Family Protection Endorsement (MSEF 44)
- This endorsement was originally called the Underinsured Motorist Endorsement.
- It was designed to protect innocent victims who suffer serious injury or death as a result of the negligence of an inadequately insured motorist.
- Where defined insured persons cannot make full recovery from such a motorist the insurer will pay the shortfall under the insured's own policy.
Since the introduction of the Personal Injury Protection Plan (PIPP) and the abolition of the right to sue for injuries sustained in motor vehicle accidents this coverage has become more or less redundant in Manitoba,
- and is not available under basic or optional Autopac.
- It is available as an endorsement to an MSPF 1 policy for risks such as Extra Provincial Commercial Vehicles
- and Off-Road Vehicles.
- It is still an important part of an automobile insurance policy in tort provinces
- and is required knowledge for anyone dealing in auto insurance.
- "Insured person" is defined as the named insured
- - and his or her spouse
-
- - and any dependent relatives of either while
- an occupant of the insured automobile;
- an occupant of another automobile provided it is not owned or leased by the insured and it is not covered by a Family Protection Endorsement;
- not an occupant of an automobile (e.g. as a pedestrian or cyclist).
- Similar provisions apply when the insured is a business and the vehicle is provided to employees.
- The limit is the Section A - 3rd Party Liability coverage limit
- or the limit shown in the endorsement.
- It is important to note that this endorsement tops up the limit of Uninsured Motorist Cover from the minimum $200,000 limit to the endorsement limit.
- The endorsement now closely follows the same provisions for "unidentified motorists"
- as does the Uninsured Motorist Section of the policy.