What's Covered in Your Car Insurance Policy?

Auto insurance is an essential part of being a responsible vehicle owner in Manitoba, providing financial protection in case of unexpected events. While it's crucial to understand the coverage your policy offers, it's equally important to be aware of what isn't covered. 

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In Manitoba, Manitoba Public Insurance (MPI), offers various types of coverage, including basic all-perils, third-party liability, and Personal Injury Protection Plan (PIPP). Let's delve into what's covered and what's not under these policies.

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Basic All-Perils Coverage

Basic all-perils coverage is the foundation of Autopac insurance in Manitoba. This coverage protects your vehicle and attached equipment against accidental loss or damage within Canada and the U.S. The policy covers a range of incidents, including collisions, vandalism, theft, flooding, hail, storms, fire, and explosions. Autopac takes care of the expenses after you pay the deductible and any applicable depreciation.

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What’s Not Covered Under All Perils:

1. Contents of Vehicle: Personal items within your vehicle are not covered under basic all-perils insurance.
2. Mechanical Failures: Damage due to mechanical failure or breakdown of any part is not included, except when caused by covered events like collisions, fire, theft, or vandalism.
3. Specific Vehicle Exclusions: Vehicles like antique cars, semi-trailers, and those operated under a Single Trip Registration Permit are not covered.

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Third-Party Liability Coverage

Third-party liability coverage protects you from claims made by others due to accidents where you're at fault. It protects against property damage and bodily injury claims, ensuring you're financially secure in case of a lawsuit. This coverage is vital, but it doesn't cover every situation.

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Exclusions from Third-Party Liability Coverage:

1. Property You Own: Damage caused to your property or items in your care is not covered. For instance, if your vehicle damages your boat parked in your driveway, this damage is not included.
2. Machinery or Equipment Damage: Damages caused by machinery or equipment mounted on your vehicle while parked at a work site are not covered.
3. Specific Vehicle Operators: If your vehicle is being driven by someone in the business of repairing, servicing, storing, or parking vehicles and they aren't your employee or partner, their actions might not be covered.
4. Criminal Activity: Damages resulting from criminal activities are not covered under third-party liability insurance.
5. Government Vehicles: If you operate a Government of Canada vehicle, you're not covered under third-party liability.

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Personal Injury Protection Plan (PIPP)

PIPP covers injuries sustained in accidents, providing compensation for medical expenses and rehabilitation. However, there are specific exclusions within this coverage:

1. Maintenance, Repair, or Alteration: Injuries resulting from maintaining, repairing, altering, or improving a vehicle are not covered.
2. Injuries Caused by Animals: Injuries caused by animals carried in or on the vehicle are excluded.
3. Off-Road Vehicles: Injuries involving off-road vehicles, such as snowmobiles, dirt bikes, or ATVs, are not covered unless the accident involves a moving automobile.
4. Unsanctioned Activities: Injuries resulting from unsanctioned activities or events held on a closed track or location are not covered.

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Understanding what's covered and what's not under your auto insurance policy is essential to ensuring you're adequately protected in every situation. 

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Autopac insurance in Manitoba offers comprehensive coverage, but being aware of what's included and what's not can make a significant difference in times of need. While Autopac provides a strong foundation, it's also crucial to consider additional coverage options tailored to your specific requirements. 

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Our team of experienced professionals at Kilgour Bell Insurance understands the complexities of insurance policies and can guide you through the process, ensuring you have the coverage you need. Contact us today!