| |
| | Northerner | September 6, 2010 9:51:54 AM | Adrian,
Many thanks for your post... any other hints/tips for people like me on dealing
with settling out a personall injury claim with MPI? |
| | Adrian | September 1, 2010 8:49:13 PM | Northerner,
They are treated the same whether they are the result of the impact from the
crash or surgery required because of the crash. I myself have 3 incision scars
on my left leg when metal rods were inserted into my femur and approximately 2
patches of scarring as the result of direct impact from the crash. I recently
had all the scarring measured in order to begin calculating my permanent
disability entitlement and they were measured the same. As well, on the copy of
the case file that I obtained from MPI they are treated the same.
Hope this helps. |
| | American's Death | September 1, 2010 1:11:43 PM | | My post regarding section 75 of the Manitoba Public Insurance Act was removed.
I believe your public should again be aware of this section. This was NOT a
pure no-fault situation for my family being that we are not citizens of your
Province. If my Husband was at any fault the claim would not have been payable
or only a percentage would have been paid. MPI and WPS released the driver's
statement to my family stating my husband walked into his semi-truck. They were
not aware that I had obtained the eyewitness statements of the men who were
beside him and in front of him. Upon finding out I had the statements they
reinterviewed the eyewitnesses 1 year after the accident, who were again very
clear that the driver turned a sharp right into my Husband's back throwing or
dragging him up to 30 ft, no steps were taken. My Husband never survived the
night in Health Science Centre. Again MPI took my children before the U.S.
Courts admitting the entire accident, forcing us to sign a release for this
driver, stating they considered the cost of our child with special needs
medical care, which they did not, yet refusing to release the police narritive
and the reason the driver was never even fined for his actions (which is my
right as an American Citizen)When I contacted the Crown Prosecutor to obtain
this information on my own, I was told that the accident was never even
forwarded to your Prosecutor a duty crown then referred to his longtime friend
who was an attorney and said he would help my family. Upon looking into the
attorneys background I found he served on the Manitoba Bar with an MPI
attorney,this is an extreme conflict of interest in the U.S. yet it seems to be
buisness as ususal in Manitoba. |
| | American's Death | August 31, 2010 11:40:08 PM | | Message to Serena,
It is not only the ceo, It is management at every level along with their
review office and their so-called fair practices! My children and I were
threatened by the board of directer's when your public trustee used their names
to seize the funds due to my husband being killed by a driver from your
province. We were told we had to turn over their birth certificates to your
trustee, sign a release for MPI to do so and if not the board of directer's
would release them to the trustee anyway. It does not end with MPI, I am know
in an 8 month investigation with your ombudsman as to wether my family had the
right to be provived an informed decision on the claim and he is now out of the
office again after a 2 week vacation he took a week ago. My family has endured
countless vacations from MPI case managers after my husbands death while they
were aware he was the sole provider for our family. When does the madness end?
This is as wrong as is what this driver for your city did to my husband and
childrens father! |
| | Serena | August 31, 2010 11:05:32 PM | | An outrageous company, with no morals, no understanding and zero class. To the
president and ceo, madam how do you sleep nights running such a corrupt
organization, you should be ashamed of yourself for letting this company
embarrass it's self for the 600th time, wake up - the people of manitoba are
not happy with your nonsense. |
| | Northerner | August 31, 2010 6:38:33 PM | | Thanks, but I was specifically wondering about scarring (surgical incision for
eg) incurred in repairing a bone broken in the accident versus skin torn open
in the accident and if MPI treated them the same. I can't seem to discern that
from their web site or the act. |
| | Adrian | August 30, 2010 8:36:03 PM | Northender,
The following link will give you the percentages that they cover for scarring.
The scarring amounts are actually not as bad as their mobility impairment rates.
Keep in mind that the percentages are calculated off the maximum entitlement of
approximately $120,000 (adjusted for consumer price index).
http://web2.gov.mb.ca/laws/regs/pdf/p215-041.94.pdf
As far as hospital expenses you can find the general coverage here:
http://www.mpi.mb.ca/english/claims/PIPP/BI_expenses overview.html
Or you can read their actual legislation here:
http://web2.gov.mb.ca/laws/regs/pdf/p215-041.94.pdf |
| | AMERICAN'S DEATH | August 26, 2010 10:57:05 PM | | Message to Norterner,
Do not trust any conversation you have with MPI!!!! Get everything in
writing, and that has still not been of any benefit to my family. This is a
corporation who does not understand professionalism or integrity. They are VERY
corrupt!!!! |
| | AMERICAN'S DEATH | August 26, 2010 10:49:57 PM | | Thank You!
I have proof of all of MPI's Bad Faith Practices and the atrosities of the
people who supposably hold them accountable. Thank you for being honorable and
accountable. My family has been through enough! |
| | Northerner | August 26, 2010 10:42:29 PM | First time dealing with MPI on a permanent injury claim and looking for help. I
have extensive scarring from surgeries after the accident to fix broken bones
(installing rods, etc.) as well as some scarring from direct tissue damage.
