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A question that is posed to us frequently is, “What exactly is Third Party Liability and how much do I need?”

Third Party Liability is the coverage that insures you for claims made against you if your vehicle causes damage to another vehicle or someone else’s property within Manitoba.  It also will insure claims made against you if your vehicle causes bodily injury, damage to another vehicle, or damage to someone else’s property outside of Manitoba, but within Canada and the United States.

Earlier this year Manitoba Public Insurance increased the amount of Third Party Liability that can be purchased through Autopac.  You can now purchase up to $10,000,000 of coverage.  Many people feel that $10,000,000 is a ludicrously high amount of insurance.  Think again!  A report put out by AAA cited that bodily injury auto accident claims resulting in a fatality had settlements that were on average over $6,000,000 USD.  Manitoba Public Insurance’s liability limits are in CAD!

If you travel outside of Manitoba, especially into the United States, looking at limits above $5,000,000 might be right for you.  Contact us today to for more information.


* – AAA Report Citation

COVID-19 Updated Notice

Temporary Changes

Crossroads Insurance has been monitoring and assessing developments with COVID-19. The health and safety of our customers and staff is our priority. COVID-19 cases continue to escalate in Winnipeg and Manitoba. As a result, Crossroads Insurance’s response continues to evolve as developments change. In the best interests of our employees and our customers, as well as their health and safety, effective Monday November 16th, 2020, our offices will be closed to the public. We will be scheduling appointments for transactions that are required to be done in person.

Although our physical offices are closed to the public, as an essential service, Crossroads Insurance remains open for business. We want to assure that we are still here to serve you. Crossroads Insurance can handle the majority of your MPI Services/Autopac, Home, Business, and Life insurance needs over the phone, by email, or online.

There may be rare occasions where you need to visit one of our offices in person. In light of social distancing recommendations, we will limit customer numbers in our offices for the comfort and safety of our Insurance Advisors. To limit the number of people in our offices, we will be dealing with these situations on an appointment only basis. Any in person appointments need to be prearranged and verified. We have taken additional precautions to keep our offices safe, including protective shields, extensive cleaning and sanitizing.

We are confident there will be little impact on our service capabilities and responsiveness as a result of these changes. There may be times when our team members are dealing with increased call volumes. Please be patient during this time. Please leave a voicemail and one of our Insurance Advisors will return your call as soon as they are available. You can also send your inquiries by email, fax, and through our website.

Thank you for your patience as we work through this rapidly changing situation. We will continue to monitor the situation closely and provide you with regular updates.

Please do not hesitate to contact one of our Insurance Advisors who are here to help and ready to assist you.

We are here to support you as we work through this together,
Your Crossroads Insurance Team