Which type of coverage is required for all vehicles registered in Manitoba?

• A. Comprehensive coverage
• B. Basic Autopac coverage
• C. Third-party liability coverage
• D. Collision coverage

Answer: (B)

Basic Autopac coverage is the mandatory insurance requirement for all vehicles registered in Manitoba. This type of coverage provides essential protection for vehicle owners, ensuring that they have a baseline of financial security in case of an accident or damage.

Basic Autopac coverage includes provisions for bodily injury liability, which is critical since it covers the costs associated with injuries to others in an accident where the insured driver is at fault. It also includes coverage for loss or damage to the insured vehicle in the event it is stolen or damaged by a peril such as fire or vandalism. By requiring Basic Autopac coverage, Manitoba Public Insurance ensures that all drivers contribute to a collective pool that helps manage the financial impacts of road incidents.

While comprehensive coverage, third-party liability coverage, and collision coverage are important types of insurance that drivers may choose to obtain, they are not mandatory for registering a vehicle in Manitoba. Comprehensive coverage protects against a broader range of risks, third-party liability coverage is typically part of Basic Autopac but serves different needs, and collision coverage addresses damages from accidents regardless of fault. These options can provide enhanced protection but are not required by law for all vehicles.