Does MPI cover the scarring caused by treatment and surgery for accident
injuries? I can't find this anywhere and don't trust a phone call to them.
Thanks! |
| | American's DEATH | August 26, 2010 10:36:59 PM | | Wake Up Canada,'
You have the POWER of the Vote to throw the BUMS OUT! My husband was killed
by a driver working for your city 28 months ago. Your insurance company and
your city police have tortured my family since this tradegy. Not only did did
both lead my family family to believe my Husband and children's Father was to
blame for his death, not knowing that I had obtained the actual eyewitness
statements myself. They then took my family before United States Courts to
release liability for your city driver and to state the actual cost of my
hanicapped daughters medical needs were considered in this claim. I was being
forced into signing this agreement in the U.S. without legal council! When I
did find legal council who agreed to review this for a sum of $5,000 in Canada
your public trustee seizied the funds and now states it is the guardian of my
children and MPI has said my hanicapped had no right to be informed they would
put her under your vulnernable persons act. Tis is an OUTRAGE! This driver who
ran into to my husband's back and his worksite was never charged yet my family
was being forced into signing a release of liability for him! Your insurace
company practices torture and intimadation, this is BAD FAITH INSURANCE! I have
been through their review dept,"so-called" fair practices, attorney general and
now an ongoing 8 month investigation with your ombudsman into MPI and WPS with
inspector Poole. The hiprocicy is beyond imagination. When does the torture
end! My family and 4 daughters have endured enough when your city driver
slammed into my Husband's and their Father's back with his semi truck!!! Your
lawyers are cowards and will not even return a phone call. You have the power
to throw these bums out!!!!! |
| | Adrian | August 26, 2010 7:30:19 PM | Taylor, I honestly can't tell if you're bashing MPI or praising them with your
mixed facts...
You said "You are quite right that MPI does not provide reimbursement for
personal injury -- in Manitoba. The reason for this is because in Manitoba we
have something called the Personal Injury Protection Plan (PIPP), which is an
unlimited source for reimbursement for bodily injury (including pain and suffering)"
In fact, you could not be further from the truth. PIPP is in no way unlimited,
and there is absolutely 0 reimbursement for pain and suffering. Believe me I've
dealt with MPI enough to know and have read the entire PIPP legislation.
Furthermore, the letter I received from the minister in charge of MPI (Andrew
Swan) last week reiterates specifically that PIPP is not unlimited and that I am
correct in stating that there is no compensation for pain and suffering. |
| | Taylor Reisdorf | August 26, 2010 10:43:04 AM | | Hi there,
Now I am not normally in the business of defending MPI, as it is normally easier for me to shrug my shoulders and say "unfortunately I don't make the rules" when dealing with an angry client, but in my experience as an Autopac insurance broker I feel that you are not being entirely fair to MPI. Specifically, your allegations regarding their injury compensation -- or lack thereof. You are quite right that MPI does not provide reimbursement for personal injury -- in Manitoba. The reason for this is because in Manitoba we have something called the Personal Injury Protection Plan (PIPP), which is an unlimited source for reimbursement for bodily injury (including pain and suffering). It's not just that MPI doesn't cover bodily injury in Manitoba; according to provincial law you simply cannot be sued for it. If you are insured with MPI you also carry your PIPP coverage around with you wherever you drive in North America. Therefore: MPI expressly having 'bodily injury' coverage would be redundant.
Outside of the province there are other safeguards in place. For example: other provinces and states in North America, like Manitoba, have minimum third party liability requirements (in Manitoba the amount is $200,000). If you are involved in a motor vehicle accident where someone else is injured, your third party liability will pay out for their hospital bills. This is why, as an insurance broker, whenever someone indicates that they travel out of province I always recommend they increase their third party liability to the maximum of $5 million, as claims involving pain and suffering can accumulate vast sums of reparations. Consider MPI's rental car insurance, which is ridiculously better (and cheaper) than anything you can get at the rental agency, with which are automatically given $5 million third party liability, as well, even if you're just driving around in Manitoba.
It is true that MPI has many failings. A perfect example is that they are currently automatically renewing driver's licenses without express consent. According to the 5-year renewal system your driver's license will be renewed for up to 5 years (depending on your photo due date), and they will automatically rate you each year , and that if you do not wish your driver's license to lapse (key word: lapse), you must pay by the normal renewal date for that year's driver's license fee. Sounds fine in principle, correct? Well, what happens if you are not planning on driving until some time after your renewal date -- perhaps you're on vacation for three weeks or in the hospital -- and you just want it to lapse? Well, MPI doesn't care. If you haven't paid by that renewal date, they don't lapse your license, they send you to collections. Imagine that just three hundred thousand people leave their licenses for even a few days (which is an extremely common sight). This allows MPI to charge interest up to maybe a dollar per person, or another $250,000-300,000 in the year that they get on top of all the premiums they charge. This is a matter I have personally taken up with the Better Business Bureau, and is a far more warranted cause than the allegation that MPI does not cover bodily injury.
-Taylor |
| | Dave H | August 17, 2010 2:11:08 PM | First I would like to wish you folks who have posted on here the best of luck in
your actions against MPI.
