Topic: Claims

If you’ve been in a collision, your first course of action is to ensure your safety and the safety of any others who may have been involved. When it’s safe, move your vehicle over to the right side of the road, so that other traffic can pass.

We have designated MPI towing providers in Winnipeg (Champion Towing) and Brandon (Full Tilt Towing). Go to the ‘Towing your damaged vehicle’ section below for more information.

The next step is to exchange information with the other party (or parties). Use the accident report form as a guide for all the information you’ll need for your report. Then, report the collision to us as promptly as you can.

Even if you have no damage from the collision, you should still report to us. To understand fully how the collision happened and to assess it properly, we need reports from all the drivers involved.

Reporting

To report your collision, call us:

  • in Winnipeg: 204-985–7000
  • outside Winnipeg (and outside Manitoba): toll-free 1-800-665-2410

When reporting the collision, you’ll need this information:

  • your vehicle registration and the driver’s licence of whoever was driving your vehicle
  • the details about the accident (where, when and how it happened)
  • the details about any other vehicles and drivers involved
  • information about any witnesses

If you’re claiming damage, our representative will take a preliminary report from you. Your options for a damage estimate will be discussed with you.

If your vehicle has been damaged from something other than a collision, please see information about reporting a comprehensive claim.

You may be asked to complete a Driver’s Report to provide details of the collision and damages. Please refer to this sample document for assistance.

The role of your adjuster

After you have reported your vehicle claim, an adjuster will be assigned to your file. The adjuster investigates the claim, makes sure you had proper Autopac coverage, and determines who was at fault for the collision. Your adjuster can also help you understand how the claims process works and can explain the repair and appeal options available to you.

Out-of-province claims

If you are in a collision while travelling outside Manitoba, there are some special steps you need to take since the other vehicle involved in the collision is probably registered and insured in another jurisdiction. Here’s what to do:

1. Stay at the scene.

2. Don’t discuss responsibility.

3. Obtain the:

  • names and addresses of drivers and vehicle owners
  • make/model/year of all vehicles involved
  • license plate numbers, along with province or state
  • other parties’ insurance information, including the insurer and policy number
  • names of any witnesses, their addresses, phone numbers, etc.
  • collision details (date, time, weather, positions of vehicles before and after the collision)

4. Take photos of the place where the accident or damage occurred, along with pictures of any damage or skid marks.

5. Prior to any repairs (whether temporary or complete repairs) on your vehicle, you require pre-authorization from MPI. You can find contact information here.

6. Keep all your bills and receipts for medical, repair or medical services needed because of the accident. You must provide them to your Autopac adjuster to support your damage claim.

7. If your vehicle is not drivable, and you need to arrange a tow, you have two options:

  • Contact ELC Solutions Inc. at 1-888-460-8697. They will make arrangements to tow your vehicle and communicate all towing details to MPI directly.
  • Contact a local towing company to make arrangements. Be sure to ask where they will be taking your car as MPI will request this information from you.

8. Review your policy to see if you are eligible to be reimbursed for the cost of a vehicle rental. See information on Loss of Use coverage, and note that coverage limits are in Canadian dollars.

9. Call local police and ask for a copy of their report.

Hit and Run Claims

When your vehicle has been involved in a hit-and-run collision, you must report the incident to Manitoba Public Insurance as well as the local police where the collision occurred. The procedure will vary depending on location.

Hit-and-run claims in Winnipeg

There are two ways to report a hit-and-run claim in Winnipeg.

If you are reporting a hit-and-run for the following situations, please submit your report to the Winnipeg Police Service using their online reporting form:

  • Unoccupied vehicle
  • You do not know who is responsible
  • You have a suspect licence plate number

If your vehicle was occupied at the time of the collision or you know who is responsible, please call the Winnipeg Police Service at 204-986-6222.

Next, call 204-985-7000 to book an appointment at one of the following MPI locations:

  • Bison Drive Service Centre: 15 Barnes Street
  • Gateway Road Service Centre: 40 Lexington Park
  • Main Street Service Centre
  • St. Mary’s Road Service Centre (French estimates only)

Hit-and-run claims outside Winnipeg

Prior to making an Autopac claim, hit-and-run collisions occurring outside Winnipeg must be reported to local police in the jurisdiction where the collision occurred. If you want us to handle your claim in Winnipeg, call us at 204-985-7000. If you would like your claim handled at one of our offices outside of Winnipeg, call our toll-free number at 1-800-665-2410.

Notifying the police after a collision

When you call us to file your claim, we will help you determine if you must also report your collision to the police.

There’s no need to report a straightforward fender-bender to the police. But if your collision involves any of these things, you must report it the police:

  • fatality
  • hospitalization because of injury
  • an unlicensed driver or unregistered vehicle
  • an unidentified vehicle (e.g., hit and run)
  • you failed to get the other driver’s particulars
  • you suspect the other driver was under the influence of alcohol or drugs

You must report these types of collisions to the police within seven days. All reports can be made in-person, and reports about incidents occurring in Winnipeg can be made online. Hit-and-run reports must be made in person.

Vehicle damage resulting from suspected vandalism, attempted theft and theft must also be reported to the police. You must report vandalism, theft or attempted theft as soon as reasonably possible.

The police and Manitoba Public Insurance have entirely different responsibilities. The police are primarily interested in whether both drivers obeyed criminal and traffic laws. We need the information to assess who was at fault and to confirm both drivers met the conditions of their insurance policy.

Towing your damaged vehicle

If your vehicle can’t be driven from the scene of a collision because of damage, you’ll need to have it towed. If the collision occurred in Winnipeg, we will assist you by arranging a tow with Champion Towing directly to our compound. Simply call 204-985-7000 and provide us with the details of the collision.

If we happen to be closed, we have a contract towing service you can use in Winnipeg and Brandon.

You can call Champion Towing in Winnipeg at 204-985-7777.

For towing in Brandon, call Full Tilt Towing at 204-729-9510.

For towing outside Winnipeg and Brandon, but within Manitoba, call 1-800-665-2410. If we’re closed and your vehicle isn’t drivable, you can arrange your own towing. To locate a towing facility, please use the Towing and Storage Search Tool located here. Your vehicle should be towed to the closest storage facility.

It is important to choose a vendor that is listed on MPI’s Towing and Storage Tool to ensure that your services will be fully paid by your Autopac coverage. If you choose a towing or storage provider that is not listed on the tool, you will be responsible for paying the vendor directly for their services. Please talk to your adjuster about possible reimbursement of any towing and storage fees.  

Outside Manitoba, contact ELC Solutions Inc. at 1-888-460-8697. They will make arrangements to tow your vehicle and communicate all towing details to MPI directly.

Please note: Towing and storage providers that are not listed on MPI’s Towing and Storage Tool may charge more than what MPI will reimburse through your coverage. To avoid any additional charges not covered by your insurance, it is recommended that you discuss all fees prior to agreeing to any services.

Don’t repair damage before we’ve seen it! Except for temporary or emergency repairs to keep your vehicle mobile or to prevent further damage, you shouldn’t repair your vehicle before we’ve inspected the damage.

Replacement transportation

Basic Autopac covers replacement transportation in two situations:

1. When your vehicle is stolen. Your Basic Autopac insurance covers replacement transportation after a 72-hour waiting period.

2. When another Autopac-insured driver was at fault for damaging your vehicle in a collision.

For greater protection, you can purchase additional Loss of Use insurance.

Commercial Claims

Our Commercial Claims department handles losses involving heavy vehicles and specialized equipment.

Examples of the types of vehicles adjusted at Commercial Claims include:

  • highway tractor over 9,000 kgs/ semi-trailers
  • buses
  • vehicles with primary insurance coverage under Special Risk Extension
  • trucks with specialized equipment (cement mixers, garbage packers, cherry pickers, etc.)

All heavy and specialized vehicles are handled through the Commercial Claims, so the adjusters are familiar with the various types of equipment and the policies they require.

Call us to report a claim

  • In Winnipeg: 204-985-7000
  • Outside Winnipeg and out-of-province (toll-free): 1-800-665-2410

Telephone line is open

  • Monday to Friday: 7:30 a.m. – 7:00 p.m.
  • Saturday: 8:30 a.m. – 4:30 p.m.
  • Sunday: Closed

For a commercial emergency situation outside of regular hours, call the above number and select “2” to reach our after-hours commercial response team.

If you need to report damages to vehicle glass (including glass-only vandalism), click here for instructions on how to start your claim.

If your vehicle has been damaged as a result of a non-collision (including hail damage) and involves more than glass damage, use our online claim reporting form or call us to open your claim:

  • in Winnipeg: 204-985–7000
  • outside Winnipeg (and outside Manitoba): toll-free1-800-665-2410

When reporting your claim to MPI, you’ll need this information:

  • your vehicle registration
  • the details about anyone who may have been involved (not applicable for hail claims)
  • information about any witnesses (not applicable for hail claims)
  • information about any witnesses

If the damages sustained to your vehicle involved any of the following things, you must also report it to the police:

  • Theft or Attempted Theft
  • Partial Theft
  • Vandalism

It is ideal to call the police prior to opening your claim so that you can provide your police report number to our representative. If this is not possible, you may call back at a later time to add the report number to your claim.

Our representative will discuss your options for a damage estimate. If your vehicle is not drivable as a result of the damage, see our information on towing.

The first step to repairing your vehicle is to open a claim by reporting the incident to our Contact Centre.

Getting an estimate

The next step is to receive an estimate of damage to your vehicle. All claims can be estimated at one of our Service or Claim Centres, and certain qualifying claims can receive an estimate at a participating repair shop or through our Photo Based Estimating process. Your estimate options will be discussed with you when you report your claim.

The role of your estimator

An estimator will complete a visual inspection of your vehicle for damage in person at the Service or Claim Centre or based on the submitted photos, and will prepare a preliminary report to determine what repairs are needed. They will also review and approve any additional damages noted by repair facilities once the shop has thoroughly inspected your vehicle. In some cases, the estimator may also determine that your vehicle is a write-off.

Repairs

Once your estimate is complete, you can then make an appointment at the accredited repair shop of your choice to have the damage repaired. If you qualified for and participated in Direct Repair, you can enjoy the convenience of having your damage estimate and repair conducted at the same repair shop. If your vehicle requires specialized repairs or contains complex materials such as aluminum, boron steel or carbon fibre, repairs may need to be completed by an Original Equipment Manufacturer (OEM) certified or qualified facility.

