resulting in the corporation being repeatedly recognized as a Top Employer in Manitoba.

One of MPI’s founding principles was to be an active corporate citizen ─ which continues to this day. Whether it’s through partnerships with community organizations throughout Manitoba that help to deliver on the Corporation’s road safety mandate, or through employee volunteerism and strong support of the United Way, MPI and its employees make impactful contributions that help enhance the quality of life in our province.

“MPI takes pride in its community involvement and making a difference,” said Herbelin. “Manitobans may already know that MPI provides funding and resources to important organizations like Operation Red Nose, MADD, and the CAA School Safety Patrol Program, but what they may not always see is our staff lending a helping hand to their friends and neighbours in times of need, or volunteering at a local community centre or food bank. MPI is very much more than an auto insurer – we’re members of our community, proud of our history and looking forward to a strong future.”

Milestones of note

• Implemented the Dial-A-Claim concept in 1979.
• In 1988, the Merit Discount Program was introduced to reward good drivers.
• Introduction of the Personal Injury Protection Plan (PIPP) in 1994,
• In 2004, MPI took over Driver and Vehicle Licensing responsibilities from the Province of Manitoba.
• By the mid-2000s, MPI claim centres transitioned to service centres, expanded its customer services to include sale of Autopac and provide driver licensing transactions.
• In 2009, the Corporation launched the one-piece driver’s licence.
• In 2020, MPI introduced enhanced coverage levels to all customers, increasing Basic third-party liability to $500,000 from $200,000; modernized the Basic deductible to $750 for all policies.
• Since 2001, MPI has returned nearly $800 million in rebates to customers.

In addition to insurance and licensing deliverables, MPI is also focused on the emergence of new road safety issues. In the 1970s, one of MPI’s biggest road safety endeavors included getting Manitobans on board with the newly mandated seat belt law. Over the last decade, evolving with societal developments, MPI has launched campaigns to combat texting and driving and cannabis impairment.

“If one thing is certain, MPI will always be there to advocate for saving lives and safer roads,” said Herbelin. “We’re proud of our history, but we look to the future with positivity and promise to continue to best serve Manitobans.”

For more information contact:

Manitoba Public Insurance

Media Relations

204- 985-7300 or 1-888-554-9549 (toll free)

Oct.29, 2021

Halloween a time for costumes and fun: motorists need to be alert

In efforts to raise road safety awareness among young children and their parents/guardians on Halloween, Manitoba Public Insurance has distributed more than 71,761 reflective safety flashers along with in-class activity sheets to over 350 Manitoba schools for students in Kindergarten to Grade 6.

“At MPI, we believe it’s crucial to begin road safety education at a young age to help all Manitobans understand we all have a role to play in ensuring everyone feels safe and confident on our shared roadways, no matter what age they are,” said Satvir Jatana, MPI’s Chief Customer Officer.

“This material is designed to help reinforce safe behaviours on this exciting night – and all year long, Along with the safety packages is a letter which provides several important safety messages for parents and legal guardians as to how keep their ghosts and goblins safe while collecting their treats.”

On a positive note, over the last decade pedestrian/vehicle incidents on Halloween have been minimal.

“Years of enhanced public awareness about the increased risk to young pedestrians on Halloween, combined with safety tips to children and their parents, has resulted in a safety record that all Manitobans can be proud of,” said Jatana.

“Halloween is typically a very busy day on our streets with excited children. The fact that no road deaths have resulted over the last decade is proof that by taking personal responsibility for road safety, every road user has the power to prevent motor vehicle fatalities. Looking to this weekend, we encourage motorists, in particular, to continue to take extra care behind the wheel, and help protect those excited trick-or-treaters.”

Safety tips for a happy Halloween

For trick-or-treaters:

Don’t run out onto roadways.

Always look both ways and cross at corners or intersections.

Wear reflective clothing to make yourself more visible to motorists.

Walk facing traffic when there is no sidewalk.

For motorists:

Don’t speed ─ motorists should slow down when they see children walking.

Don’t assume children see your vehicle. They are excited and could run out in front of you.

Watch for children who may dart between parked vehicles. Be prepared to stop.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

Manitoba teen drivers’ behaviours are at the forefront of road safety today with the launch of National Teen Driver Safety Week (October 18-24).

Over the last decade (2011-2020), teen drivers have been involved in 10 per cent of fatal collisions and seven per cent of injury collisions, said Satvir Jatana, MPI’s Chief Customer Officer.

“Many teen drivers fully observe the rules of the road. However, it’s important to reinforce the importance of safe driving and the impact of high-risk driving behaviours for the safety of all motorists on our roadways,” she said.

National Teen Driver Safety Week ─ organized by Parachute Canada ─ is a good time for all teen drivers in the province to evaluate their own driving behaviours and encourage their peers to adopt similar practices to help reduce teen driver involvement in collisions.