I lived in Manitoba only a short time and would not move back.
As an "outsider" I only saw a hint of the problems with MPI but suffice to say
until there is a change of government that will abolish This scam called MPI
people will suffer.
"No fault insurance" by itself is a joke......All insured Manitobans
collectively are paying for the bad driving habits and stupidity of the few.
Coming from Alberta I paid over 2 1/2 times the amount than what I had paid in
Alberta-As a driver with a top driving record and rating-"for the absolute
minimum coverage" with MPI.Private insurance may not be perfect but at least you
have certain rights and have the legal right to sue when you are injured.
In closing I want to pose a question here......" Doe's MPI pay a performance
bonus to it's staff based on the amount of money they save MPI when denying claims?"
Just food for thought folks
Take care |
| | Arthur | August 5, 2010 6:25:54 PM | | Sam, it is difficult to give specific suggestions without knowing all the
facts, but are you saying that someone employed by MPI actually forged your
signature, and as a result, MPI ceased your case? If this is the case (and it
shouldn't be too hard to prove) seems to me someone at MPI has committed
fraud. I doubt that this would be covered anywhere in MPI Act, but seems to me
this is a criminal case and should be reported to the police. |
| | none | August 5, 2010 1:59:11 PM | | @Arian. I somewhat understand your logic about the money part. I'm sure if you
got a lump sum of money you would use it for recoverey. But there are alot of
people who would use it for other things, not recoverey. So this is a way for
goverment to make sure that, that person recovers. I do believe that some
money/cash should be paid out to people that suffer major injuries as part of
the recovery process.Don't like using politics but the NDP are the one's that
put this system/law in place and they will not go back to the old system no
matter what. MPI is growing not shrinking. This is a law that you are fighting,
not a policy or a guidline. It's the law it's on the books. The only way to
change things is to lobby goverment. If the PC goverment gets into power next
time then that is your best hope, as they are not for goverment interferance.
But don't expect wide spread changes. Good luck Adrain. Hope you get someone to
listen. |
| | Adrian | August 4, 2010 9:50:52 PM | @none,
Thank you for your reply and I understand where you are coming from with your
comments.
But, being able to sue would accomplish the greatest thing of all to someone in
my situation. It would give me some belief that we live in a just world. It
would allow me to hold the person responsible for the accident accountable for
their actions rather then the tax-payers. Furthermore, it would allow me to hold
them accountable for the full extent of my suffering, rather then simply what
the government has decided is the Act that is in place, that cannot be disputed.
Even the lump that Il'd get out of suing itself, or a larger lump sum offered by
MPI may not be able to turn back the hands of time. However, this lump sum is
supposed to compensate me my permanent disability. It is supposed to compensate
me for what I cannot do for the rest of my life. To that end, the money paid
should be able to actually help me with my life. To ease my life and compensate
for what has happened in other ways. So if I can do the math and break down what
they are paying me to less then 30 cents a day, there is something wrong. Soon
enough, 30 cents won't even buy a gumball from a candy machine.. so tell me,
what is 30 cents a day supposed to help with.
As far as MADD goes, I am sorry to hear about that as I hadn't actually
considered that. Steven Fletcher however has been the most disappointing of all.
I am not saying my situation is as bad as his, but he is the one individual that
is in a position to understand my situation and know empathy rather then
sympathy. Yet I have sent the letter to his office once by hard copy and twice
by e-mail. 2 Months have passed and I have not received so much as an
acknowledgment of receipt from his office. When I read about his story I thought
he would be someone who could help as well. However, right now I am led to
believe that he is either the worlds busiest man or that he is in MPI's pocket
as well and only cares about his own case. |
| | sam taylor | August 3, 2010 1:09:51 AM | | hello to all here,
I am seeking some information. If you can help or if you know of where to find
this kind of information in the MPI act please comment on this post!!!
1. A case manager has signed my name to a document that was used to terminate
my case. Is there anything that can be done?
2. Can MPI case managers lied to clients? If so or if not does anyone know
where this would be found in the act?
3. How do you get a fair review of your case? or appeal? Please need to know?
Any help would be great. Any one know of a good MPI lawyer?
need the answers asap.
Thank you to all ahead of time. |
| | none | August 2, 2010 7:08:33 PM | | @Adrian. what happened to is terrible. but if we had private insurance and were
able to sue how would that make your life better. besides having a lump sum of
money. MADD won't do nothing for you as they receive funds from MPI & will not
speak against them. Stephen Fletcher has sued MPI on many occations and lost.
Maybe he himself can give you some help on how to fight them. The 5th Estate I
would think is your best bet if they pick up the story. The local media will
pick up the story for 1 day and don't follow anything up.
For everyone complaining about MPI stuff on here, the best thing you can do is
vote for PC in the next election. NDP created this. |
| | Tex | July 30, 2010 11:06:18 PM | | Maybe "found a rat" is the rat... |
| | Adrian | July 29, 2010 8:37:58 PM | "Found a rat"
Not sure if you're trying to say that what I posted was something posted by MPI
to try to gather more information on people that are trying to spread the word
but I assure you it is not and my comment is genuine.