Use our repair shop locator tool to locate a qualified shop near you to repair your specific vehicle. If your claim qualifies for Direct Repair, you can input your claim number and search for a participating Direct Repair shop that is qualified to estimate your vehicle.

We recommend against repairing your vehicle yourself or having it repaired at a facility that is not MPI-accredited to do the work. This is because vehicle repairs are complex and may require specialized tooling, training and equipment to repair the damaged vehicle to manufacturer standards. If you choose to do the repairs yourself, we’ll need to inspect your vehicle to make sure the repairs were done properly. There are specific requirements that must be met for the vehicle to pass inspection – contact us about your repairs before you begin any work.

Once your vehicle has been repaired, you can perform post-repair checks to be confident your vehicle has been returned to pre-collision condition. If you have concerns about your repair, your first step is to discuss them with your repair shop. If you remain unsatisfied, contact your assigned estimator.

Post-repair checks

  • Examine the appearance of the repaired area.
  • Check freshly painted areas for colour match.
  • Check that mechanical parts (e.g., doors and trunk lid) open and close smoothly.
  • Check electronic accessories for proper operation.
  • On the drive home, check for unusual noises and test the handling of the vehicle.

Depreciation

Automobile insurers try to match up what they give you to the value of what you actually lost. For instance, equal value for a half worn-out tire is a tire with similar wear, not a brand new one.

But it may not be practical, or even safe, to give you a half worn-out tire. Instead, we’ll give you a new one but you pay an appropriate percentage of the cost based on the amount of wear. The amount you pay for wear and tear is called depreciation.

Depreciation is how insurance companies measure how much value something has lost through wear and tear. The amount that a part has depreciated depends on the age, condition, and type of the part.

If you have questions about depreciation and how it could apply to your vehicle, check with the estimator responsible for your claim.

The Personal Injury Protection Plan (PIPP) covers the expense of hiring someone to care for you when injuries sustained in an accident prevent you from caring for yourself. The level of coverage depends on the extent of your disability.

PIPP reimburses you, up to a monthly limit, for personal assistance expenses when:

  • You can’t care for yourself. This includes things like bathing and eating.
  • You can’t do all the essential tasks of daily life by yourself. This includes preparing meals, housekeeping and shopping.

This coverage is only available for personal needs and daily living tasks that you were doing yourself before the accident. To qualify for Personal Care Assistance, your need for assistance must reach a minimum level. Your case manager will arrange to have your needs assessed.

Coverage, up to a maximum amount, depends on how much assistance you need. You can hire whomever you want to help you. We will reimburse you once we have approved the expenses and you have provided a legible copy of a receipt with details about the service and the person who performed it. PIPP reimburses you based on your actual expenses for the care provided.

Usually, your ability to care for yourself and your daily needs will improve as you recover. We re-evaluate personal assistance needs at regular intervals.

Your need for assistance

Coverage depends on how many of your regular activities you’re now prevented from doing. These activities include:

  • getting into and out of bed
  • dressing and undressing
  • eating
  • washing
  • using the toilet
  • using facilities in your home and neighbourhood, such as the telephone, television and local library
  • preparing breakfast, lunch and dinner and washing up afterwards
  • light housekeeping such as vacuuming and dusting
  • housekeeping such as washing floors and cleaning the fridge and stove
  • doing laundry
  • shopping for food, household supplies and other necessities

If someone else was doing a task for you before the accident, you’re not eligible for funding assistance for the task after the accident.

Payment of expenses

To calculate your maximum entitlement to Personal Care Assistance, we assess your personal care needs. The greater your needs are, the greater your entitlement is, up to the monthly maximum.

Your case manager will meet with you to talk about your need for Personal Care Assistance and the coverage available to you. We’ll also send you a letter stating the maximum amount we’ll reimburse you for personal care expenses each month. The full amount is only available to someone who is seriously disabled and was completely self-sufficient before the accident.

In the case of someone seriously injured, we can pay the person or company directly if requested to do so.

You choose who assists you

You can choose who helps you with personal care and daily living needs. You can pay family members, friends and neighbours to help you, or you can hire a professional.

We review all claims to make sure the expense is reasonable, the time required to perform the service is realistic and the amount paid for the service is within the normal range for similar services.

Keep in mind that you are the employer of the person or company who assists you. MPI is not responsible for their work in any way.

We’re committed to returning your vehicle to its pre-collision condition. This means we want to give you near equal value for what you’ve lost. Recycled, aftermarket and remanufactured parts provide this value and may be used once your vehicle has accumulated 20,000 km or more.

For instance, let’s say you have a six-year-old vehicle needing a replacement fender. Your auto body shop should try to find a good quality recycled or aftermarket replacement part. Whichever part type the shop sources, it must meet MPI’s Parts Business Rule requirements for quality. For example, a recycled fender must be from a vehicle the same age or newer than yours. Using a brand new fender in this case does not provide equal value to the six-year-old fender you had before the damage occurred.

Besides giving you equal replacement, there’s also a cost consideration to using recycled, aftermarket or remanufactured parts. Alternate parts are less expensive than new factory parts, which means we can repair vehicles more economically. Keeping our claims costs lower helps us keep your Autopac premiums lower. Also, using good-quality recycled parts is more environmentally friendly.

Parts suppliers provide a warranty equal to or greater than the original manufacturer’s warranty on the same new part. Your auto body shop will always check the alternate parts to make sure they are in good condition. However, in the event of a parts issue, you can speak with your auto body shop to initiate the parts warranty process. If you are still concerned about the quality, you do have the option to pay the difference between the cost of the alternate part and the original manufacturer’s part.

In short, you’ll get parts equal to new original parts. This helps us control the cost of repairs and, in turn, the cost of your Autopac insurance.

If your vehicle has rodent damage, or there have been signs of rodents in your vehicle, you can make a claim with Manitoba Public Insurance. During a rodent claim, take the following steps:

  • Contact Manitoba Public Insurance to open a claim.
  • Contact any commercial exterminator or remediation shop to have the occupancy area of your vehicle disinfected.
  • Once the exterminator or remediation shop has completed the initial disinfecting, your vehicle should be inspected at a remediation shop to ensure the ventilation is not contaminated. If you need help finding a qualified remediation shop in your area, our Contact Centre or your Claims Adjuster can help you.
  • The remediation shop will determine if any additional work is required beyond the initial disinfecting.

You will be required to pay the cost of your deductible on any rodent-related claim. However, any costs higher than your deductible limit will be billed directly to Manitoba Public Insurance.

Disinfecting your vehicle

If rodents have been in your vehicle and you are not reporting a claim, it’s important to clean up in a safe manner. Ensure you are taking the proper steps to sanitize the area while ensuring you are properly protected against possible health risks:

  • Wear gloves when disinfecting to ensure you are not directly touching any rodent droppings. If you are disinfecting in a confined area, you should also wear a high-efficiency particulate air (HEPA) filtered respirator.
  • Open the windows or doors of the vehicle so that there is ventilation as you clean.
  • Disinfect the affected area with a commercial disinfectant, and give time for the mixture to soak in (roughly five minutes) before vacuuming or wiping away droppings. You should always test your disinfectant on a small inconspicuous area of your vehicle to ensure your fabrics won’t be damaged by them.
  • Use a paper towel to wipe the area down and remove all droppings.
  • Wash your hands with soap after cleaning any signs of rodents.

Health risks from rodent infestations

In extremely rare cases, a rodent infestation can cause health risks in humans. If a rodent has been near your vehicle’s air filter, dander and other particles might find their way into the ventilation system. According to independent research from the Centre of Disease Control and Prevention, the risk of contracting an illness from a rodent infestation in your vehicle is extremely low. However, you will want to take steps to ensure you are protecting your health and the health of your passengers if there are signs rodents have been present in your vehicle.

Protect against rodent damage

You can take steps to minimize the risk of rodent activity. The following suggestions can help you prevent a rodent infestation and keep your vehicle safe:

  • When parking your vehicle for an extended period of time, avoid tall-grass areas, wooded areas or fields where rodents are more likely to be living.
  • Whether it’s leftover fast food, pet food or a few scraps that fell on the floor, rodents can be attracted to the aroma in your vehicle. Be safe and don’t keep any food inside your vehicle – even the aroma from small crumbs can attract rodents.
  • When parking your car in a garage, take steps to prevent rodent intrusion. Seal up any holes on the outside of the building, lay out traps and ensure any food in the area is stored in a tightly sealed container.
  • When storing RVs and trailers, remove barbecue units as rodents are attracted to the residual odour.

Signs of a rodent infestation

Be aware of signs that could indicate your vehicle has been visited by rodents. These visual cues are often the first clues that you may have rodent damage:

  • shredded or chewed upholstery or insulation
  • chewed wires and hoses
  • droppings
  • nest materials
  • rodent carcasses

If you do have rodents in your vehicle, you should take action immediately to reduce the risk of further infestation.

The Personal Injury Protection Plan (PIPP) reimburses medical expenses incurred as the result of being in a collision. It also reimburses you for certain personal expenses resulting from an accident, including travel costs associated with medical treatment. These expenses are reimbursed after a claim has been filed with us.

We pay medical practitioners, dentists and other health care providers directly in most cases. The amount covered is set in a fee schedule, established in consultation with the professional organization of the health care provider.

PIPP pays for medical treatment that contributes to your recovery and rehabilitation. It doesn’t pay for treatment that has no measurable benefit to you, and it doesn’t pay for treatment unrelated to your injuries. You’re expected to work toward your recovery and to participate fully in the rehabilitation program that your health care team believes will help you.

In principle, PIPP covers medical treatment expenses for as long as they’re necessary. However, costs won’t be covered indefinitely when a treatment shows no signs of helping you. At some point, we may ask you to consult another medical practitioner and try a different type of treatment.

If you use your own car or a family member or friend drives you to your medical appointments or treatment, car travel expenses are reimbursed. Please check with your case manager for the rate.

Depending on your situation, PIPP may also reimburse you for parking, public transportation or taxi and passenger vehicle for hire costs to attend medical treatment. Taxi and passenger vehicle-for-hire costs are only covered if you receive pre-approval from your case manager.

Include legible copies of your original receipts when submitting a claim for medical and personal expenses. Do not include the original receipts as they cannot be returned.

