“I Need to Open an MPI Claim!” | Hurt in a Car Crash in Manitoba? How an MPI Injury Claim Works

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If you are hurt in a car crash in Manitoba, your injury claim goes to Manitoba Public Insurance under the Personal Injury Protection Plan, known as PIPP. It pays no matter who was at fault. Open a claim with MPI as soon as you can by phone or online. PIPP covers treatment and replaces 90 per cent of net income, up to an insurable income of $123,000 a year. If you disagree with a decision, you have 60 days to ask for an internal review and then 90 days to appeal to an independent commission.

Manitoba's system is built so that your recovery does not wait on an argument over blame. Collisions touch a great many families here. MPI's 2022 Traffic Collision Statistics Report counted 56,702 reportable collisions and 8,775 victims that year. Knowing how the claim works makes it one less thing to worry about.

What is PIPP, and who does it cover?

The Personal Injury Protection Plan is Manitoba's public, no-fault injury coverage, set out in The Manitoba Public Insurance Corporation Act. MPI states that it covers all Manitoba residents injured in automobile accidents anywhere in Canada or the United States, and that compensation is guaranteed regardless of who was at fault. For Manitoba residents, benefits are not reduced because of fault.

That includes drivers, passengers, cyclists and people on foot. Visitors hurt in Manitoba receive full PIPP coverage when they are in a Manitoba-registered vehicle. Otherwise their compensation depends on the other party's degree of fault.

Because PIPP replaces the right to sue for injuries in most cases, your MPI claim is usually the main route to support.

How do I report a crash and open an injury claim?

Call MPI's Contact Centre at 204-985-7000 or toll free at 1-800-665-2410, or use MPI's online claim reporting form. The Contact Centre is open Monday to Friday from 7:30 a.m. to 7 p.m. and Saturday from 8:30 a.m. to 4:30 p.m.

MPI asks people to report as soon as possible. Its public pages do not give a fixed number of days for opening an injury claim, so we do not quote one. Reporting early starts everything else, including treatment approvals and income replacement.

After you report, MPI sends forms by mail or goes through them with you in a meeting with your case manager. Your case manager's role, in MPI's words, is to make sure you understand and receive the benefits you are entitled to. Keep your claim number somewhere easy to find.

For the first hours and days after a collision, see what to do after a car accident in Canada.

What does PIPP pay?

Income replacement. PIPP replaces 90 per cent of net income. The maximum insurable gross yearly income is $123,000, effective 1 April 2026, and it is adjusted every year. If you were working at the time of the crash, there is a seven-day waiting period that starts the day after the accident. Payments begin once MPI has your income information and then arrive every 14 days. Your tax returns and employment slips are the best proof of income, and your employer will need to complete an Employer's Verification of Earnings form.

People who were employable but not working can become eligible after 180 days if their injuries still prevent work. Full-time students receive lump sums for missed terms.

Treatment and expenses. PIPP pays for medical care and rehabilitation, ambulance transport from the scene to hospital, travel to treatment, and meal allowances up to $60.30 a day. Expenses are reimbursed after a claim has been filed, so keep legible copies of every receipt.

Other benefits, effective 1 April 2026. Personal care assistance up to $5,824 a month, or $6,964 for a catastrophic injury. A permanent impairment lump sum up to $194,159, or $306,580 for a catastrophic injury. A caregiver weekly benefit from $562 for one dependant to $738 for four or more.

Which dates matter on an MPI injury claim?

  • Seven days, the income replacement waiting period for people who were working.
  • Fourteen days, how often income replacement is paid once it starts.
  • Sixty days from receiving your case manager's decision to ask for an internal review.
  • Ninety days from receiving the internal review decision to appeal to the commission.

Each clock runs from the day a letter reaches you. Every date, with what starts it, is in our Manitoba MPI injury claim deadlines article.

What if I disagree with an MPI decision?

Internal review, within 60 days. Ask in writing using the Application for Review of Injury Claim Decision form, from your case manager or MPI's website. Explain which decision you disagree with and why, and attach anything that supports you, such as a doctor's report. The review is done by MPI's Internal Review Office, which is separate from the claims department.