Everything I posted is the truth and you are more then free to look me up on
Facebook (Adrian Halpert) and check out my notes for the full 4 page letter that
I sent out. I am genuinely looking for more organizations to contact and posted
what I did just as I posted the letter to my facebook because I personally don't
care who at MPI knows what I am sending and who I am sending it to.
I will write more letters and I will let more people know. And, if my voice is
still not heard, one day I will go door to door as well. I am a victim of our
current government's policy and the organization that they have put in charge of
our public policy and I believe that our voices need to be heard. |
| | found a rat | July 28, 2010 1:12:21 PM | | @Adrian. your comments appear to be a fishing expedition from MPI looking for
ways people use to battle MPI other than the media. MPI rep are we. |
| | John | July 28, 2010 8:24:14 AM | | Get a life. MPI is great. |
| | Adrian | July 20, 2010 7:14:19 PM | I was quite surprised (in a good way) to find this website.
My name is Adrian and I'm 24 years old. I'm an army reservist and have been for
7 years now as well as a recent university graduate. I used to live an active
life, playing sports and jogging on a regular basis. I also used to complete the
Battle Fitness Test (13km weighted march followed by a fireman carry) as part of
my employment.
In October 2008 I was driving my friends home as the designated driver, when a
drunk driver crossed the grass median and hit our car right on my door. The
extent of my injuries was a fractured pelvis, fractured femur, fractured
tailbone, fractured hip, collapsed lung, and a broken rib, along with the damage
from the glass shards that became embedded in the left side of my face.
After a year of physiotherapy and another year of athletic therapy I have
reached a plateau and am at the peak of my healing. I still have scars along the
left side of my face. I still have scars from the impact and surgery on my left
leg. I still have two metal rods in my left leg that will not be removed.
Although I have regained the ability to walk due to two years of hard work, I
will still not be able to run, play sports, complete the fitness test (which is
hindering my employment), or do many other things that were part of my everyday
life.
I am currently dealing with MPI's final disability compensation policy only to
find out how inadequate it really is.
- They will not approve massage therapy to deal with pain
- They will not compensate whatsoever for pain and suffering
- They will not compensate for the things that I cannot do as a result of my leg
beyond measuring what range of motion loss I have in my left leg
- When measuring range of motion, they will not compare the range of motion
against the good leg to compensate for individual flexibility and strength
- When dealing with my difficulty obtaining employment and possible future
medical release from my job they will only "Look at the jobs that I can still
do, not what jobs I can't do"
- If at any point I become mensurable by private insurance due to my leg
condition, they will not offer any compensation or alternative
- When considering my permanent disability they will not take my age into
account, the fact that I'm only 24 years old, did nothing wrong, and have to
deal with this decline in quality of life for the rest of my life
I recently wrote a 4 page letter about all these inequalities and sent it to the
Winnipeg Free Press, Winnipeg Sun, CBC, CTV, MADD, My member of parliament, the
Manitoba Premier, Steven Fletcher, MPI Minister, MPI Board of Directors and MPI
Executive. The response was rather disappointing and nearing non-existence. I
will continue to re-send the letter to the following people as well as add the
Prime Minister, more members of Cabinet, and the 5th Estate to my distribution
list. If anyone has any ideas of more people to send the letter to, or other
ways to see results, please let me know. |
| | Carlyn | July 17, 2010 10:02:23 AM | "Shuffle the file"
Dealing with MPI case manager (CM)re: bodily injury. CM denies coverage for
several things, will not discuss. "That is our decision. If you disagree, file
an application for review." I apply for review, and later call the CM to
discuss something else. Surprisingly, they're friendly and agreeable, and we're
having a relaxed conversation. After several minutes, they say that they can't
answer my question - they no longer have access to my file. It's been
transferred to ... I call them, and they say they're just a file babysitter
while the issue's under review. They can't make any decisions on treatment and
such. That still needs to be considered by a case manager.
So the whole conversation with the CM was a wasted effort, and none of it goes
into the file?
Review officer sends file back to original CM for reconsideration due to
additional medical information submitted, and I go back to him for a few
months. Decision comes back and is the same. Apply for another review. File is
transferred back to the babysitter of files. One day I get a letter from a CM I
don't know, stating that further visits with a practitioner are approved. I
assume they're my new CM, and try to call them... four times over two weeks.
None of the calls are returned. Finally call the general number to find out who
on earth is handling my file, and find out it's not the person I've been trying
to get hold of.
Why would MPI switch case/file managers so often? Seems like an attempt to
confuse, that would serve little purpose in the long run. Does this make any
sense? And why doesn't the person who sent the letter return phone calls?
Just another "argh!!!!" in the process. |
| | Carlyn | July 17, 2010 10:01:56 AM | "The significant decrease is largely attributable to a $78.2 million decrease
in bodily injury claims."
Because there were less accidents, or because they terminated and/or denied
coverage for legitimate claims?
"If approved by the PUB, policy holders can expect to receive a cheque in the
spring of 2011 of about $115 on average."
