In our experience, Customers would like to know how to get the most value for their vehicle if it is a total loss. Simply put, it is up to the insurance company to pay out an amount that would let you go and purchase the same vehicle, with similar mileage and trim options. But there are three key things you can do to help out this process.

wait for your offer

Wait for MPIC to make you an offer, if it is lower than you need to replace the current vehicle, then proceed, if it is higher, then take the offer.

Support a value

If you have done any mechanical repairs in the last 6 months, and have the receipts, submit this ALL to your adjuster to increase the value of your vehicle. i.e. brakes, timing belts, tires, engine or transmission overhauls, fuel pump, sensors, batteries, anything that is to “upgrade” or “maintain” the vehicle.

find comparables

Search, and print out any ads in Manitoba that dealerships are selling with the same Make, Model, Year, Trim, and Mileage. Take these to your adjuster so they can adjust the price accordingly, and use as comparative numbers.


It’s up to the insurance company to put you back into a vehicle that is similar, has same trim options, and mileage.  If you cannot do this with your offer, then they aren’t holding up to their end of the deal.