the complete guide to buyInG a new car
Insurance Know-How
Auto insurance for passenger vehicles is mandatory in Manitoba through Manitoba Public Insurance ( MPI ). Basic coverage protects you if you ’ re in a collision , but you can also buy additional coverage for situations that could prove costly . For all your Autopac needs , visit CAA Manitoba Insurance , available at our Empress and St . Anne ’ s service centres .
accident benefits MPI ’ s Personal Injury Protection Plan provides comprehensive coverage to Manitoba residents involved in a collision
all perils Basic Autopac covers collision and comprehensive repairs to your vehicle .
collision Covers the costs of repairing your vehicle after a collision .
comprehensive Covers damage to your vehicle after most things not covered by collision , such as fire , hail , theft or vandalism .
Deductible Uninsured portion of your policy . Options include $ 100 , $ 200 , $ 300 and $ 500 ( basic ).
auto loss of use An extension product available that covers the costs of a rental vehicle while your car is being repaired or the claim is being processed .
Glass Covers the cost of repairing a chip or complete windshield replacement . With a lower deductible ( less than $ 500 ), it does not apply on chip . repairs . Deductible will apply on glass replacement .
new vehicle protection An extension product available that covers the price you paid for a new vehicle , including a percentage for inflation if it is written off within two years of purchasing the coverage . ( Does not include coverage for outstanding debt , warranties or insurance .)
Third-party liability ( TPL ) Protects you if you ’ re found responsible for causing a collision or property damage as you could potentially be sued by the affected parties . ( If the court settlement exceeds your coverage amount , you are legally obligated to pay the remainder .) Basic Autopac includes $ 200,000 in coverage . The maximum coverage available is $ 10 million .
Don ’ T Leave THe LoT wITHouT IT !
Be sure you ’ ve got everything you legally need to get behind the wheel . If you buy from a private seller , it ’ s your responsibility to be sure the paperwork is complete . Follow this list of essentials before turning the key .
Insurance The biggest expense after the vehicle itself , and the most variable . It ’ s compulsory in Canada to have auto insurance to drive on a public road . Get pricing through MPI .
LIcence PLaTe It stays with you , not the vehicle . When trading in a vehicle , swap the plate . But if you ’ re buying for the first time , or buying an additional vehicle , you need a new plate . It must be linked to a vehicle when first purchasing , so you ’ ll need to provide the Vehicle Identification Number of your new car . A reputable dealer will arrange this for you , or visit a CAA Manitoba Autopac agent to buy one along with your registration .
reGIsTraTIon Every vehicle must be provincially registered with MPI each year to legally use the road . In Manitoba , registration is included with government insurance and plate stickers are no longer required .
DrIver ’ s LIcence It must be valid and must represent the province in which you currently live . If you ’ ve moved from another province , you have 90 days to transfer your licence to your new home . A CAA Manitoba Autopac agent can do this for you .
DrIVEr : ANToNIo _ DIAz / ISToCk
44 Fall 2017 CAA MaNITOBa