That will compensate for about two visits with a physiotherapist not funded by
the corporation.
In principle, it's great that MPI can generate a profit and give money back to
policy holders. In actuality, when one realizes the high human cost of getting
these rebates, not so great. |
| | Manitoba Public Insurance Corporation | July 16, 2010 8:39:26 AM | MPI reports strong first quarter
Read the full story
Post your comments here
http://www.winnipegfreepress.com/breakingnews/MPI-reports-positive-net-income-98450634.html |
| | Carlyn | July 7, 2010 7:34:25 AM | Becky,
Often we purchase insurance and don't realize what's covered and what's not,
until we end up in a situation where we NEED it and it's not there.
Please read your policies for MPI and private insurance carefully. Private
insurance often doesn't cover unless you're hospitalized. What if you have to
work reduced hours? What about payments to care providers not covered by MB
Health like chiro, physio? Braces, supports, ergonomic equipment, etc. that
will help you to return to work without complicating injuries or delaying
healing? Graduated return to work with supplementation for reduced income?
Ergonomics as_sessments?
These questions often don't occur to us until we're in a situation where we
need help, and find resources lacking. While MPI doesn't volunteer information
about coverage limits for injury and the above items, they do publish
information about the PIPP program, which is supposed to help us get back to
where we were pre-accident. All of the above MAY be covered through an MPI
claim, provided injury warrants it and there is medical documentation to show
that it is required.
As already stated by another, private or employer-paid insurance often won't
kick in when MPI or WCB are involved, at the very least until you've exhausted
all possible options with MPI and/or WCB. It becomes a battle to figure out who
pays, when the focus should be on getting better, not fighting for the ability
to get better.
MPI and WCB hope people will just give up, and they at times make it very
difficult to get help. "we don't have anything on file that supports that" "you
don't qualify" "based on the balance of probabilities, symptoms will resolve
without further treatment..." It becomes a nightmare to figure out who needs to
tell them what so that we can get the treatment we need. It's a waiting game,
and they're paid to delay us until we give up. We have to go to our paid jobs
if we're capable, and still find energy to fight for help so we can continue
healing. It's one way they attempt to weed out the serious from the abusers,
but it serves a secondary purpose of causing many who need the help to give up
because they can't find the mental, emotional, physical energy to continue the
battle.
As for how MPI 'saves money' on automobile claims, there is information about
that too on this blog - scroll down and look at past posts. The emphasis is on
physical injury of necessity. See, once you're injured and fighting the battle
with mightly MPI, the car becomes the least of your worries. You realise very
quickly that a car is replaceable. A life (or quality of life) is not! |
| | deadmeat | July 7, 2010 12:27:27 AM | | Dear Becky , you might be in for a surprise with your private insurance because
when MPIC is involved our WCB your private insurance may refuse to pay unless
you were injured at home! Make sure to find out or you might be the person on
this blog crying about not getting paid ! GOOD LUCK!!!!!!!!! |
| | Informative | July 6, 2010 11:35:31 PM | Anyone Have any information on the LSAB? (Licence Suspension Appeal Board)??????
Thanks in advance |
| | Becky M | July 5, 2010 10:34:02 AM | I found your site when searching for something else, and was interested to see
what our insurance system is lacking. However, your focus seems to be entirely
on the effect physical injuries have had on people, and their lack of income
resulting from this.
I'm baffled that MPI would pay ANYTHING towards this. They insure CARS.
Through my employer, I have purchased death and dismemberment, and short and
long-term disability insurance, for my entire family. I would never have even
thought that my car insurance should somehow compensate me for the physical
effects of a car accident.
If there is information on your website on how MPI is swindling people in
regards to their cars, then I'm interested.
Hoping this doesn't ruffle any feathers!
Thank you,
Becky |
| | Deadmeat | July 2, 2010 2:38:42 AM | | thank you carlyn |
| | Carlyn | June 25, 2010 7:46:09 AM | deadmeat,
There are several other resources besides MPI. Sometimes there is a wait, but
there is a way. Do not give up hope. It is powerful, and makes a significant
difference in recovery from soft tissue injury.
Have you gone to the public health/as sistance system? Disability/social a
ssistance $, community food banks, counselling/psychiatric as sistance through
MB health or a community resourse like Klinic or crisis lines (see the front
pages of the phone book). They may be able to point you to other resources.
Even if MPI delays decision or assistance, you do not have to sit and wait.
Fight for recovery, and for your family. Do exercises/home therapy you were
given, and do your best with what's available to you.