Medical expenses

Manitoba Health provides primary health care coverage when you’re injured in a collision. When you need additional treatment to fully recover, PIPP extends the health care safety net, paying for medically required treatment by a medical practitioner or prescribed by a physician and not paid for by any government health care program.

PIPP covers care by a dentist, optometrist, chiropractor, physiotherapist, registered psychologist, nurse practitioner, physician assistant or athletic therapist.

Some treatments are only covered when performed by certain health care professionals. For example, PIPP covers acupuncture only when it’s done by an accredited:

  • medical doctor
  • physiotherapist
  • athletic therapist
  • chiropractor
  • dentist

Massage therapy is only covered when done by a physician, chiropractor, nurse practitioner, physiotherapist or athletic therapist.

Most physiotherapists, athletic therapists and chiropractors bill Manitoba Public Insurance directly for collision-related treatments. This means there is no direct cost to you. PIPP covers these treatments provided they’re medically necessary because of your injuries from the collision.

We must authorize dental treatment before treatment begins, except for emergency dental work just after the accident.

Your case manager can confirm if a specific treatment is covered. If in doubt, please check with us before starting treatment.

Claiming your expenses

If your claim is in Winnipeg, you will receive forms in the mail or during a meeting with your case manager shortly after reporting your claim.

Complete the forms and return them to us with legible copies of receipts for your expenses.

Once we’ve received the proper documentation from you, we will mail you a reimbursement cheque for your expenses. The cheque will usually arrive within one week.

If your claim is being handled at one of our centres outside of Winnipeg, your case manager will ensure you get the forms you need for any related expenses. Your case manager will also help guide you through the process.

Recovering from whiplash injuries

Although it may take some time, most people fully recover from whiplash.

Together with chiropractors, physiotherapists and athletic therapists, we’ve developed guidelines for treating whiplash. At the start of any treatment, ask your health care provider how these guidelines apply to you.

We cover whiplash treatment from the following providers:

  • medical doctor
  • chiropractor
  • physiotherapist
  • athletic therapist
  • nurse practitioner

Note: You do not need a referral from your doctor to see a chiropractor, physiotherapist or athletic therapist.

Your health care provider will outline the treatment that is best for you. Generally, improvement from a whiplash injury should come quickly. If you think you’re not improving quickly enough, discuss this with your health care provider.

Medicines and medical supplies

PIPP covers the costs of over-the-counter and prescription medicines and medical supplies required because of injuries sustained in a collision, such as bandages, ointments and dressings.

We also cover the costs of purchasing, renting, repairing, replacing, fitting or adjusting devices that are medically required and prescribed because of injuries sustained in an accident. Devices covered include eyeglasses, hearing aids, back supports, special footwear, crutches and artificial limbs.

If the device wears out from normal use, we’ll pay for its repair or replacement. However, repair or replacement due to neglect, misuse or willful damage is not covered.

PIPP also covers the cost of repairing, replacing or adjusting a device that you had before the accident and that was damaged or lost in the accident or that no longer meets your needs because of injuries sustained in the accident. This is a one-time replacement coverage.

Ambulance services

PIPP pays the costs of transporting you by ambulance from the scene of an accident to the hospital.

We also pay for ambulance services because of injuries in the accident when:

  • It’s medically necessary to transfer you from one hospital to another.
  • The physician responsible for your treatment orders the ambulance service so that you can receive necessary treatment.
  • An emergency medical issue arises, requiring urgent transportation either by ground or air ambulance.

Travel expenses

PIPP covers the costs of travel to and from medical appointments, as well as treatments that are necessary because of injuries sustained in an accident.

We reimburse:

  • Travel – at the rate set by the Corporation – when you drive your vehicle, or a friend or family member drives you, to a medical appointment. Please refer to the PIPP Benefits outline for the current reimbursement rate.
  • Parking costs when you use a private vehicle to travel to a medical appointment.
  • Public transportation costs.
  • Taxi or passenger vehicle-for-hire costs if you can’t drive yourself and public transportation isn’t available or appropriate. You must receive pre-approval from your case manager to be eligible for this reimbursement.
  • Travel and accommodation costs for someone to accompany you to medical appointments or treatment if your age or your mental or physical condition prevents you from going alone.

You can choose where you want to receive medical care. However, PIPP limits coverage for travel expenses to a medical appointment or treatment to a maximum of 100 kilometres each way when similar care is available closer to your home.

Our goal is to help you resume your normal pre-accident activities as much as possible. To assist your recovery and offset economic hardship, the Personal Injury Protection Plan (PIPP) provides compensation for treatment costs and a range of economic losses.

Coverage

Rehabilitation coverage includes, where appropriate:

  • home renovations
  • transportation assistance and vehicle modifications
  • services, such as assessments and treatment by specialized health care practitioners
  • equipment such as specialized kitchen aids

The type of rehabilitation assistance you receive depends on many factors, including your medical condition, employment options, retraining possibilities and progress towards recovery.

If you can’t return to your pre-accident job, we’ll help you identify other employment options. Again, the kind of help we’ll provide depends on the circumstances. The options could include job search assistance, on-the-job training or other training.

Your medical/rehabilitation team will recommend appropriate rehabilitation strategies in a Rehabilitation Plan. The team includes you, your doctor and/or other care providers, and your case manager. MPI makes decisions about rehabilitation funding.

Pre-accident condition

As your insurer, our goal is helping you return to the situation you were in before the accident. Sometimes, this goal is easily met within a few weeks. Sometimes, it takes longer. In the most serious cases, it’s not possible for you ever to be exactly as you were before the accident. Rehabilitation coverage provides you with various types of support to assist your recovery and your return to normal activities, to the greatest extent possible.

Rehabilitation coverage is flexible and depends on each claimant’s personal situation and needs. Unlike other parts of PIPP coverage where the entitlement to a benefit or indemnity is precisely set in the legislation, rehabilitation expenses are considered extraordinary expenses that depend on individual circumstances.

We ask the following types of questions when deciding on coverage for a rehabilitation expense:

  • Is this rehabilitation strategy necessary for this person?
  • Is it advisable?
  • Is this rehabilitation strategy likely to help this person lead a more independent and productive life?

We look at the Rehabilitation Plan and the recommendations of the medical/rehabilitation team when making our decision.

Medical/rehabilitation team

The composition of your medical/rehab team depends on the type of injuries you have and the type of treatment you’re receiving. Your medical/rehab team usually includes the health care practitioners who are working most closely with you, such as your doctor, chiropractor, physiotherapist or athletic therapist, rehabilitation counselor and nurse practitioner, as well as your case manager, other MPI employees, members of your family and yourself.

You are the most important person on the medical/rehabilitation team. It’s your commitment to recovery and to your Rehabilitation Plan that will be a deciding factor in whether or not a rehabilitation expense seems necessary and advisable.

The medical/rehabilitation team prepares a Rehabilitation Plan and recommends strategies that it believes will facilitate your independence and employment.

Employment and training support

PIPP coverage helps you get back to work. The financial help available depends on the type of injuries sustained in the accident and your post-accident skills and abilities.

The goal, if possible, is for you to return to the same employer to do the same work you were doing before the accident. If returning to your previous employment isn’t possible and you don’t have the skills for other employment that will help recapture your lost income, we can help retrain you. For example, we might provide vocational counseling or training courses. We can also assist you with resume writing and with your job search.

Home, vehicle and special equipment

When a serious disability requires it, we’ll pay for alterations to your home so that you can better manage your daily needs independently. For example, PIPP might cover the cost of installing special bathroom fixtures or more easily accessible kitchen counters. PIPP may also cover moving costs if your home is no longer suitable for your needs.

In some serious situations when the injuries you sustained are permanent, we’ll pay to adapt one or more of your vehicles so that you can continue to drive despite your injuries. PIPP also covers alterations to vehicles owned by you or your immediate family so that you can travel in the vehicle as a passenger.

In addition to alterations to your home or vehicle, your medical/rehabilitation team may also determine that special equipment would assist you with daily living or workplace tasks. For example, PIPP may pay for a hospital-type bed or an orthopedic insert for your office chair. Depending on the situation, we’ll either rent or purchase the equipment for you.

Leisure and recreational activities

If you have been catastrophically injured in a motor vehicle accident, or have a non-catastrophic permanent impairment (not related to scarring, musculotendinous disruptions, ligaments or cartilage damage) resulting from a motor vehicle accident, you may be eligible for assistance to help you participate in leisure and/or recreational activities.

For example, if you were an athlete prior to your accident, PIPP will pay for a specialized sport wheelchair that will allow you to continue to be active in sports. If you are a theatre fan and now require an assistant to accompany you, PIPP will pay for a ticket for your assistant to attend the event with you.

The amount you will be reimbursed is dependent upon the severity of your injury. Your case manager will be able to discuss this with you in greater detail. Please refer to the PIPP Benefits outline for the current reimbursement rate.

Meal allowances

Meal allowances can be claimed when you are required to travel for the purpose of receiving treatment, participating in rehabilitation or undergoing a medical examination at the request of MPI. The allowance may also be claimed for a companion or assistant when required due to your age or health status.

Please see the PIPP benefits page for the amounts that apply this year.

Your rehabilitation plan

Your medical/rehabilitation team will work with you to develop a rehabilitation plan. The plan will set out the expected length and goals of treatment. It may also include milestones and a schedule of times to re-evaluate the plan.

The rehabilitation plan is personal to you and your situation. It should realistically reflect what you can achieve through treatment, effort and time. It can also identify expenditures that could help you to achieve these goals. Your commitment to the rehabilitation plan and your ongoing efforts to follow it are the keys to your recovery.

Our aim is to treat our customers fairly and consistently and we make every effort to explain the rationale behind our decisions. However, it’s your right to ask for a review of our decision if you disagree with it.

Occasionally, disputes about compensation for personal injury claims arise. If you can’t resolve a dispute with your case manager, the next step is to ask the Internal Review Office to review the decision.

If you are not satisfied with the outcome of the internal review, you can appeal to the independent Automobile Injury Compensation Appeal Commission.

You could also seek assistance from the Claimant Adviser Office in preparing your appeal.

See more information on these options below, or talk to your case manager.

MPI internal review

If you choose to appeal our decision, our Internal Review Office, which is completely independent of the Claims department, conducts your review. You must ask for the review within 60 days of receiving your case manager’s decision.

