Manitoba Public Insurance (MPI) recently announced higher limits of Third Party Liability coverage for Manitoban drivers.

Effective March 1, 2017, Manitobans will be able to purchase $7 and $10 million liability coverage options to supplement the $1 million, $2 million and $5 million coverage options already available for most vehicles. These increased limits of liability will be available to all customers regardless of their renewal or re-assessment date.

Rental Vehicle Insurance offered by Manitoba Public Insurance will also automatically include the new $10 million liability coverage limit effective March 1, 2017.

Third party liability coverage protects Manitoba vehicle owners and drivers if they are sued for property damage caused from at-fault motor vehicle collisions, or injuries to other people resulting from collisions outside Manitoba. In these cases, vehicle owners and drivers could be legally obligated to pay court judgments that exceed the limit of liability coverage carried. In Manitoba, non-commercial vehicles must be insured with a minimum of $200,000 third party liability coverage, which is included in the compulsory basic Autopac program.

Court judgments in other Canadian provinces and in the United States can far exceed Manitoba’s current liability limits which can present a financial risk for Manitoban drivers who drive their vehicles outside the province. Anyone crossing the border on business, to do some shopping, going on a family vacation or driving to the cottage in Ontario could benefit from the protection that the new higher limits of liability provide.

Third Party Liability coverage covers you when you are driving your own vehicle or when someone else drives your vehicle, with your permission. When driving someone else’s vehicle, you’re also protected as long as you’re driving with the owner’s permission. In all cases, the driver must have a valid driver’s licence.

For more information about MPI’s higher limits of liability or other Autopac coverages please contact Our Team.