MPI Total Loss: How Manitoba Vehicle Write-Off Value Is Calculated
MPI writes off a vehicle when paying its pre-loss fair market value is more economical than repairing it. The decision considers repair cost, actual cash value and salvage value.
MPI defines actual cash value as the vehicle's fair market value immediately before the damage.
The write-off decision considers repair cost, actual cash value and the amount recoverable through salvage.
Basic Autopac generally pays actual cash value rather than brand-new replacement value, subject to the maximum insured value and optional protection.
Actual cash value is a pre-loss market value
MPI considers the vehicle's condition and market information when determining actual cash value. Recent repair receipts can matter when they support a higher pre-loss value, so owners should keep maintenance and repair records.
Salvage can change the repair-versus-write-off decision
A vehicle may be written off even when the repair estimate is below its full market value if the net cost of paying the market value and recovering salvage is lower than repairing it.
New-vehicle protection is a separate product
Basic Autopac uses actual cash value. Eligible new or late-model vehicles can have optional New Vehicle Protection that changes the settlement framework, so it should not be assumed that every total loss pays original purchase price.
Check MPI's current claim guidance
Claim rules and procedures can change. The official MPI page controls if a process, limit or requirement differs from this research summary.
MPI — When your vehicle is written off →