You can download the Application for Review of Injury Claim Decision form or obtain the form from your case manager. If you have any questions about your application or the internal review process itself, you can speak with a member of the Internal Review Office by calling 204-985-8000 in Winnipeg or toll free outside Winnipeg at 1-800-493-9993, or email [email protected].

On the form, describe the decision you want to have reviewed and the reasons why you believe it’s wrong. You can include documents, such as a doctor’s report, to support your position. If you don’t have the documents to attach to the form, list the documents that you’ll be sending later.

The review officer won’t start the review until your documents have been received.

If you’d like to meet with the review officer to explain your situation, check the box marked “hearing” on the Application for Review form. The Internal Review Office will contact you to set up a meeting. You can bring someone with you to this meeting or ask someone to represent you at it. You can also arrange a time to talk to the review officer on the telephone.

Whether or not you choose to speak to the review officer, he or she will thoroughly examine your file. The review officer can also conduct an investigation to get more information.

The review officer can overrule your case manager’s decision, change it or decide that it’s right. You’ll receive the review officer’s decision by registered mail. If you don’t want to accept this decision, you can appeal it to the Automobile Injury Compensation Appeal Commission (AICAC). You have 90 days from the time you receive the review officer’s decision to write to AICAC and request an appeal.

Automobile Injury Compensation Appeal Commission

The Automobile Injury Compensation Appeal Commission (AICAC) is a special tribunal operating completely independent of Manitoba Public Insurance. Commissioners are appointed by the Manitoba government and administered by the Department of Justice.

It’s the next step in your appeal process, if you’ve pursued and rejected the findings of our internal review officer.

For information and forms to file an appeal with the AICAC, visit their website or call 204-945-4155. It is important to note that the Notice of Appeal form should be sent back to them within 90 days from the time your internal review officer’s decision is received.

You can seek assistance from the Claimant Adviser Office to prepare your appeal.

The AICAC’s decision on your case is final, except in limited circumstances where you may be able to appeal AICAC’s decision to the Manitoba Court of Appeal. You’ll need approval from a judge of the Court of Appeal to pursue this option.

Mediation

Mediation is an option if you have an appeal with the AICAC. An independent mediator, who is contracted through the Automobile Injury Mediation (AIM) office, will work with you and a representative from MPI’s Injury Claims Management Department in an effort to achieve a case resolution, as an alternative to a hearing.

Claimant Adviser Office

The Claimant Adviser Office is an advocacy office completely independent of Manitoba Public Insurance and the Automobile Injury Compensation Appeal Commission (AICAC).

Claimant advisers can help with the appeal to the AICAC. If you elect the option of mediation they can represent you during your mediation and appeal hearing. They will explain how the Manitoba Public Insurance Corporation Act and Regulations apply to your bodily injury claim and how the mediation and appeal process works. The office can also carry out investigations and obtain expert opinions.

These services are provided free of charge. Clients may need to pay for additional medical reports required for mediation or an appeal if the charges exceed limits payable by MPI.

The assistance of the Claimant Adviser Office is available only after an application to AICAC has been submitted and a bodily injury claim decision has been issued in writing by the Internal Review Office of MPI. After you receive a written decision, you have 90 days to file a Notice of Appeal with the AICAC.

To contact the Claimant Adviser Office, phone 204-945-7413 in Winnipeg (toll-free 1-800-282-8069, ext. 7413 outside Winnipeg) or email [email protected].

Other concerns

Fair Practices Office

Manitoba Public Insurance’s Fair Practices Office (204–985–8117) reviews our service delivery and policies for overall fairness. Although this office is part of Manitoba Public Insurance, it’s at an arm’s length from your claim. The Fair Practices Office helps ensure we handle claims ethically, honestly and impartially. You can contact the Fair Practices and Customer Relations team if you have a concern about our operations or about how your claim was handled.

The Provincial Ombudsman

The Manitoba Ombudsman is an independent officer of the Legislative Assembly, who assists people and public sector organizations with their concerns by conducting impartial investigations, making recommendations and providing guidance to ensure people are treated in a consistent, fair and reasonable manner and that their rights to information and privacy are protected. The Ombudsman is not an appeal body and cannot substitute their opinion for that of the Corporation. They do not have the power to overturn decisions. In its investigations, the Ombudsman identifies problems with a particular process, decision or systemic issue and may make recommendations to the Corporation to address the issue. They can be reached at 204-982-9130, 1-800-665-0531 (toll free) or by email to [email protected].

Related Information

​Injury claims formsInjury claims publications

The Personal Injury Protection Plan (PIPP) provides income replacement to people who were working (full or part-time) or could have been working when the accident happened. It covers 90 per cent of your net employment insurance benefits, lost wages or salary based on gross yearly employment income, up to a maximum that’s adjusted annually.

You’re entitled to income replacement, beginning on the eighth day after the accident, when:

  • A motor vehicle accident caused the injury.
  • The injury prevents you from performing all or most of the main daily duties of the job that you had at the time of the accident.

For more details, see our page outlining how we determine income replacement.

How it works

Income replacement payments start after we’ve received income information from your employer or the required business records from you. Once income replacement payments begin, a cheque will be mailed or deposited directly into your bank account every 14 days until you’re no longer eligible for income replacement. Income replacement stops when there’s no medical reason preventing your return to work. Income replacement is based on the income you were earning before the accident. Your past income tax returns and employment slips are the best ways to establish your income at the time of the accident.

For someone who was working at the time of the accident:

There is a seven day wait period for income replacement that commences the day following the accident.

For someone who could have been working at the time of the accident but wasn’t:

People who were employable but not employed at the time of the accident become eligible for income replacement based on a determined employment at 180 days after the accident. However, they are only eligible for income replacement if they still can’t work because of injuries sustained in the accident.

For someone who couldn’t work at the time of the accident:
People who had a physical or mental illness that prevented them from working at the time of the accident are not eligible for income replacement.

Establishing employment

We determine employment for people who were part-time, temporary or non-earners at the time of the accident and who still can’t return to work 180 days after the accident. Determining employment means establishing the type of work you could reasonably have been doing at the time of the accident. This employment then becomes the basis for income replacement and for your job search.

We determine the type of employment you were capable of doing at the time of the accident even if you were actually doing other work. To do this, we look at your:

  • education
  • training
  • work experience
  • physical abilities
  • intellectual abilities

Unless you could only work part-time, we’ll determine a full-time job for you 180 days after the accident. Your income replacement may go up or stay the same, depending on the job we determine for you.

We usually require a medical specialist to assess your physical abilities after we determine your employment. If this specialist finds that you can successfully do the determined employment, your income replacement stops. If this specialist finds that you can’t do the determined employment, you’ll receive income replacement based on the salary range for that type of job.

Residual capacity

Sometimes, an accident causes injuries that prevent you from returning to exactly the same kind of full-time work you had before the accident. However, in many instances, people are still capable of working at a different type of job. The insurance industry refers to this as “residual earning capacity.” This means you can still earn income, although not necessarily in the same kind of job or at the same pay level as before the accident.

We’ll determine your level of employability if, two years after the accident:

  • You’re able to work full or part-time.
  • You’ve recovered as much as you are likely to recover from injuries sustained in the accident.
  • You’ve explored viable employment rehabilitation options and can’t return to either the kind of work you were doing at the time of the accident or the employment we determined for you 180 days after the accident.

We’ll use the following criteria to determine the type of work you’re able to do:

  • education
  • training
  • work experience
  • physical abilities (after the accident and rehabilitation)
  • intellectual abilities (after the accident and rehabilitation)
  • knowledge or skills acquired during a rehabilitation program, if applicable

The residual capacity employment will be full-time employment, unless you can only work part-time because of injuries sustained in the accident. It will also be based on employment normally available where you live.

We identify the type of employment that best matches your skills, training and post-accident abilities and capacity. Before we determine employment, a case manager will meet you to answer your questions. Once we officially inform you, in writing, of the employment determination, you begin the “job-search year.”

Job-search year

During the job-search year, income replacement continues as long as you continue to be eligible for the benefit. We will reduce your income replacement by any income you earn during the job-search year.

When the job-search year is over, there are three possibilities:

  1. You have work that pays the same or more than the income replacement you’ve been receiving.
    Income replacement will end.
  2. You’re working at a job that pays less than the income replacement you’ve been receiving and less than your determined employment.
    We’ll reduce the income replacement you’ve been receiving by whichever of these is highest:

    — how much your job pays
    — how much your determined employment pays

    This scenario may leave you with some income replacement benefits to “top up” your income.

  3. You have not found work.
    Income replacement will be reduced by the income set for your determined employment.

    We can help you find work by providing you with job search counseling and training to improve your interview and resume-writing skills. Please understand that getting work is your responsibility.

Because it may not be possible for you to return to full-time work right away, you can return gradually and still receive income replacement. Talk to your case manager about your plans for returning to work and about the effect on your income replacement.

Occasionally, an injury that seems to have healed will flare up again. Income replacement can resume when a disabling condition caused by the accident comes back. PIPP provides you with a safety net in this situation.

If you return to work and the injury flares up, it’s important to identify the cause. You also need to contact your case manager to explain what has happened. In most cases, income replacement will resume immediately, without a seven-day waiting period, at the same level you were receiving prior to your return to work.

Workers Compensation

Employees covered by Workers Compensation are entitled to Workers Compensation benefits for lost income if they can’t work because of a job-related injury. If a Manitoba resident’s job-related injury happened during a motor-vehicle accident in Manitoba, the employee would also qualify for income replacement indemnity and other benefits under PIPP. Employees, therefore, must choose between collecting benefits under the Workers Compensation Plan or PIPP.

Benefits under Workers Compensation and PIPP are not identical. It’s in your interest to contact both the Workers Compensation Board and Manitoba Public Insurance to get information about the coverage to which you are entitled. You can then make a decision about which plan to receive benefits from.

Minors

Children under the age of 18 at the time of an accident are considered minors and are covered by PIPP. Under PIPP, minors receive:

  • A lump sum indemnity for each school term the minor doesn’t complete because of injuries sustained in an accident.
  • Income replacement for any income the minor would have been earning but can’t earn because of the injuries from the accident.

A lump-sum indemnity is only payable when a minor would have completed the school year if not for the accident. The indemnity becomes payable on July 1 for the loss of part or all of the preceding school year.

