Common Mistakes to Avoid When Reporting a Car Accident to MPI

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Being involved in a car accident is a stressful experience, and navigating the insurance claims process can add to the frustration. In Manitoba, drivers must report accidents to Manitoba Public Insurance (MPI), but many make errors that can lead to delays, denied claims, or reduced compensation.

To help you avoid these pitfalls, we’ll outline the most common mistakes people make when reporting an accident to MPI and provide tips to ensure a smooth claims process.

1. Failing to Report the Accident on Time

One of the biggest mistakes drivers make is delaying the reporting of their accident. MPI requires drivers to report collisions within 7 days of the incident. Failing to do so can lead to complications, including claim denials.

Why Timely Reporting Matters

  • Preserves Evidence: The sooner you report, the more accurate the details will be.
  • Avoids Claim Rejection: MPI may deny claims that are reported too late.
  • Ensures Faster Processing: The sooner your claim is filed, the quicker you can receive repairs or compensation.

What to Do:

  • Contact MPI as soon as possible after the accident.
  • Provide all necessary details about the incident.
  • If you’re injured and unable to report on time, have someone do it on your behalf.

2. Providing Incomplete or Incorrect Information

Accuracy is key when reporting your accident. Giving MPI incorrect or incomplete information can cause major setbacks.

Common Errors to Avoid:

  • Failing to mention all damages or injuries.
  • Providing an inaccurate timeline of events.
  • Forgetting to include relevant witnesses or involved parties.

What to Do:

  • Double-check all information before submitting it.
  • Ensure your statements remain consistent if asked for further clarification.
  • If you’re unsure of any details, state that rather than guessing.

3. Not Gathering Enough Evidence

Many drivers fail to collect proper evidence at the scene, which can make it harder to prove what happened. Without sufficient proof, your claim may be delayed or disputed.

Important Evidence to Collect:

  • Photos & Videos: Capture damage, road conditions, traffic signs, and injuries.
  • Witness Statements: Gather contact details of anyone who saw the accident.
  • Police Report: If law enforcement was involved, request a copy of their report.
  • Dashcam Footage: If available, this can provide crucial evidence of what happened.

What to Do:

  • Take clear photos from multiple angles.
  • Write down key details immediately while they’re fresh in your memory.
  • Keep copies of all evidence in case MPI requests additional documentation.

4. Admitting Fault at the Scene

Many drivers instinctively apologize after an accident, but even a simple “I’m sorry” can be interpreted as an admission of guilt. This can negatively impact your claim.

Why This is a Mistake:

  • MPI and law enforcement will determine liability based on evidence.
  • You may not have all the facts at the moment, and the fault may not be yours.
  • Your insurance coverage and compensation may be affected.

What to Do Instead:

  • Remain calm and exchange information with the other party.
  • Avoid making statements that could be interpreted as accepting responsibility.
  • Let the investigation determine who is at fault.

5. Delaying Medical Attention

If you’ve been injured, not seeking medical care immediately can impact both your health and your insurance claim. Some injuries, like whiplash or internal injuries, don’t show symptoms right away but can become serious later.

Why Prompt Medical Attention is Important:

  • Creates a medical record that supports your claim.
  • This prevents insurers from arguing that injuries were unrelated to the accident.
  • Ensures you receive proper treatment and avoid long-term complications.

What to Do:

  • Visit a doctor or hospital as soon as possible, even if you feel fine.
  • Follow all prescribed treatments and keep medical records.
  • Inform MPI about your injuries and any ongoing treatments.

6. Not Following Up on Your Claim

Some drivers assume that once they report an accident, MPI will handle everything without further input. However, failing to follow up can result in delays or unresolved claims.

Why Following Up is Important:

  • Ensures all necessary documents have been received.
  • Keep your claim moving forward without unnecessary delays.
  • Helps clarify any additional requirements MPI may have.

What to Do:

  • Check-in with MPI periodically to see the status of your claim.
  • Keep a record of all conversations and documents submitted.
  • Address any concerns or missing paperwork as soon as possible.

Conclusion

Reporting a car accident to MPI may seem straightforward, but common mistakes can lead to serious consequences, from delayed claims to outright denials. To avoid issues, remember to:

  • Report your accident within 7 days to ensure a smooth claims process.
  • Provide accurate and complete information.
  • Collect strong evidence to support your case.
  • Avoid admitting fault at the scene.
  • Seek medical attention promptly.
  • Report all accidents, even minor ones.
  • Follow up on your claim to ensure timely processing.

By avoiding these mistakes, you can navigate the MPI claims process with confidence and get the support you need after an accident. Stay proactive, stay informed, and protect your rights.

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