Have you recently purchased or leased a new or used vehicle in Manitoba? As an authorized dealer of Autopac insurance in Winnipeg and throughout Manitoba, Hillis Insurance Agencies Ltd. can help you find the right coverage. Not only is car insurance in Winnipeg mandatory for vehicle owners, but it protects you in many ways. The features of Autopac insurance are designed to mitigate the financial consequences that may follow an accident involving your vehicle. Our brokerage provides coverage through Manitoba Public Insurance (MPI), which also includes driver’s licensing, off-road vehicles, and rental vehicle insurance. We strive for complete customer convenience and satisfaction. That’s why we provide you with detailed information about basic coverages and help you through the process of registering your vehicles. For further assistance, please contact us.
Autopac insurance is an insurance policy mandated by the law. It is necessary to get Autopac insurance from Manitoba Public Insurance, if you want to operate a vehicle in Manitoba. Additionally, you need licence plates, vehicle registration, and a driver’s licence. An auto insurance policy can help cover the costs for repairs and more in the case of an accident.
Autopac insurance is designed to minimize the devastating financial after-effects of an accident involving your vehicle. The different coverages include:
The basic Autopac insurance is mandatory for car owners in Manitoba and provides coverage for the following:
All-perils collision coverage: It provides financial protection if your registered vehicle is damaged or lost due to insured scenarios like road accidents, vandalism and extreme weather.
Personal injury coverage: It includes the Personal Injury Protection Plan (PIPP) should you ever be injured or killed in your vehicle.
Third-party liability coverage: It also provides third-party liability coverage for claims made against you if your registered vehicle has caused damages or injuries to someone else.
Extended Autopac coverages are also available to increase your third-party liability limits, reduce your overall insurance deductibles, and/or to cover certain higher-end vehicles or even large commercial trucking fleets. If you rely on your vehicle every day, you may also consider getting extended Loss of Use coverage, which will cover your vehicle in the event that it’s stolen or accidentally damaged (e.g. in a collision).
MPI also allows you to include additional features in your car insurance plan with their Optional Autopac and Special Risk Extension (SRE) coverages. With Optional Autopac, you can get car insurance coverage in Winnipeg that factors in your personal needs and use of your vehicle. For instance, if you live in an area where collision with an animal is a rare possibility, you can choose to forego or minimize this aspect of your policy. Whether you’re seeking basic or extended Autopac insurance in Winnipeg or surrounding areas, Hillis Insurance Agencies Ltd. is experienced at providing both at competitive rates.
The type of Autopac insurance in Winnipeg that you get (basic vs. extended coverage) depends on your specific needs as a vehicle owner. If you own a motorhome or a classic sports car that you only use for a few months out of the year, you may be eligible for short-term Autopac coverage. It’s also your responsibility to make changes to your policy or to cancel your registration and Autopac insurance should you ever move away from Manitoba or you dispose of your vehicle.
When insurance costs are spread out among many people, their rates become more affordable for individuals while still fulfilling all of the basic coverage requirements. One type of insurance that commonly practices this is Autopac insurance. In Manitoba, people are generally grouped together with others who live in a similar area, own similar vehicles, have similar driving records, or use and operate their vehicles in a similar manner. Altogether, you make up what’s commonly referred to as a claims risk.
Should you ever need to file an insurance claim, the money is taken out of the claims risk’s fund. This means the insurance premiums you pay will be determined in part by how much your entire group has cost the overall insurance fund. While you can’t control how many claims are filed by other members of your group, you can control how often you file by following all posted traffic and safety regulations and avoiding accidents. The safer the driver you are, the less you’ll end up paying in possible insurance premiums for your group.
A deductible is an amount that you are responsible to pay before the insurance company pays for your claims. Policies with higher premiums will have lower deductibles and vice-versa.
Your premium is the amount you pay for your coverage. The accumulated premiums from different policyholders are used to provide cover in case of liabilities arising out of claims. Insurance premiums are contingent on a variety of risk-based factors:
What Do You Need from Me to Register My Vehicle?
As a vehicle owner, you’re solely responsible for registering and insuring your vehicle. You must be at least 16 years old and a Manitoba resident to register a vehicle. If you’re under the age of 18, you’ll need written consent from your parents or legal guardians.
If you’re registering a brand-new vehicle, you’ll need to provide a bill of sale with the vehicle’s year, make, model, and serial number, as well as the amount you paid for the vehicle and the purchase date. You’ll also be required to provide your name and signature, the seller’s name and signature, and a New Vehicle Information Statement (NVIS) that certifies what vehicle you bought, who manufactured it, and which dealer sold it to you.
If you’re registering a used vehicle, you’ll need to provide a Transfer of Ownership Document (TOD) signed by the previous owner(s) and you, as well as a bill of sale and a passed Certificate of Inspection (COI) issued by a qualified Manitoba vehicle inspection station. For most types of vehicles, a passed COI is valid for a year.
Having adequate auto insurance coverage offers peace of mind and protection in the unfortunate event of an accident. And dealing with an experienced insurance agent ensures claims are always settled fairly and promptly, so there’s as minimal disruption to your daily routine as possible. Autopac insurance premiums are typically among the lowest in Canada. For auto and Autopac insurance in Winnipeg or elsewhere in Manitoba, contact Hillis Insurance Agencies Ltd. today. We can provide you with a free, no-obligation quote and answer any questions or address any concerns you may have about your Autopac insurance policy!