Entitlement to a lump sum indemnity stops at the end of the school year in which the minor turned 18. If a minor reaches 18 and is still unable to work and begin or resume their studies because of injuries sustained in the accident, income replacement begins based on the Industrial Average Wage for Manitoba. The Industrial Average Wage is set using Statistics Canada data for the earnings of all employees in Manitoba. See the PIPP Benefits page for more information on this year’s indemnity amounts.

Students

Under PIPP, a student must be at least 18 and enrolled full time in a secondary or post-secondary school. Or, a student may be a minor who has met the requirements for receiving a high-school diploma or provincial certificate of completion, and is enrolled full time in post-secondary school at the time of the accident.

PIPP provides a lump-sum indemnity to students for each term not completed because of injuries sustained in an accident.

Students who lose a full year of secondary school or post-secondary school because of injuries sustained in the accident receive a maximum lump-sum indemnity.

If the student misses one term of school, the lump sum is pro-rated. For example, if there are three terms in the student’s secondary school year and the student loses one term, PIPP will pay the student one-third of the lump sum indemnity.

When the student loses a full school year, the lump-sum indemnity is paid on July 1, following the lost school year. When the student loses a term or semester of the school year, the lump-sum indemnity is paid at the beginning of the next term or semester.

These lump-sum payments continue until the scheduled end date for the student’s current level of studies. For example, the end date would be the completion of high school if the student were in high school. If the student was in college or university, the end date would be the completion of a degree.

If the student is still unable to work or return to studies once the end date is reached, PIPP pays income replacement based on the Industrial Average Wage. This income replacement will continue for as long as the claimant meets the eligibility criteria.

We may also determine employment for students who are able to work.

Seniors

This section applies to people in one of these three categories:

  • A person 65 years-of-age or over who is not employed at the time of a motor-vehicle accident.
  • A person 65 years-of-age or over is employed at the time of a motor-vehicle accident.
  • A person being paid income replacement who subsequently turns 65.

People 65 years of age or over who are not employed at the time of an accident are not eligible for income replacement or the Retirement Income Benefit.

People 65 years of age or over who are employed at the time of an accident are entitled to income replacement if injuries sustained prevent them from working. We calculate the income replacement for an employed person who’s over 65 in the same way as for other claimants.

For claimants 65 years or older, who are employed at the time of the accident, income replacement ends when one of the following occurs:

  • The claimant is no longer disabled.
  • The claimant has received income replacement for five years.

If a person became eligible for income replacement before they turned 60, income replacement ends when they can return to work or turn 65. In this situation, when you turn 65, your entitlement to income replacement ends and you become eligible for the Retirement Income Benefit.

If a person became eligible for income replacement after they turned 60, income replacement continues for five years, assuming they continue to be unable to return to work because of injuries sustained in the accident. At that point, the person will be eligible for the Retirement Income Benefit.

Retirement Income Benefit

The Retirement Income Benefit provides a retirement income, for life, for people who have an ongoing disability because of injuries sustained in an accident and can’t adequately save for their retirement years.

To receive the Retirement Income Benefit, you first need to complete an application. The information you give us on your application will help us confirm if you qualify.

The Retirement Income Benefit is based on 70 per cent of your net income minus any other pension income you might receive, including Canada Pension Plan and Old Age Security payments. If your pension income is more than 70 per cent of the net income used in our calculation, you won’t receive the Retirement Income Benefit.

The Retirement Income Benefit is adjusted on each anniversary after you became entitled to it.

People who receive the Retirement Income Benefit must:

  • Inform us of any changes in their pension income.
  • Provide us with a certified copy of their income tax return every year.

People who are receiving income replacement become eligible to receive the Retirement Income Benefit on either:

  • The day of their 65th birthday.
  • Five years after the day that their entitlement to receive income replacement commenced.

For example, a person who began receiving income replacement at age 63 will continue to be eligible for a period of five years. If their entitlement to income replacement continues until the fifth anniversary, that entitlement will then end and they will become eligible for the Retirement Income Benefit.

A person whose income replacement ends prior to the date they become eligible for the Retirement Income Benefit will not receive the retirement benefit.

“Impairment” means you’ve lost a normal physical or mental function or that you’re scarred or disfigured from the injuries sustained in a motor-vehicle accident. In the event your involvement in a motor-vehicle accident causes a permanent impairment, you will be compensated with a lump-sum payment.

The law describes different types of impairments and assigns a percentage value to them. The most serious and disabling impairments are assigned the highest percentages. We assign your permanent impairment a percentage of up to 100 per cent. That percentage is your portion of the maximum indemnity payable at the time of accident. For example, if your permanent impairment is assessed 50 per cent, we pay you half the maximum indemnity.

The lump-sum impairment payment is made after treatment has been completed, the injury has healed as much as possible and the extent of the permanent impairment can be properly assessed. This may take a year or more, depending on the injury.

The permanent impairment payment depends on the extent of your impairment. The type of work you did before the accident or your need for help with personal care after the accident doesn’t affect the permanent impairment payment. However, these factors could affect other benefits you receive under PIPP, such as income replacement and personal assistance expenses.

Please speak to your case manager if your doctor tells you that you’ll have a permanent impairment from a motor vehicle accident. Your case manager will tell you what documents MPI needs to process your claim. In some cases, we may ask you for photographs of scars, for example, along with a doctor’s report.

Permanent impairments

PIPP provides a one-time payment when the motor-vehicle accident caused impairment that will last throughout your lifetime. Here are a few examples of permanent impairments:

  • permanent scarring from burns
  • loss of hearing
  • disfiguring facial injuries
  • amputation of a finger
  • removal of a kidney
  • permanent paralysis
  • brain damage causing permanent short-term memory loss

Whiplash

Soft tissue injuries which will eventually heal do not result in a payment as there has not been a permanent loss of function that will last for the duration of your life.

Multiple impairments and impairments from before the accident

If you have more than one impairment from the accident, we will factor together the percentages for the different impairments to establish the amount of the payment. This is more complicated than simply adding the percentages together. When you had a pre-existing impairment before the accident, an additional impairment might have more serious consequences for you. We take this into account when calculating the permanent impairment payment.

Amount of payment

The formula for calculating the permanent impairment payment is set out in the law. We multiply the percentage for the impairment by the maximum lump-sum amount for the year in which the accident occurred. The maximum amount is adjusted to the Consumer Price Index on March 1 each year. Please see the PIPP benefits page for the lump-sum payment amounts that apply this year.

Timing of payment

In most cases, we must wait until your injuries have had a chance to heal so that your doctor can assess the exact extent of the permanent impairment. Depending on the injury, it can take a year or more to establish the extent of the impairment and therefore the amount of the permanent impairment payment.

If a person survives 90 days beyond the date of the accident and then dies as a result of injuries sustained in the , there are payments for the impairment and also for the death. Please refer to the Fatality Claim Guide for additional details.

Glass claims are easily handled with Mitchell Cloud Glass – a web-based application for glass repair shops that makes filing glass claims more convenient. Using Mitchell Cloud Glass, participating glass repair shops can link in to Manitoba Public Insurance’s systems and register claims for you.

The process is fast and convenient: one call or visit will take care of registering your claim, confirming your coverage and scheduling the repair work. By calling a participating glass repair shop first, you skip one step – calling Manitoba Public Insurance.

By connecting directly with the glass repair shop, you get professional advice right from the source. When you file your glass claim through a glass repair shop using Mitchell Cloud Glass, you get the service and advice you need – all in one call or visit.

How does it work?

Find a participating glass repair shop.

Call or go directly to the participating glass shop of your choice to report your glass claim.

If the damaged glass was caused by vandalism and occurred in Winnipeg, complete an online report with the Winnipeg Police Service. Outside of Winnipeg, contact local police where the damage occurred to file a report.

Most vehicles can use Mitchell Cloud Glass – but there are exceptions that require special handling.

Have this information ready when you call:

  • The driver’s licence document number of the registered vehicle owner. (If the registered vehicle owner does not have a driver’s licence, you may use the customer number located on the vehicle registration).
  • The vehicle registration.
  • The date/approximate time of day the original damage occurred.
  • The vehicle’s licence plate number and Autopac policy number, along with the details about any other insurance you may have and your customer number.

If the vehicle is registered to a company, you will need to provide the customer number located on the vehicle registration.

Glass claims requiring special handling

There are some glass claims that cannot be processed through the Mitchell Cloud Glass system and must be handled by Manitoba Public Insurance. These include:

  • Vehicles covered under Manitoba Public Insurance’s Rental Vehicle Insurance.
  • Plate transfers from a currently registered vehicle to a newly acquired vehicle (seven-day transfers).
  • Lay-up policies (with no plate).
  • Vehicles with temporary permits.
  • Vehicles with Dealer Plates or Repairer Plates.
  • Work paid for in advance of reporting the claim, for which Manitoba Public Insurance has agreed to reimburse the policyholder.
  • Motorcycles, mopeds and mobility vehicles.
  • All off-road vehicles.
  • Tractors and trailers.

For these exceptions, please call Manitoba Public Insurance at 204-985-7000 or toll free at 1-800-665-2410 to report your glass claim.

We understand that the sudden, unexpected loss of a family member can be emotionally and mentally exhausting. We’re here to help during this difficult time.

We will do our utmost to assist you — with compassion, courtesy and discretion.

Throughout the claim process, a case manager will answer any questions you have and help you in completing the necessary paperwork. As much as possible, we will work at a pace that suits you.

This section, which includes information from our Support Guide for Fatality Claims, explains the entitlements available to immediate family members under the Personal Injury Protection Plan (PIPP), as well as the criteria used to determine the financial and other assistance available.

Your MPI case manager will meet with you to review this information and explain the entitlements and supports offered under PIPP.

Funeral expenses

PIPP provides a payment for funeral expenses.

Arrangements can be with your case manager to make funeral expense payments directly from PIPP or the estate will be reimbursed based on copies of invoices or receipts submitted for expenses incurred.

Funeral expenses can include the costs of transporting the deceased, funeral home services, cremation, a cemetery burial plot and a grave marker. Your case manager can advise what other related expenses may also be considered under this coverage.

Each year on March 1, we use the Consumer Price Index to adjust the funeral expense coverage. Please refer to the PIPP Benefits outline for the current payment rate.

Grief counselling

Family members are entitled to grief counselling by a professional counsellor. This includes a social worker, psychologist or member of the clergy. Associated medication costs are also included.

An additional benefit per person is available for accommodation, meal expenses and pre-approved travel expenses incurred when a family member must travel more than 50 km (one way) from their home community to attend grief counselling.

