In-Case of Accident

If you’re involved in a vehicle accident in Manitoba, it’s important to follow the correct steps to protect yourself, stay within the law, and ensure a smooth insurance process with Manitoba Public Insurance (MPI). Here’s a step-by-step guide:

🚨 1. Ensure Safety First

• Check for injuries. Call 911 if anyone is injured or there are hazards (e.g. fire, downed power lines).

• Move to safety, if possible and safe to do so — especially to avoid blocking traffic.

• Turn on hazard lights and use warning triangles if available.

📞 2. Call the Police if Required

In Manitoba, report the accident to police if:

• Someone is injured or killed.

• A driver is impaired or leaves the scene (hit and run).

• There is suspected criminal activity (e.g., stolen vehicle).

• Damage is extensive or there’s a public hazard (e.g., fuel spill).

• You’re instructed to by MPI or emergency services.

Otherwise, a police report may not be necessary for minor collisions.

📷 3. Gather Important Information

Exchange details with the other party:

• Names and contact info

• Driver’s license numbers

• Vehicle license plate numbers

• Insurance information (registration, Autopac)

• Contact info for any witnesses

Take photos of:

• Vehicle damage (yours and theirs)

• Scene of the accident

• Any landmarks or signs

📝 4. File a Claim with MPI

As soon as possible (within 7 days ideally):

Options:

• Online: mpi.mb.ca

• Phone: Call MPI’s claim line at 204-985-7000 (Winnipeg) or 1-800-665-2410 (toll-free)

• In person: Visit a Claim Centre

Be ready to provide:

• Date/time and location of the accident

• Description of what happened

• Driver and vehicle info

• Police report number (if applicable)

• Photos and witness info

🛠️ 5. Vehicle Damage Assessment

MPI may direct you to:

• A Service or Claim Centre, or

• A Direct Repair Shop (for eligible vehicles)

MPI or an approved repair shop will assess the damage and determine:

• If the vehicle is repairable

• How much the repairs will cost

• If the vehicle is a total loss (“written off”)

🚗 6. Loss of Use / Rental Vehicle

If you have Loss of Use coverage, you may be eligible for:

• A rental vehicle, or

• Reimbursement for alternate transportation

Ask your adjuster when you report your claim.

💵 7. Pay Your Deductible

You’ll be responsible for your deductible, unless:

• You’re not at fault, and

• The at-fault driver is identified and insured

⚠️ 8. Watch for MPI Follow-Up

MPI may:

• Call for a statement

• Ask for more documentation

• Help coordinate repairs, total loss settlement, or injury benefits (if applicable)

Bonus: 📁 Tips to Stay Prepared

• Keep a collision kit in your car: pen, paper, flashlight, and MPI claim instructions.

• Review your Autopac coverage annually to ensure you’re properly insured (especially Loss of Use, deductible options, etc.)