If you keep feeling desperate and despondent, check yourself into a hospital
until you get the psychological help you need. Pride is worthless in these
situations. |
| | deadmeat | June 24, 2010 12:43:45 AM | | Well it would seem that i have reached the end of my ability to continue
fighting MPIC!I am financially ,emotionally, crushed with no more options to
wait any longer for an appeal with the automobile commission after 6 years of
waiting! I am having a very hard time to see a purpose in waking up every
morning! I long for the life i once had and the feeling of self-worth! I am
ashamed of not being able to provide a stable environment for my wife and
children and the basics of live.[e.g food,hydro was cut off,not enough money to
pay bills]. Creditors about to garnish my our income to make things worse,
People this is reality when you are forced to deal with MPIC over your long
term injuries and their denial of responsibility! This is what MPIC hopes will
happen to its claimants so we will return to work instead of losing everything
you spent your life building for your family! I would like to now if there was
someone out their that can help individuals like myself,support groups,
financial help, i hate like $%!#* to be forced to wait another 6 months or more
for a hearing! |
| | Scott S | June 15, 2010 2:20:33 PM | Why does no one read their wording book from MPI? I'm not hear to say anything
bad cause I've seen and heard first hand how MPI & DVL handle complicated claims
or issues but the answer has been in the book for a few years now! You want
lawyers to have a chance against MPI but its legislated, until the government
stops backing MPI there's no use for lawyers to get involved.
I live in Alberta so I never needed to make a big deal about it but anyway here
we go:
-Manitoba Public Insurance was legislated into law in 1971.
-(page 6 of wording booklet) "The terms and conditions of Autopac coverage and
Manitoba Public Insurance responsibilities are law" every thing they say in this
wording booklet is what MPI considers law in Manitoba.
-(page 12 of wording booklet) under the "did you know?" section, "MPI is
committed to:Guaranteeing all Manitobans access to basic automobile insurance."
So has anyone on here had their vehicle insurance canceled or can not get their
insurance renewed due to the immobilizer program? MPI, by law, cannot deny any
Manitoba resident access to insurance for their vehicle, once MPI does that they
have broken the law. Once they do that people, I mean lawyers, can fight to have
legislation changed or thrown out.
Also, on MPI'S website, it states that MPI, as per the recommendations which led
to MPI being legislated, must commit 85 cents from every dollar it takes in to
paying claims and or benefits. This means that MPI's little argument over
whether the premiums collected from increased TPL or lower deductible's are not
public knowledge is a total load! Every penny MPI collects is a matter of public
interest and has to be released to the public! And MPI is a non for profit corp.
that relies on public monies to operate, that means any extra money not going
towards claims, benefits, or salaries must be returned to the policy holders.
The information people need to make changes to MPI or dissolve it are out there,
most of it on their own website! |
| | Val | June 14, 2010 11:00:31 PM | | Bob, unless you got money for an actual lawyer get help from the CAO. You can
trust the CAO and you can trust AICAC as well but if you represent yourself and
are incompetent or do a poor job you shouldn't expect the appeal commission to
help you out. |
| | bob | June 14, 2010 6:21:45 PM | | So guys i am currently appealling a decision from Mpi I need some advice should
I use the CLAIMANT ADVISORY OFF or not,are they going to drag my case out for
years.Are they trustworthy.Thanks for any advice or if you been there would
like to here how it went.Thanks people don't give up the fight. |
| | What will they do | June 12, 2010 11:37:57 AM | | What will they do.... Update
Thanks go out to Mac and snowed_in. For your thoughtful and insightful comments. Received confirmation
that claim will be honored even though my insurance had lapsed. MPI did in fact take over a
month to make a decision while they verified statements. A special thanks goes out to Common SENCE
Although my request was specifically for direction and any precedents a lecture certainly made me take
notice and had me thinking that I might LOOSE.... A lesser person might think of you as an $%!#* ...
but not me... That being said may I make a suggestion to you COMMON DENCE. The internet is an
awesome learning tool and provides great forums such as this blog. Try GOOGLING... Spell Checker.
It may add credibility to your statements.
Again thanks to the person(s) involved in providing this forum.
Regards,
What will they do |
| | DEADMEAT | June 8, 2010 3:28:03 PM | | Want to know how MPI will make sure to delay your hearing? Here is one
example,I filed for an application for review of injury claim decision Dated
June of 2004 and finally received a decision in May of 2010!!!!!!!!!!!!!!!
Apparently my applications were conveniently overlooked in the internal review
office FOR THE LAST SIX F-ING YEARS but they apologize for the late delay in
responding to my request for review! ''THATS IT'' THIS IS ALL I GET FOR WAITING
AND LOSING 6 YEARS! I know for a fact that L.NIXON has had my file on his/her
desk since Nov/Dec and i guess 6 six years or 6 months seems to be the magic
number despite years of requests for a answer from my claimant advisor,so that
we can move forward in my appeal at the automobile appeal commission! WHY are
we force to endure so much pain and misery at the hands of our own government!