This financial support, offered under PIPP, is available for an indefinite period of time until the maximum payment amount is reached.

Arrangements can be made to have PIPP pay for the counselling sessions directly or to reimburse family members based on receipts submitted for expenses incurred.

Your case manager can answer questions about finding a counsellor and arranging to have the cost of the counselling covered directly by PIPP.

Please refer to the PIPP Benefits outline for the current payment rate.

Payments to immediate family

Spouses, common-law partners, dependants and, in some cases, grown children and parents of a person who was fatally injured, are eligible for lump-sum payments under the PIPP.

The amounts paid depend on the deceased’s age, gross yearly employment income and the age(s) of the dependent children.

If there are dependent children but no spouse or common-law partner, the dependent children share the amount that otherwise would have been paid to the spouse. This amount is in addition to the payment they receive as dependants.

If there is no spouse, common–law partner or dependants, then non–dependent children and parents are eligible to receive a payment.

If there is no immediate family, no lump-sum payments are made.

Payments to spouse or common-law partner

PIPP pays a lump-sum to a spouse or common–law partner. The amount paid depends on the age and income of the deceased at the time of the accident.

A spouse is someone who was married to and living with the person at the time of the fatal injury.

A common-law partner is someone who was living with the person in an unmarried, conjugal relationship at the time of the fatal injury AND the relationship involved any of these three circumstances:

  • the common-law relationship had been registered under section 13.1 of The Vital Statistics Act
  • the partners had been living together for at least three years at the time of the accident
  • the partners had been living together for at least one year at the time of the accident and had parented a child together

Determining the payment amount

If the deceased was employed at the time of the accident, the payment is based on the person’s gross yearly employment income and age.

To calculate the amount that a spouse or common-law partner will receive, we multiply the gross yearly employment income by a payment factor from 1 to 5. The highest payment factor of 5 applies when a person is fatally injured at age 45.

If the deceased had been unemployed at the time of the accident and would not have been entitled to income replacement benefits, the spouse or common-law partner receives the minimum lump-sum payment. Please refer to the PIPP Benefits outline for the current payment rate.

Payments to dependants

PIPP pays a dependant a lump-sum depending on the dependant’s age at the time of the accident.

A dependant can be any of the following:

  • a child who was under 18 at the time of the accident
  • a child who was substantially dependent at the time of the accident
  • someone married to the deceased but legally or otherwise separated from that person
  • someone divorced from the deceased and who, at the time of the accident, was entitled to receive support payments according to an agreement or court judgment
  • a parent who was substantially dependent at the time of the accident

Disabled dependants

A disabled dependant is entitled to an additional payment.

Disabled dependants have a mental or physical disability that prevents them from being financially self-sufficient. Their disability must have existed at the time of the accident. Your case manager will discuss the ways in which this entitlement can be confirmed.

Payments to dependants of a single parent

When a single parent is fatally injured, PIPP provides two payments to dependent children:

  1. The payment that would have been made to a spouse or common-law partner, if there had been one, is divided equally among the dependent children.
  2. The regular payment made to a dependent child.

This payment structure recognizes that dependants of a single parent could have limited financial resources and provides some additional financial support in consideration of these circumstances.

Please refer to the PIPP Benefits outline for the current payment rate.

Payments in other situations

When the deceased had no spouse, common-law partner or dependants, then non-dependent parents and non–dependent children will each receive a lump-sum payment. Please refer to the PIPP Benefits outline for the current payment rate.

Payments to caregivers

If at the time of the accident the deceased’s main occupation was to care for a child under 16 or a disabled adult without pay, then the new primary caregiver may be entitled to compensation under PIPP. See information on caregiver coverage or talk to your case manager for more information.

If you are involved in a collision, you may need your child car or booster seat replaced. When you report a claim, be sure to state if there was a child car or booster seat in your vehicle at the time of the collision.

MPI will reimburse customers for a comparable replacement seat that meets Canada’s Motor Vehicle Safety Standards if:

  • A child was in the seat at the time of the collision.
  • The claim involved moderate to severe damage.

Moderate to severe damage may include:

  • Your vehicle was non-driveable due to the collision.
  • A driver or passenger was hurt in the collision.
  • Your vehicle’s airbag(s) deployed.
  • Your vehicle’s door nearest the seat was damaged (not including those placed in the middle of a back seat or in the trunk).
  • There is visible damage to the child car or booster seat.
  • Your claim is a total theft.
  • Your child car or booster seat is damaged by broken glass.

To be eligible for a reimbursement:

  • The seat being replaced must not be expired. Find out how to check the expiry date.
  • The damaged seat and proof of purchase of the replacement seat must be presented to MPI within 30 days of when the claim was reported. In Winnipeg, to dispose of your damaged seat, visit our Physical Damage Centre, Building B, located at 1981 Plessis Road. Outside Winnipeg, visit your local MPI Service Centre.

After your estimate is completed, if you are unsure if your car or booster seat needs to be replaced, feel free to discuss your concerns with your adjuster, who can help assess if the damage is moderate to severe. Likewise, your adjuster can help you determine eligibility if the seat is part of a travel system, and can help if you cannot visit us within 30 days.

You must bring your receipt for the new car or booster seat and the old seat to MPI for reimbursement, even if you participate in Direct Repair.

If the seat is eligible for replacement, we will issue the payment to you within two business days.

Our aim is to treat all our customers fairly and to do our best to ensure your claims experience is a positive one.

By handling your claim in accordance with the provisions laid out in The Manitoba Public Insurance Corporation Act and its Regulations, we try to ensure that everyone is treated fairly and consistently.

Some claims are complicated. For example, conflicting witness information or lack of evidence can force us to make tough decisions, guided by the Act and its Regulations, in order to settle the claim. We’ll make every effort to explain the rationale behind our decision but you, as the customer, retain the right to disagree with our findings.

If you aren’t happy with the outcome of your claim, we offer several appeal alternatives where you can request a review of your file.

Appeal fault in collision claims

If you are unhappy with the outcome of your Autopac claim, the first thing to do is talk to your adjuster or your adjuster’s supervisor about it. Make sure you understand why they assessed the claim the way they did. If you think they should reconsider the assessment, explain why you think they should.

You can also ask the Service or Claim Centre manager to review your file. If you still have concerns over the decision, discuss your claim with one of the Customer Relations officers. They can be reached through our Contact Centre at 204-985-7000.

If you’re still not satisfied, you can pursue a formal appeal through an Independent Review or Small Claims Court (Collision Claims).

Independent Review

If you choose to appeal the outcome of your Autopac claim through the Independent Review process, your claim will be reviewed by an independent adjudicator who will provide an opinion on liability. If the adjudicator’s opinion is that your liability percentage should be lower, we will change your liability assessment accordingly.

Here are a few things you need to know about the review process:

You have 30 days after receiving the assessment letter to contact your adjuster and request an Independent Review.

To proceed through an Independent Review, all parties involved in the collision must be insured through Basic Autopac.

Your adjuster will provide you with the Independent Review form, which you will complete and drop off at a Service Centre along with the required $50 fee.

An independent adjudicator will review your file and Independent Review form and provide an opinion on liability. (Be sure the form is filled out with everything you want the adjudicator to know since you will not speak to the adjudicator directly.)

If the adjudicator changes responsibility so that you are less than 50 per cent responsible, your review fee will be reimbursed.

If you are not satisfied with the outcome of the Independent Review, you may appeal through Small Claims Court. However, the reverse is not possible. If you appealed through Small Claims Court first, you cannot then appeal through a Independent Review.

Small Claims Court (collision claims)

If you choose to pursue a formal appeal option, the courts are ultimately the “last stop” in determining liability.

Small Claims Court is sometimes called “the people’s court” because it’s more informal than higher courts. You don’t need a lawyer to make your case. Here are a few things you need to know about the process:

You have two years from the collision date to file your claim.

You can sue for your deductible. Or, you can ask the court just to decide who was at fault, without even suing for an amount.

There is a $75 charge to file a claim for an amount that is under $5,000 and $100 charge for an amount that is over $5,000. Filing an appeal must be done at 408 York Ave.

You sue whomever you believe caused the collision – you’re the claimant and the other party is the defendant.

You have to accurately identify the party you’re suing. That means you have to make sure you have the other party’s name and address exactly right. Then, you have to “serve” the other party with a copy of the “Small Claims Form”. You must also serve Manitoba Public Insurance with the claim form.

If you do not have the other party’s name and address, speak to your claim adjuster to fill out the necessary form so that you may obtain this information for Small Claims Court purposes.

It’s up to you to put your case together as logically and clearly as possible.

We’ll accept the court’s decision, but either side has the right to appeal the decision within 30 days from the date on the Certificate of Decision. Call 204-945-3138 for more information.

Disagreements over collision repairs or settlement amounts

Sometimes claimants disagree with our assessment on how much a vehicle should be repaired, or what should be repaired on their vehicles. There can also be differences between what you think your vehicle is worth, and what we value it at, if the vehicle is deemed a write-off.

If you disagree with our repair or settlement decisions, you have a couple of options.

The first step is to talk things over with one of the claim supervisors – either the estimating supervisor for disagreements over repairs, or your adjuster’s supervisor for disagreements over vehicle value. In many cases, the issue can be worked out once both parties fully understand where the other’s concerns lie.

If we can’t work it out, your case is then placed in the hands of two independent representatives, one representing you and one representing your adjuster. The two representatives then decide what the repairs or the settlement should be. At Manitoba Public Insurance, we call this procedure an independent appraisal process.

Independent Appraisal Process

During the independent appraisal process, you must indicate the amount for which you’ll settle on a proof-of-loss form (provided by your adjuster). If we reject your offer of settlement, you can then choose an independent vehicle appraiser as your representative.

Your representative should be someone experienced in estimating repairs or valuing vehicles (such as a professional vehicle appraiser). Your adjuster can give you a list of reputable independent appraisers if you don’t know anyone who can act on your behalf.

Make sure you send your representative’s name, address and phone number to your adjuster by registered mail. We’ll send our representative’s name to you by registered mail within five days of receiving your letter.

Both representatives then try to agree on your vehicle’s value or the repairs that are needed. If they agree, we both must accept the decision. If the representatives don’t agree, they select a third independent individual, known as an umpire, whose decision is final and binding on both of us. If the representatives can’t agree on the choice of an umpire, the courts will name one.