The Automobile Injury Compensation Appeal Commission, within 90 days. AICAC is an independent body set up by the Manitoba government and is completely separate from MPI. You have 90 days from the day you receive the internal review decision to file a Notice of Appeal. AICAC can allow more time, but a late appeal needs written reasons.

Free help. The Claimant Adviser Office helps people appealing bodily injury decisions to AICAC at no charge. It cannot assist at the internal review stage. Reach it at 204-945-7413 or toll free at 1-800-282-8069, extension 7413. For concerns about how your claim was handled, MPI's Fair Practices Office is at 204-985-8117.

A full walk-through of each step is in MPI said no: what happens next in Manitoba.

What should I write down?

  1. The collision. Date, time, place, road and weather, and photos if you can.
  2. Your claim number, the date you reported, and who you spoke with.
  3. Every symptom, with the date it first appeared, including sleep, mood and concentration.
  4. Every appointment, and what the provider recorded.
  5. Every call with your case manager, with the date, the name and what was said.
  6. Every receipt and every trip to treatment, with the distance.
  7. Work missed, and the everyday tasks you now need help with.
  8. The date each decision letter arrived, written on the letter itself.

Our free Resource Hub has fillable trackers for symptoms, appointments and calls. The whole route is in recovering after a car accident in Manitoba. If you were driving for work when you were hurt, read how a WCB claim works in Manitoba as well.

The National MVA Recovery Guide holds that daily record in one place, and the Manitoba MVA Companion Guide sets out the MPI forms, dates and review routes beside it.

Keeping the record

Every MPI decision is made from your file. The dates you keep, the symptoms you note and the receipts you save are what let that file reflect your recovery as you lived it. A few lines a day is enough. Keep them together, and give the rest of your energy to getting well.

Why use Hurt Square?

Because MPI decides your claim from your file, and you are the one who sees every day of your recovery. Hurt Square guides give you one place to keep it all.

  • Your file, kept as it happens. The National MVA Recovery Guide has daily pain and symptom tracking, every appointment, medication, expenses and time away from work.
  • The Manitoba rules, in plain words. The Manitoba MVA Companion Guide holds the deadlines, forms and insurer routes that apply in Manitoba.
  • Made for hard days. 192 pages and more than 1,600 fillable fields that work on your phone, tablet or computer, in plain language.

Both guides, $39 until 22 November. The National MVA Recovery Guide and the Manitoba MVA Companion Guide, with the discount applied at checkout. Bought separately: $63.99.

Get both guides

Sources

Last verified: 14 October 2026. PIPP amounts change every April. If you find something out of date here, write to Recovery@hurtsquare.ca and we will correct it publicly.

This article is general information for people in Manitoba. It is not legal or medical advice.
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If you want the whole system, it comes in two parts.

Two things decide how an injury claim goes.

What you wrote down. The National Recovery Guide is the daily record: symptoms, appointments, calls, costs, and what you can no longer do. It is the part a claim is eventually judged on.
Whether you did the right thing at the right time for where you live. Your Provincial Companion Guide carries your deadlines, your forms, your boards and your appeal routes. Ontario is not British Columbia. Generic advice sends people to the wrong form, and then to the wrong date.

Buy only the National Guide and you keep a perfect record, then miss a deadline nobody told you about.

Buy only your Provincial Guide and you know every date, with nothing written down to send.

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The discount applies automatically at checkout.

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You are not the only one

Somebody else has already had this exact week.

We closed comments on our articles, on purpose. A public comment box under a page about claims is a place where people give away details that can be used against them later, and we would rather not build that.

The Square is where that conversation belongs instead. Canadians hurt in an accident or on the job say what happened, read what happened to everyone else, and find out they were never the only one. Post under your name or not at all.

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Moderated, with house rules. Please leave out claim numbers, adjuster names and anything else that identifies your file. Something specific to your own claim is better sent to recovery@hurtsquare.ca.