Other collision involvement rate statistics involving Manitoba teen drivers include:

• They are 3.4 times more likely to follow too closely than drivers aged 45 and older.
• They are 4.3 times more likely to speed than drivers aged 45 and older.
• They are 5.2 times more likely to lose control/drive off-road than drivers aged 45 and older.
• They are 6.8 times more likely to experience extreme fatigue or fall asleep behind the wheel than drivers aged 45 and older.
• They are 4.2 times more likely to drive impaired than drivers aged 45 and older.

MPI’s Driver Z focused on safety

MPI’s Driver Education Driver Z program is now in its third year and sees approximately 11,500 participants each year. The high school program consists of interactive e-lessons, and includes videos and quizzes to test theoretical knowledge as students’ progress through their learning. MPI’s Driver Z application also includes a resource library that features the full series of procedural videos, practice routes, a practice driving log, among other features that enable a better experience for students and their team of driving coaches who are so important in their learning throughout the program.

During COVID-19, MPI’s Driver Z program has worked closely with health and safety experts to determine appropriate practices, in accordance with public health guidelines, for keeping students and instructors safe at this time. In-person classroom sessions are currently being offered virtually and in-car sessions are conducted in accordance with public health guidelines.

About Parachute Canada

Parachute Canada is a non-profit organization dedicated to injury prevention. The organization’s goal for Canadians is to have a long life, lived to the fullest. More information can be found on their website: parachutecanada.org.

─30─

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300

As the hearing of its General Rate Application (GRA) before the Public Utilities Board (PUB) opens today, Manitoba Public Insurance (MPI) will be presenting updates to its provisional filing made earlier this year based on continued strong financial performance. This will include requesting a rate decrease for a third year in a row and updating its separate application for a third customer rebate in a little more than a year.

MPI originally filed its preliminary 2022/23 GRA with the PUB in June and has since updated its application, which now requests a 1.2 per cent rate decrease. MPI routinely adjusts its overall rate indication after the initial filing as it refines its forecast closer to the start of the hearing.

Also in this application, MPI removed the Capital Release provision, which previously had translated into a five per cent discount as part of the overall rate. To replace the removal of this discount and return surplus capital to Manitobans sooner, MPI separately applied to the PUB to return excess capital to ratepayers by way of a rebate. MPI has also updated its rebate application, formalizing its rebate request to $335 million from the original forecasted amount of $202 million. If approved, this will be the second largest rebate in corporate history. In 2011, MPI rebated ratepayers $336 million.

“MPI continues to demonstrate strong financial performance, which has resulted in its applying for a third consecutive rate decrease, and in time, applying for a third consecutive customer rebate,” Crown Services Minister Jeff Wharton announced today.

“The COVID-19 pandemic has been challenging for all Manitobans. I am pleased that Manitoba Public Insurance will once again be in a position to provide its policyholders with much needed financial relief early in the New Year.”

Rebate cheques will be mailed out in the winter of 2022. The average cheque amount and how many cheques will be mailed will be announced in coming months. To date, customers have received a total of $179 million in COVID-19 driven rebates.

MPI is ultimately responsible for delivering the services and overall financial health of its various lines of business, including Basic, Extension and its administration of The Drivers and Vehicles Act (DVA), which involves the licencing of drivers and vehicles. The 2022/23 GRA addresses the transfer of capital from the Extension to the DVA line of business to ensure MPI can cover its administration costs. MPI transferred this capital in full compliance with all applicable statutes and regulations.

The transfer of capital from Extension to the DVA line of business is separate and distinct from the Basic Autopac line of business.

“We acknowledge that surplus funds from our Basic Autopac program should be returned to our customers and we have done just that. We are pleased to provide another rate decrease, in addition to making a request of the PUB, to return surplus to our customers in the form of a rebate,” said Eric Herbelin, President & CEO of MPI.

“Our financial and business operations are fully transparent and presented to the PUB. Surplus from our Basic Autopac program is a direct result of fewer collision claims combined with having the public auto insurance model which allows for the return of excess capital back to our customers,” said Herbelin. “This rate application truly demonstrates the effectiveness of the public insurance model and our commitment to delivering value to Manitobans.”

Combining the requested 1.2 per cent decrease with the surplus rebate, customers can expect an average decrease in their 2022/23 insurance year Autopac premiums of approximately 26.1 percent.

The proposed rates would be effective April 1, 2022, but because renewal dates are staggered, some vehicle owners will not pay their new rates until March 31, 2023. The PUB hearing is scheduled for three weeks and MPI expects the Board to announce its ruling in December.

For more information contact:

Manitoba Public Insurance

Media Relations Unit

204-985-7300