I am beginning to think that the Sword WOULD BE MIGHTYER THAN THE PEN! |
| | MEDIA | June 2, 2010 9:20:54 AM | | i read some where we should go to the media !! I dont want to burst any
bubbles !! went to the daily graphic the winnipeg sun the winnipeg free
press.. two guys from daily graphic in portage show up at my house start
asking a bunch of questions taking pictures of my deformed right heel and my
good heel. i show them 100 lbs of paper work from this MVA. I have yet to see
a story on this . IF!!!! you ask me the media is very one sided on the mpic
thing. as for getting in touch with GOVERNMENT peoples good luck also all i
ever got back for a reply is ( sorry to hear about your misfortune cant help
you ) thats what happens when you ask the government to help you.BUT let them
find out you were stealing food to feed the kids theyll prosecute you with a
vengeance.then theyll blame it on poverty.No one will open thier eyes to look
at the big picture to see what makes a hard working person to take action in to
his own hands.They dont want to look at the fact that all was well or the fact
a person was holding his own not getting rich but holding his own. before he
went to MPIC..One person had said WE should get togeter for a sit in at the
ledg building how bout we all meet at mpic portage la prairie mb im sure if
we can stick togeter.. the Media wont be able to hide. it sure beats setting in
front of your computer thinking about it. |
| | steve timony | June 2, 2010 8:50:36 AM | | I would ask that you not show my real name and e-mail address please..i'm
looking for some information regarding sueing MPIC acting in bad faith.. was
hurt in 2003 spent a year and a half fighting mpic in courts. finaly winning.
i am presently getting iri for the last two years. however i still have to
date not recieved my permanent impairment check.i phoned mpic portage la
prairie.was told they havent even read my file. is it just me but they have my
file since2003. they have x rays from 2003. My x-rays show a gap in my right
heel which i got when i fell off a load of hay.then i went to physyo for 24
visits; i have been conditionally discharged for about a year. i have all my
papers from the first day i wrote a statement at mpic .just wondering how do i
get these people in to court. I really dont want a LAWYER been there done
that. they got most of everything last time. Can i myself go to court and have
MPIC brought forward to court on all this. |
| | curious | May 28, 2010 10:27:23 PM | James,
Thank you for the explanation. It is appreciated. The post about write-offs is
still on the blog, further back in time than I thought. Apologies for the
misunderstanding.
It's hard to know who to trust, isn't it? If I were an MPI adjuster, would I
have offered information to help claimants? If you do work for MPI, I certainly hope you would help your customers. Unfortunately, MPI is a monopoly protected by "the law" so the customer means nothing. It would be in your best interest to "screw" the customer so they don't "flag you" for paying out too much. Asked questions looking for
assistance/feedback as I have? In the end, you'll believe what you choose to
believe. And if you choose to delete my posts, it's your blog, and your choice.
If you want to take this conversation to private email, use the email address
associated with this post, which you obviously have access to. |
| | BOB | May 28, 2010 5:11:40 PM | | Way to go James.Who knows who works for MPIC or not.Then again who cares!As
long as you are not giving out your personal info on here say what you want
it's not going to make any difference in your fight with MPIC anyway. |
| | curious | May 28, 2010 8:03:49 AM | Obviously I pushed a button. I WAS just curious (and 'just me' too. :)).
Yes, some comments do disappear. We get requests from
people to remove their comments because they no longer want them visible
on the blog. We also get requests from people who don't want their email
address, phone number or name visible. There is no "edit" feature on
this blog so some people request to have their comments changed.
Spammers post thousands of comments full of links and email addresses to
this blog for various products (Viagra, Cialis, etc.), so by default, we
hide ALL posts even if they only have one link in them. Comments are
moderated when time permits, and if the post is not spam, it is
"flagged" as visible and shows up on the view blog page right away.
This very post will disappear in the near future. Why? Because search
engines crawl this site daily and to have them evaluate the comments in
this particular post will only help to lower our page rank. This post
has nothing to do with MPI so it needs to be moved to a FAQ page.
If you read the deleted posts and the ones that remain, you'll see that I have
never been malicious or deceptive... just trying to maintain a drop of
anonymity since MPI reads this blog, while sharing tips and looking for some
insight into the process.
Maybe the word "write-off" or a variant was not used, but the substance of the
post was how to get maximum value for a vehicle MPI decides not to fix.
I re-checked our entire database of deleted posts (going back to day 1 of this blog) and can say beyond a shadow of a doubt that there are no deleted post(s) dealing with "how to get maximum value for a vehicle MPI decides not to fix".
If this blog's intent is to help others, why do posts that irrationally slam
MPI without providing useful information remain, where posts with information
that could be useful to the average claimant are deleted? Thus the question
from my last post.
For a moment there, you sounded just like an MPI adjuster. Is that why you won't communicate with me via private email?
You don't want me here, fine, I leave. I think I've reached 'maximum
therapeutic value'.
And no, you won't get my real name. I don't share personal information publicly
online - no matter how good people state their intention to be.
Our intentions are clear: Winnipeg Free Press - November 2, 2008. It's your intentions I question.
James Rowe |
| | curious | May 27, 2010 6:55:33 PM | One was about how to get the most for a writeoff. Another asked about Victims
Against No Fault. Probably more, I just noticed those ones disappeared lately.
1. There are NO posts with the word "write", "write-off", "write off", "writ" or "off" in them that have been deleted since the creation of this blog (2007-07-23).
2. Why do you use different names (snowed_in, just me, curious) with the identical email address when you post? Is someone impersonating you? Stealing your identity? Let me know and I'll block their IP addresses PERMANENTLY.