The Rates Appeal Board (RAB)

The RAB is an independent board that hears appeals on the additional driver premiums which are paid by customers with a negative placement on the DSR scale. The RAB doesn’t determine fault for a claim or overturn a conviction. The board has the authority to waive a portion of the premium, the entire amount, or to deny the appeal.

Appealing to the RAB:

You can appeal additional driver premiums from demerit points through the RAB if there is evidence of financial hardship.

You can also appeal to the RAB if you think the additional driver premium is based on incorrect information on your drivers’ record.

You must receive notice of the additional driver premium before you can appeal.

It costs $10 to start your appeal. If your appeal is successful, you are refunded the $10. If your appeal is not successful, you do not get refunded and you have to pay another $25 for making the appeal.

To appeal through the RAB, call 204-985-7071.

Appealing your position on the Driver Safety Rating Scale

To appeal your position on the DSR scale, you must appeal the at-fault accident or conviction that resulted in the demerits.

To appeal an at-fault accident, you should consider Small Claims Court, not the RAB.

To appeal a conviction that happened in Manitoba, you must go through the Manitoba courts.

More Information

Our Contact Centre staff can answer most questions about your Autopac insurance. If your question is more complex, they can put you in touch with one of our Fair Practices and Customer Relations team members who can research the matter in more detail.

The Manitoba Ombudsman

The Manitoba Ombudsman is an independent officer of the Legislative Assembly, who assists people and public sector organizations with their concerns by conducting impartial investigations, making recommendations and providing guidance to ensure people are treated in a consistent, fair and reasonable manner and that their rights to information and privacy are protected. The Ombudsman is not an appeal body and cannot substitute their opinion for that of the Corporation. They do not have the power to overturn decisions. In its investigations, the Ombudsman identifies problems with a particular process, decision or systemic issue and may make recommendations to the Corporation to address the issue. They can be reached at 204-982-9130, 1-800-665-0531 (toll free) or by email to [email protected].

The Personal Injury Protection Plan (PIPP) provides enhanced coverage for the people who need it most. If you have been catastrophically injured in a motor-vehicle accident, PIPP offers you enhanced income replacement, permanent impairment payments and additional funding for personal care.

Catastrophic Injury is defined as the following:

  • Permanent and complete spinal cord injury (paralysis).
  • Brain injury resulting in a permanent need for supervision.
  • Multiple amputations.
  • Complete loss of sight.
  • Debilitating psychological injury.
  • Other similar injuries.

Coverage

People who are catastrophically injured in a motor-vehicle accident are eligible for enhanced coverage under PIPP:

  • The minimum amount you’re eligible to receive is based on the Industrial Average Wage, which is adjusted annually on April 1.
  • For permanent impairment, the maximum amount that is payable is based on the date of your accident.
  • We may provide additional funding for those who have already used their PIPP monthly limit for personal care.
  • We can offer additional Attendant Care Coverage to support a return to work and mitigate Income Replacement costs.
  • We can cover the extraordinary costs associated with an attendant to accompany a victim while travelling or other additional costs to travel.
  • We can cover the extraordinary costs for a victim to take part in recreation or leisure activities as a result of the accident related impairment.

Claimants who are deemed catastrophically injured and entitled to enhanced benefits may also be entitled to reimbursement of extraordinary expenses under the following circumstances:

  • To provide temporary benefits when a claimant is waiting for funds from an alternate government program.
  • To cover an expense not normally paid under PIPP that will lead to fewer PIPP benefits being needed in the longer term.
  • To top-up the benefits of another government agency that will lead to fewer PIPP benefits needed in the longer term.

Please refer to the PIPP Benefits outline for the current reimbursement rate.

Definition of catastrophic injuries

Schedule 4, Section 70(1) of the Manitoba Public Insurance Act states that a person is catastrophically injured if they suffer:

  • Quadriplegia or paraplegia – complete or incomplete, that meets the criteria for classification as Grade A or B on the American Spinal Injury Association (ASIA) scale and results in an impairment of 65 per cent or more. Please see the PIPP Guide (section 7) for the ASIA scale.
  • Two or more amputations, such as shoulder/arm or pelvis/hip/thigh, including disfigurement.
  • Loss of functional vision (impairment of 80 per cent or more).
  • Functional alteration of the brain resulting in a determined impairment of 50 per cent or more.
  • Psychiatric injury requiring supervision in an institutional or confined setting for 50 per cent or more of the time and with a determined impairment of 70 per cent or more.
  • Severe burns, resulting in consequential impairments, excluding scarring or disfigurement to all surface areas of the body other than the face, that are determined to result in a degree of permanent impairment of 75 per cent or more.
  • A combination of any of the following impairments totaling 80 per cent or more:
  • Single amputation, such as shoulder, arm, elbow, forearm, wrist, pelvis, hip, thigh, knee or below the knee.
  • Quadriplegia or paraplegia – complete or incomplete, which meets the criteria for classification as Grade C or D on the American Spinal Injury Association (ASIA) scale with partial preservation of motor power.
  • Loss of functional vision impairment between 50 and 80 per cent.
  • Functional alteration of the brain resulting in a determined impairment of 30 per cent or more.
  • Severe brachial plexus injuries.
  • Psychiatric injury requiring supervision in an institutional or confined setting for 50 per cent or more of the time and with a determined impairment of 35 per cent.
  • Severe burns, resulting in consequential impairments, excluding scarring or disfigurement to all surface areas other than the face, that are determined to result in a degree of permanent impairment of 40 per cent or more.
  • Another injury that is prescribed in the regulations as being catastrophic.

Please be advised that this list does not outline all of the specific qualifiers for the Catastrophic Injury designation. Your case manager can review the impairment schedule with you as to whether you meet the requirements specified in the legislation.

Income replacement

We believe in providing enhanced coverage for people who need it most. We use the Industrial Average Wage (IAW), rather than the provincial minimum wage, to calculate lost income. The IAW is set using Statistics Canada data about Manitobans’ salaries and is substantially higher than minimum wage. Please refer to the PIPP Benefits outline for the current IAW rate.

Permanent impairment payments

Manitoba Public Insurance recognizes the serious and lasting impact that catastrophic injuries have on people. Please refer to the PIPP Benefits outline for the current permanent injury payment rate.

Additional benefits

If you’ve been catastrophically injured in a motor vehicle accident, you may be eligible for some of the following additional benefits:

More for personal care

PIPP already covers the expense of hiring someone to care for you if your injuries prevent you from caring for yourself. There is a monthly limit paid for approved personal care related to non-catastrophic injuries under the current guidelines. Customers who are catastrophically injured and have already used that monthly limit may also be eligible for payment towards additional related expenses per month.

Special circumstances (Transitional Expense Coverage)

PIPP allows payments to catastrophically-injured claimants under the following special circumstances:

To provide temporary benefits while a claimant is waiting for funds from a government program.

To cover an expense not normally paid under PIPP or another government program that will lead to less PIPP benefits being needed in the longer term.

These payments are made at the discretion of Manitoba Public Insurance.

Travel and accommodation

To ensure you are still able to enjoy many of your pre-accident activities, PIPP will help pay for any extraordinary accommodation expenses you may have as a result of the catastrophic injuries sustained. For example, if you require an aide to travel with you to visit an out-of-town relative, PIPP would cover their expenses.

Acquisition of a motor vehicle

PIPP may also provide funds to acquire a passenger car, truck or van that has been adapted for use by a catastrophically injured customer, either as a driver or as a passenger. For example, if you are constantly required to use a wheelchair as a result of your catastrophic injuries from the accident, PIPP may assist with funds towards the purchase of a passenger van with a wheelchair lift.

New life events

PIPP covers any new events you choose to participate in as a result of life events such as marriage or the birth of a child. For example, if, after you are catastrophically injured in an accident, you marry and your spouse owns a cottage, PIPP will pay for renovations to make it accessible to you.

Attendant care for employment

PIPP may pay for attendant care to allow a catastrophically-injured customer to go back to work.

Indexed benefits

Each year, Manitoba Public Insurance will increase the benefits listed in this section, based on the Consumer Price Index.

Paintless Dent Repair is an effective, industry-standard method of removing dents from vehicle body panels. It’s a quick and efficient repair method that does not require painting sanding or filling. Paintless Dent Repair is suitable for damage where the original paint is undamaged. This sort of dent is frequently seen in hail claims. Your estimator’s initial assessment will determine if the damage is suitable for Paintless Dent Repair.

The benefits include:

  • A faster repair method than conventional dent repair, which means you’ll get your vehicle back sooner.
  • Maintains your vehicle’s original paint.
  • Paintless Dent Repair is a cost-effective repair process which does not compromise on quality.

Authorized facilities

If your claim requires Paintless Dent Repair, you can contact your regular accredited repair shop to discuss your options, or you can contact one of these authorized Paintless Dent Repair facilities:

  • Abas Auto, Hwy 7, Winnipeg
  • Auto Fashion, Brandon
  • Birchwood Collision Centre at Pointe West, Winnipeg
  • Colormelt Autobody, Regent Avenue West, Winnipeg
  • Crown Autobody and Glass, Waverley Street South, Winnipeg
  • Crusty Customs, Brandon
  • DCC Hail, Swan River
  • DCC Hail, Winnipeg, MB
  • Dent Dynasty, Plessis Road, Winnipeg
  • Diamond Auto Body & Glass, Winkler
  • Doctor Dent, St. James Street, Winnipeg
  • Dunn Chrysler Dodge Jeep Ram, Portage la Prairie
  • Eastside Collision Repairs, Marion Street, Winnipeg
  • Funk’s Autobody, Steinbach
  • Lightning Dent Repair, Winnipeg
  • Loewen Body Shop, Steinbach
  • MagicMen PDR, Oak Bluff
  • McBride Autobody, Holden Street, Winnipeg
  • Mint Auto Body, Niakwa Road, Winnipeg
  • Miracle Dent Repair, Regent Avenue, Winnipeg
  • Moonlite Autobody, Winkler
  • Pinnacle Collision Centre, Kenaston Boulevard, Winnipeg
  • Precision Autobody, Altona
  • Pro-Dent, Portage Avenue, Winnipeg
  • RNG Pro Autobody, Christopher Street, Springfield
  • Roblin Auto Body & Painting, Roblin
  • Rust Check, Winnipeg
  • Souris Collision + Glass, Souris
  • St. Claude Autobody, St. Claude
  • The Dentist Paintless Dent Removal, Trottier Bay, Winnipeg
  • The Pas Collision and Glass Centre, The Pas
  • Treherne Collision & Glass, Treherne
  • Trident Paintless Dent Repair Ltd, Darlingford
  • Wayne Johnston Autobody and Glass, Dugald
  • Westman Dent and Glass, Brandon

Many new vehicles are being manufactured using complex materials, such as aluminum, boron steel and carbon fibre, to reduce vehicle weight for improved fuel efficiency. Repair of these complex materials require specialized training, equipment, repair methods and facilities.

