For what it's worth, my wife had a fender bender situation with one of our neighbours about 5-6 years ago. The guy was living full time in Alberta with his Manitoba plates.
Anyways they have this fender bender and my wife tries to do the standard "exchange information things, talk to the insurance companies" thing but this guy is having none of it. He's convinced the high rolling Albertans are trying to pull one over on him, the only people he'll talk to are the police & Manitoba's MPI (public insurance).
So we try to get in touch with this guy for about 2-3 weeks, nothing, he's not talking to us at all. But he did send the police to our place to get our statements and investigate a "hit & run". But as I said, we'd been trying to talk to him for weeks. The officers did their report, but were not impressed that this guy had wasted their time and lied to them about the nature of the situation.
Around this time we get a letter from MPI telling us we're at a fault, and they need our insurance info to reimburse the guy for repairs. After 2-3 weeks of BS it took just one call to MPI to say "This guy is our neighbour, he's had Manitoba plates on his car for at least 6-7 months, he lives here, he works here, he's not just visiting. Why the Manitoba plates & insurance?"
Never heard another boo about it from him or MPI, and he had Alberta plates later that week.
tl;dr: MPI doesn't take too kindly to using their cheap public insurance while living/working in another province.
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