A claim is the moment a broker actually matters.

For an MPI Autopac auto claim, call MPI's 24-hour claim line (204-985-7000 or 1-800-665-2410) first if you need a tow, a rental, or emergency medical — they dispatch resources you cannot get through us. Then call Galaxy. For everything else — home, business, life, watercraft — call us first. We open the claim with the carrier, brief them on your file, and stay with you for the rest of the process.

For an auto claim: driver's licence, vehicle registration, the other driver's information, and a police file number if one was issued. For a home claim: photos of the damage, a list of affected contents with approximate values, and any receipts you still have. For business: copies of contracts or invoices tied to the loss. We send you a checklist for your specific claim type when we open the file.

Sometimes, depending on the claim type, who is at fault, and your prior claims history. Not-at-fault claims and most weather-related home claims often have little or no premium impact, while at-fault auto and theft claims usually move the rate. We tell you up front whether a particular claim is likely to affect your premium, so you can make an informed decision about whether to file or absorb the loss.

A clean Autopac collision claim with no injuries usually resolves in two to four weeks. A home claim with structural damage or contents inventory can take six to twelve weeks. Liability claims involving third-party injury can run months or years because they depend on medical resolution. We keep you updated through the process and chase the adjuster directly if things stall.

Both. We do not adjust MPI claims — that is MPI's role — but we advocate for you when something is wrong. We review fault determinations, request reconsideration when the report misses key facts, challenge Driver Safety Rating impacts, and escalate to the Claims Review Committee when needed. Most clients do not know these options exist.

We review the denial letter carefully, push back where we believe the carrier is wrong, and escalate through the broker channel and the carrier's ombudsman if needed. For MPI denials, we walk you through the formal review process. A denied claim is not always a final answer, and a brokerage with twenty years of carrier relationships often gets a different result than a client calling on their own.

For most MPI auto claims, no — you choose a repair shop and MPI works directly with them. For private home and business claims, the carrier usually wants one estimate from a contractor of your choosing and may send their own adjuster or a preferred vendor. We coordinate the estimates so the claim moves quickly without unnecessary back-and-forth.

Notice obligations vary by carrier — most policies require you to report a loss promptly, ideally within days. Manitoba's Limitation of Actions Act sets a two-year window to commence formal legal action from the date you knew or ought to have known about the loss. The safest rule is to call us as soon as the incident happens, even if you are not sure whether you want to claim — late notice is the number one preventable reason claims get denied.