Overall, vehicle repair is becoming more complicated and sophisticated as vehicle manufacturing undergoes dramatic change. In addition to the increased use of complex materials, vehicles are commonly being equipped with the advanced computerized technology, including electronic stability control, forward collision warning systems, automatic emergency braking, lane-assistance technologies, and even park assistance.

Due to the expertise required to repair today’s vehicles, it’s becoming more and more important to visit an accredited repair shop that is qualified to repair your vehicle. Use the repair shop locator tool to locate accredited shops that can work on your specific vehicle.

Alternatively, we have compiled a list below of vehicles requiring specialized repairs, and the repair shops that are qualified to repair these vehicles. Depending on the damages to your vehicle, the required repair work may need to be completed by an OEM certified or qualified repair facility:

  • 2015 or newer Ford F-150
  • 2017 or newer Ford F-250 or F-350
  • 2018 or newer Ford Expedition
  • Audi
  • BMW/MINI
  • Jaguar and Land Rover
  • Maserati
  • Mercedes Benz
  • Porsche
  • Tesla

Certification and qualification requirements do not apply to glass repairs. For more information about complex materials and advanced technologies, talk to your auto dealer and refer to your warranty. Learn more about complex materials as seen in the Winnipeg Free Press: April 25 and May 16, 2015.

Capable repair facilities

If you have a 2015 or newer Ford F-150, a 2017 or newer F-250 or F-350, or a 2018 or newer Ford Expedition: your vehicle repairs may require specialized training, equipment, repair methods and facilities. The following repair facilities have the capability to conduct repairs:

  • Abas Auto, Winnipeg
  • Arlington Auto Body, Winnipeg
  • AutoReady Collision Centre, Carman
  • Bev’s Repair, Manitou
  • Birchwood Collision Centre on Regent, Winnipeg
  • Birchwood Collision Centre at Pointe West, Winnipeg
  • Boyd Autobody & Glass on Scurfield Boulevard, Winnipeg
  • Capital Ford Lincoln, Winnipeg
  • CARSTAR Gimli, Gimli (formerly South Beach Collision)
  • CARSTAR St. James, Winnipeg (formerly Macdonald Auto Body)
  • Celebration Ford Sales, Moosomin
  • Central Autobody Shop Ltd, Brandon
  • Colormelt Autobody, Winnipeg
  • Craig Dunn Motor City, Portage la Prairie
  • Dauphin Ford Ltd., Dauphin
  • Dean Cooley Motors LTD, Dauphin
  • Diamond Autobody and Glass, Winkler
  • Donvito Collision & Glass on Sargent Avenue, Winnipeg
  • Eastern Chrysler Dodge Jeep Ram, Winnipeg
  • Eastside Collision, Winnipeg
  • Eastside Heavy Truck, Winnipeg
  • Eastside Moray Collision and Glass, Winnipeg
  • Fairway Autobody & Glass, Steinbach
  • Forman Collision, Brandon
  • Fort Rouge Auto Centre, Winnipeg
  • Funk’s Autobody, Steinbach
  • Gateway Autobody, Winnipeg
  • Hayes Autobody & Glass, Thompson
  • Hi-Way Collision, Hamiota
  • InterCity Autobody, Winnipeg
  • Ivan’s Auto Body & Glass, Winnipeg
  • JMAX Collision & Glass, Winnipeg
  • Kelleher Ford Sales, Brandon
  • Ken’s Autobody, Oakville
  • Litwin Autobody Sales & Service, Winnipeg
  • Loewen Body Shop, Steinbach
  • MarVal Autobody, Killarney
  • Metalmaster Auto Body, La Broquerie
  • Midtown Ford Sales Ltd., Winnipeg
  • Mint Autobody Ltd., Winnipeg
  • Moonlite Auto Body Ltd., Winkler
  • Morden Auto Body Ltd., Morden
  • Motown Motors, Morris
  • Niverville Autobody, Niverville
  • Northland Ford Sales Ltd., The Pas
  • Pembina Hills Collision Ltd, Darlingford
  • Pinnacle Collision Centre, Winnipeg
  • Precision Autobody, Altona
  • RAM Autobody, Winnipeg
  • River City Collision, Portage Ave, Winnipeg
  • Roadrunners Auto, Ashern
  • Selkirk Autobody, Selkirk
  • Selkirk Chevrolet Pontiac Buick GMC, Selkirk
  • Ski Collision & Glass, Springfield
  • Skyline Auto, Winkler
  • Souris Collision & Glass, Souris
  • St. Claude Autobody, St. Claude
  • Swan Valley Collision and Glass, Swan Valley
  • The Pas Collision & Glass Centre, The Pas
  • Thompson Ford Sales, Thompson
  • Treherne Collision & Glass, Treherne
  • Valley Collision, Melita
  • Vernaus Auto Body, Winnipeg
  • Vickar Autobody & Glass, Winnipeg
  • Vickar Ford, Winnipeg
  • Wayne Johnston Autobody & Glass, Dugald
  • West Perimeter Service & Collision Centre, Winnipeg
  • Winter’s Collision Repair, Winnipeg

If you have an Audi, Audi Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facility has met Audi Canada’s certification requirements and is qualified to conduct repairs:

  • McNaught Buick Cadillac GMC, Winnipeg

If you have a BMW or MINI, BMW Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facilities have met all of BMW Canada’s certification requirements and are qualified to conduct repairs:

  • Birchwood Collision Luxury, Winnipeg
  • Donvito Collision & Glass on Sargent Avenue, Winnipeg

If you have a Jaguar or Land Rover, Jaguar Land Rover Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facilities have met Jaguar Land Rover Canada’s certification requirements and are qualified to conduct repairs:

  • Birchwood Collision Luxury, Winnipeg
  • Donvito Collision & Glass on Sargent Avenue, Winnipeg

If you have a Maserati, Maserati Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facility has met Maserati Canada’s certification requirements and is qualified to conduct repairs:

  • Eastside Collision Repairs Ltd, 874 Marion Street, Winnipeg

If you have a Mercedes Benz, Mercedes Benz Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facility has met Mercedes Benz Canada’s certification requirements and is qualified to conduct repairs:

  • Pinnacle Collision Centre, Winnipeg

If you have a Porsche, Porsche Canada’s certification requirements include specialized training, equipment, repair methods and facilities. The following repair facility has met Porsche Canada’s certification requirements and is qualified to conduct repairs:

  • Fort Rouge Auto Centre, Winnipeg

If you have a Tesla, Tesla Canada’s approved body shop requirements include specialized training, equipment, repair methods and facilities. The following repair facility has met Tesla Canada’s requirements and is qualified to conduct repairs:

  • Donvito Collision & Glass on Sargent Avenue, Winnipeg
  • McNaught Buick Cadillac GMC (Wpg. Auto), Waverley Street, Winnipeg

To search for an accredited repair shop based on your location and your vehicle type, click here.

Collision repair industry

Manitoba’s healthy and robust collision repair trade is capable of meeting these new requirements. By investing in additional training, tools, equipment and facilities, shops will continue to provide the safe, reliable and cost-effective repairs that all Manitobans expect.

Manitoba Public Insurance’s technical experts currently support the industry with the provision of training courses through I-CAR Canada. This premiere training and recognition program, operated by the Automotive Industries Association of Canada, provides skills updating for the collision repair industry. We are working with the repair industry to ensure all shops have the opportunity to undergo training to meet requirements for complex materials. We are also providing the research that repair shops need to help adapt their operations and infrastructure to work on these newer complex materials.

Manitoba Public Insurance is assisting owners of vehicles with complex materials in finding OEM certified or qualified repair shops that meet manufacturer standards to work on complex materials.

A salvage vehicle is a vehicle that has been damaged and/or deemed a total loss by MPI. These vehicles are assigned a salvage vehicle status based on their previous history and current vehicle condition.

Salvage status can be:

Vehicles with cosmetic damage only (i.e., damage that does not render the vehicle unsafe, structurally or mechanically) are designated as “salvageable with exception” and do not need a BIIC to be registered. However, they will require COI.

  • Irreparable: Vehicles with an irreparable status cannot be returned to the roads and are sold for parts only.

They can never be registered for use on public roads.

They cannot be operated displaying a “D” or “R” plate.

They cannot be registered with any temporary certificate.

No salvage purchases can be registered or driven without the appropriate general safety (COI) and structural integrity inspections (BIIC). No exceptions!

Find more information on our weekly live online auctions here.

MPI’s Personal Injury Protection Plan (PIPP) ensures that all Manitobans who are injured in an automobile collision, including both vehicle owners and non-vehicle owners, are fairly compensated for their economic losses.

To open a bodily injury claim, call our Contact Centre at 204-985-7000 or toll-free 1-800-665-2410. Alternatively, you can use our online claim reporting form.

Certain injury benefits are adjusted each year based on the Consumer Price Index and the Manitoba Industrial Average Wage. The current benefits are listed here.

The PIPP Overview provides more background about the program. You can also access the complete PIPP Guide here.

For questions about an existing injury claim, get in touch with your case manager or call 204-985-7200.

Forms

The following forms may be helpful to you during the process of your injury claim:

Application for Review of Injury Claim Decision

Appointment of Representative and Authorization for the Release of Information

Authorization to Communicate with Manitoba Public Insurance by email

Authorization for Release of Employment Information

Authorization for Release of Health Care Information

Authorization to Release Injured Child’s Information

Consent to Act as Guardian

Direct Deposit Form

Employer’s Verification of Earnings

Personal Injury Protection Plan Initial Package

Personal Injury Protection Plan Subrogation Indemnity Agreement

Primary Health Report

Record of Travel Expenses (PDF)

Record of Travel Expenses (Online)

Record of Medical and Personal Expenses

Verification of School Attendance

WCB Indemnity Agreement & Notice to Elect PIPP Benefits

Open a Claim