Manitoba has had no-fault insurance since 1994. If you are hurt in a collision here, you cannot sue the other driver for your injuries. Every benefit you receive comes from Manitoba Public Insurance, and every benefit you are refused comes down to one decision by one case manager.
Which makes two numbers worth more than any other on this page. Sixty days to ask for an internal review of that decision. Ninety days after the review to appeal to a body that has nothing to do with MPI.
There is also free, independent help for that appeal, and most people never hear about it.
What does PIPP pay?
The Personal Injury Protection Plan covers every Manitoba resident hurt in a collision anywhere in Canada or the United States, whether or not they own a vehicle and whatever their share of the fault. These are MPI's amounts, effective 1 April 2026, adjusted each year by the consumer price index and the Manitoba average industrial wage.
- Income replacement. 90 per cent of your net income, on a maximum insurable gross income of $123,000 a year, after a seven-day waiting period.
- Personal care assistance. Up to $5,824 a month, or $6,964 a month where the injury is catastrophic, with receipts.
- Permanent impairment. A lump sum up to $194,159, and up to $306,580 where the injury is catastrophic.
- Caregiver benefit. From $562 a week for one dependant to $738 a week for four or more.
- Students and minors. Up to $6,601 for kindergarten to grade 8, $12,232 for grades 9 to 12 and $24,467 for post-secondary studies not completed.
- If someone dies. Between $77,665 and $615,000 for a spouse or partner depending on age and income, $10,586 for funeral expenses and $4,426 per person for grief counselling.
Medical care, rehabilitation, travel to treatment and meal allowances sit alongside those, and catastrophic injuries carry additional coverage again, including home and vehicle modifications.
When benefits stop
MPI pays no matter who caused the collision, with one hard exception. Where a person is convicted under the Criminal Code of auto theft, flight from a peace officer, theft where the property is a stolen motor vehicle, or taking a motor vehicle without consent, all of their benefits are terminated. That applies to passengers convicted of those offences as well as drivers.
Other convictions reduce income replacement for the first twelve months, depending on fault and the number of dependants. And no income replacement is paid to a person while they are in prison.
If you disagree with a decision
Three steps, each with its own clock.
- Internal review, within 60 days. Ask your case manager for the Application for Review of Injury Claim Decision form, or download it. The review is done by MPI's Internal Review Office, which is separate from the claims department. Sixty days runs from when you received the decision, and missing it can end the review before it starts.
- The Appeal Commission, within 90 days. If the internal review decision does not go your way, you can appeal to the Automobile Injury Compensation Appeal Commission, an independent tribunal that is entirely separate from MPI. Ninety days runs from the day you receive the internal review decision. The Commission can extend that in exceptional circumstances, but only if you explain yourself in writing.
- The Court of Appeal, within 30 days. Either side can take a Commission decision to Manitoba's Court of Appeal within 30 days of receiving it, on a question of law or jurisdiction only, and only with a judge's permission.
The Commission hearing is a fresh hearing rather than a paper review of what MPI did. It can confirm, increase or decrease what you were awarded, and you can represent yourself or bring anyone you choose. Your representative does not have to be a lawyer.
Two things to do the day a decision arrives
Write the date you received it on the envelope. Both clocks run from receipt, not from the date printed on the letter, and you are the one who will have to prove it.
Ask for your claim file. Section 151(1) of the Manitoba Public Insurance Corporation Act gives you the right to request and review a copy of your bodily injury claim file. That file is what the decision was made from, and reading it is how you find out whether a report you have never seen is the reason for the refusal.
The free help nobody mentions
The Claimant Adviser Office is an independent advocacy office, funded by the province and completely separate from both MPI and the Appeal Commission. Claimant advisers help injured people prepare and argue appeals, and they do it at no charge.
MPI's own page sets out when that help becomes available: after an application has been submitted to the Appeal Commission and a written decision has been issued by the Internal Review Office. So the order matters. File the review, get the written decision, file the appeal, then call them.
Advisers do not help with vehicle damage disputes or driver's licence matters. Injury claims are what they do.
What a review is actually decided on
Your file. An internal review officer and, later, a commissioner are reading medical reports, a case manager's notes and whatever evidence you have put in.
That is why the useful work happens long before a decision arrives. What your physiotherapist recorded in week three, whether the pain you described was written down, whether anyone noted that you tried to go back to work and could not, and what you have spent getting to treatment.
What should you write down, starting today?
- The date every letter arrived. Sixty days and ninety days both run from receipt.
- Every appointment, and what was recorded. Ask what went into the note. It is the evidence you are not writing yourself.
- What you cannot do at work. The task, the hours, what was offered instead and how it went.
- The ordinary things you have lost, with dates. Personal care and caregiver benefits turn on exactly this.
- Every call with your case manager. The date, the name and what was said or asked for.
What to read next
Recovering after a car accident in Manitoba covers the whole route and is free to read, and the dates that run alongside a claim are on our Manitoba MPI injury claim deadlines page. Next door, Saskatchewan lets people choose whether to keep the right to sue: no fault or tort, which SGI coverage do you have. Quebec has run without lawsuits the longest, since 1978: what the SAAQ pays, and how to contest a decision. Anywhere else in Canada, start with the guides by province and territory.
Every figure here comes from a named source.
Last verified: September 2026.
Verified against: Manitoba Public Insurance's Personal Injury Protection Plan benefit amounts effective 1 April 2026 and its page on appealing an injury claim; the Automobile Injury Compensation Appeal Commission and the Claimant Adviser Office of Manitoba Consumer Protection; and section 151(1) of the Manitoba Public Insurance Corporation Act.
These amounts change every April. If you find something out of date on this page, write to Recovery@hurtsquare.ca and we will correct it publicly.
This is general information for people in Manitoba. It is not legal or medical advice. What you are entitled to depends on the facts of your claim, and a decision you disagree with is worth advice, or a call to the Claimant Adviser Office, before you accept it.
