In Manitoba, it is mandatory to purchase "basic" Autopac insurance through Manitoba Public Insurance. Your basic Autopac insurance includes physical damage coverage for your vehicle, as well as third party liability coverage. Optional coverages available include reduced deductibles, increased liability, loss of use, and rental car insurance.
Enhanced coverages as follows:
Lower All Perils Deductibles: $300, $200 & $100 are available.
Increased Third Party Liability limits: $1,000,000, $2,000,000 & $5,000,000.
Auto Loss of Use: Level 1 and Level 2
Though Manitoba has "No Fault" insurance, the "Basic" Third Party Liability limit of $200,000 may be insufficient as per the following two scenarios:
What if you collided with a building or traffic light?
Third Party Liability: What if you injured someone or several people while travelling in another Province or in the USA? Depending on the jurisdiction, you may be involved in a substantial Bodily Injury lawsuit.
Team insurance Brokers highly recommends the Third Party Liability limit of $5,000,000.
To learn more about Auto Insurance quotes, click here to be directed to the Manitoba Public Insurance's Insurance Rate Calculator