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Deductible Information
Your deductible is
your portion of any Autopac claim you make
for damage or theft. Your Autopac
insurance covers the amount
over
deductible.
The basic deductible
for all perils coverage depends on the type
of vehicle you own. Your deductible is
shown on your insurance certificate.
We'll reimburse your
deductible when your vehicle was damaged
through the fault of another Autopac-insured
driver. If the other Manitoba driver
was 100% responsible, you'll receive 100% of
your deductible back. If you and the
other Manitoba driver were each 50%
responsible, you'll each receive half your
deductible back. If you were 100% at
fault, you pay your deductible in full.
In a hit-and-run
situation, your deductible applies.
But if you can identify the person who was
responsible, we'll try to get your
deductible back from that person.
If a stolen vehicle
damages your vehicle, we'll reimburse your
deductible if:
Deductibles under basic all perils coverage
|
Types of Vehicle |
Deductible* |
|
Private passenger vehicles, vans, light
trucks, motor homes |
$500 |
|
Motorcycles (only collision and upset
coverage) |
$500 |
|
Trailers valued at $2500 or less |
$150 |
|
Trailers with a declared value between
$2501 and $50,000 |
$500 |
|
Taxicabs and vehicles with "LIV" number
plates |
$600 |
|
*Truck tractors,
tankers (carrying fuel, chemicals),
logging trucks, sand and gravel trucks,
common carrier trucks in Manitoba, buses
(transit, u-drive)
*some of these
vehicles don't have all-perils coverage. |
$800 |
|
Mopeds (only collision and upset
coverage) |
$150 |
Optional Deductibles
Deductibles for passenger vehicles, vans,
light trucks and motor homes
You can reduce the
basic deductible of $500 by buying optional
coverage through Manitoba Public Insurance.
Three optional Autopac packages are
available.
|
Deductible Choices |
|
Type of Claim |
Basic |
Pkg 1 |
Pkg 2 |
Pkg 3 |
|
Collision |
$500 |
$300 |
$200 |
$100 |
|
Theft of Vehicle* |
$500 |
$300 |
Nil |
Nil |
|
Glass Replacement |
$500 |
$300 |
$200 |
$100 |
|
Glass Repair |
$500 |
Nil |
Nil |
Nil |
|
Wildlife Collision |
$500 |
$300 |
Nil |
Nil |
|
All others ** |
$500 |
$300 |
$200 |
$100 |
* $500 and $300
deductibles reduce in half for vehicles with
an anti-theft device properly in use and
defeated.
** including fire,
vandalism, partial theft, hail
Lay-Up
Coverage
Lay up covers
accidental loss or damage - such as fire,
theft and vandalism, hail and lightning -
excluding road use. It doesn't cover
collision damage or vehicles stored outside
Manitoba.
You keep your licence
plate, but neither your plate nor your
insurance is valid for driving.
You can switch back to
road coverage any time by reactivating your
registration.
Lay up polices have a
$100 deductible. |
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Claims Information
Don't repair the damage
before MPI has a chance to see it!
Except for temporary or emergency repairs to
keep your vehicle mobile or to prevent
further damage, you shouldn't repair your
vehicle before MPI inspected the damage.
Police:
Report to the police
when:
-
a person has been
injured
-
damage to vehicles or
property is more than $1000
-
there has been
vandalism, theft or a hit and run
-
another driver is
uninsured or driving with a suspended
licence
-
a driver is impaired
Winnipeg Claim Reporting:
Call the Autopac Line at
985-7000
to
schedule an appointment at any one of
our
Winnipeg
claim centre:
Please
have your driver's licence and vehicle
registration with you when you call.
Hours of
Service:
Deaf access TTY/TDD:
985-8832
For 24 hour
Autopac Towing Service
in the Winnipeg Area, call
985-7544.
Out-of-Province
Claims:
For accidents
occurring outside of Manitoba, call
1-800-665-2410.
Specialized Claims
Reporting:
Commercial vehicles
such as heavy trucks, buses and other, call
985-7877.
Appeals:
Although most claims go through smoothly and
efficiently, disagreements occasionally
arise over how MPI handled a claim.
You have the right to appeal MPI decisions.
The Claims Series pamphlet "Appeal Options"
has more detailed information on appeals.
You can get the pamphlet itself from your
adjuster or you can get the information from
MPI's website (www.mpi.mb.ca).
Fair Practices
Office:
Manitoba Public Insurance's Fair Practices
Office reviews their service delivery and
polices for overall fairness. If you
have a concern about the fairness of
Manitoba Public Insurance's operations, you
can contact the Fair Practices Office at
985-8117.
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Rental Car
Insurance
Whenever you rent or
borrow a car - think about the insurance
protection you'll need.
Renting can be
risky
There's more to
renting a vehicle than you might think.
Driving an unfamiliar car can make an
accident more likely - especially if you're
driving it in an unfamiliar place.
That's why you need solid insurance
protection.
Unfortunately, the car
you're renting or borrowing may give you
less insurance protection than you need.
And without the right
insurance, you could end up paying for
damages and injuries from your own pocket.
The financial risks of renting
Without the right
insurance, you face three significant
financial risks, especially when
renting outside Manitoba.
First, other involved
in the accident may claim against you,
especially if the accident occurs in the
U.S. you could end up with a huge bill for
injuries to others and damage to their
property.
Second, you're
directly responsible for damages to the
vehicle you rent, whether or not you're at
fault. Most rental companies also
charge "down-time" to compensate them for
the time their car is off the road being
fixed or replaced.
Finally, if an
accident disables the car you've rented, you
may need to rent another one at your own
cost.
Rental
Car Insurance protects you best!
ü
Costs less than damage
waivers from rental companies
ü
Covers more than
damage waivers and credit cards
ü
Rentals in Manitoba,
elsewhere in Canada and the U.S.
ü
Familiar Autopac claim
service - no unpleasant surprises
ü
Easy to buy before you
rent!
Your best price
By choosing the
Rental Car Insurance, you can save up to $25
each day on your rental compared to choosing
coverage from the rental company.
Here's how
inexpensive the Rental Car Insurance is:
Rentals in
Manitoba:
$2 per day
Rentals
elsewhere in Canada:
$4 per day
Rentals in the
U.S.:
$7 per day
A $15 policy
fee and a minimum of 3 days premium applies
to each Rental Car Insurance policy.
With the Rental
Car Insurance, you don't have to list all
your drivers. If you've bought the
Rental Car Insurance in your name, anyone
driving the car with your consent and with a
valid driver's licence is covered.
However, the rental company may require you
to list all your other drivers as part of
their rental agreement.
Major risks covered:
-
Up to
$5,000,000 for claims other may make against
you.
-
Up to $100,000
for damages to vehicles outside Manitoba.
-
Daily
allowances payable to you to rent a
replacement vehicle and to cover "down-time"
charges (Subject to daily limits).
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