As a rider, your risk of bodily injury is increased as you only have clothing to protect you in a collision.
Motorcycles and mopeds can be insured in one of the following three categories:
1. A motorcycle or moped in the pleasure category is used for pleasure driving. It can only be driven to or from – or part way to or from – work or school up to four days a month and not more than 1,609 km a year. It cannot be used for any business purpose.
2. An all-purpose motorcycle or moped can be used for pleasure driving, for driving to or from – or part way to or from – work or school and for business purposes.
Mopeds can also be u-drives.
3. The rules for registering and operating your motorcycle
are governed by The Drivers and Vehicles Act and are
meant to help lower your risk of a collision. However,
if you are in a collision, you need to have enough
insurance to minimize the financial risks you and your
family may face.
The premiums you pay provide you with coverage through the Personal Injury Protection Plan (PIPP), which is based on four principles:
Coverage extends to all Manitoba residents
injured in automobile collisions anywhere in Canada
or the United States.
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Compensation focuses on specific economic
losses from an auto injury or death.
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Compensation is available for all injured Manitoba
residents regardless of who was at fault, with
some exclusions.
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Most benefits are indexed to the
Consumer Price Index to reflect
changingeconomic conditions.
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