3. When you signed in as "snowed-in-wpg@yahoo.ca" and as "123@yahoo.ca" you blew it. Yahoo doesn't allow email addresses with hyphens in them nor do they allow an email to start with anything except a letter.
Why should MPI Sucks display posts from people that give us FAKE email addresses?
You can send me an email from your REAL email address if you would like to discuss this matter further. My REAL name is James Rowe and My REAL email address is: james@jamesrowe.org |
| | Q | May 26, 2010 3:30:14 PM | | Curious, which ones didn't stay? |
| | curious | May 22, 2010 5:49:22 PM | | Why do some posts disappear from the blog, and others stay? |
| | Mac | May 20, 2010 6:16:18 PM | To: common "sence":
While you are correct about MPIC and in-house lawyers, you are incorrect
regarding "what will they do's" problem. He does (and did) possess a drivers
licence. It was current insurance that he lacked, and there is the possibility
(but only the possibility)that he can successfully demonstrate oversight, not
intent (to drive without insurance).
Mac |
| | common sence | May 14, 2010 12:32:53 PM | | hey,"what will they do" you talk tough about "lawyering up". The fact of the
matter is you where driving without a licence, so if MPI says NO then that's
that. A lawyer will take your case and your money then you'll loose. Why ?
CAUSE YOU HAD NO LICENCE. MPI is paying their lawyer's regarless so it's not
costing them anything. They use in house lawyers on their payroll they don't go
out and hire one for your case alone. |
| | snowed_in | May 10, 2010 12:39:29 PM | For "What will they do?":
Sometimes the adjuster won't commit to a position until it's officially
confirmed. I expect that they wouldn't want to appear too ready to make an
exception. I also expect that they would treat you reasonably, considering that
it was apparently an isolated incident.
Try not to stress about it until you know for sure. |
| | What will they do ? | May 9, 2010 1:04:47 PM | Mac
Thanks for your comments..... I was afraid of that.
I was not getting a good vibe from the adjuster. He deferred it for two weeks, While they make a decision.
My hope is that I do not have to go the lawyer route. I am prepared however to follow that course of
action. At this moment I am prepared to throw some money at this depending on where their estimate
comes in and if MPI has to lawyer up. I expect them to spend as much if not more than the value of the
claim. Mac I will keep you and the board apprised as to how this unfolds over the next few weeks.
Thanks again for your quick response to my query.
What will they do |
| | Mac | May 9, 2010 11:02:39 AM | to: What will they do ?
Unfortunately, the facts are (according to you) that you were driving a vehicle
without current insurance coverage, period. That said, you might be successful
in demonstrating that this was an unfortunate oversight with extremely bad
timing. My guess is that you could show that for thirty years straight, you've
never missed renewing your coverage, with this one exception (you did say that
you'd never missed before). You could initially make this representation to
MPI, and who knows, maybe they'll accept it. If they don't (likely with MPI),
then you'd probably need legal assistance who should know how and to whom to
make your next presentation (hopefully, to some org at arms length from MPI).
Good luck , and keep us posted. |
| | What will they do ? | May 8, 2010 11:01:12 PM | | So here's the deal. Hoping someone on the site can enlighten me. Got into an accident the other day.
No injuries,significant damage to both vehicles. Other driver has rightly claimed 100% responsibility for
causing the accident. Problem is I call in to report the accident. Due to an oversight insurance has lapsed
on my vehicle.When I am informed of this we immediately make payment. No BS...this is the first time in
30 years we were late. I go to see adjuster he informs me that now they will take it under advisement
whether or not they will repair my vehicle..... OUCH....Question for your followers.
How do I proceed ? What kind of recourse do I have if any ? Any precedents I can use on my behalf ?
Thanks in advance.....
What will they do....... |
| | Taylor | May 8, 2010 10:46:01 PM | | Sorry i ment March 22/2011 !!!!!!!!!!!!!!!!!!!!!! |
| | Taylor | May 8, 2010 10:45:24 PM | | Mac, I also recived a letter in the mail stating that my Drivers Licence and
right to insure a vehicle has been suspended untill March 22/2010.... I phoned
the call center and they couldnt tell me a thing, what the eff are they working
for MPIC if they cant answer a question regarding one of their
letters??????????????????? I say they just honestly couldn't give a F**K |
| | mac | May 7, 2010 12:54:36 PM | | mac to s.mac. you are coorect with your second post about holding out for
more$$. On your second post, if you don't want your car to be a right off then
hold out. State that mpi damaged your car further and you should not be held
ransom for something that mpi did, not you or someone else.Just complain in the
correct way. Don't get angry with them they will just make your life difficult.
Understand that things happen blah,blah,blah and you really want the car fixed
cause of......? |
| | snowed_in | May 6, 2010 3:59:42 PM | S.Mac:
Yours experience is shocking. The tow truck driver should have informed you
that the lug nuts needed to be retightened after driving a short distance
(before highway driving), and MPI should be accountable for the additional
damage that was caused while the vehicle was in their care. The silver lining
is that no one was seriously hurt in this incident.
Re: Car valuation for a write-off - valuable advice I was given from someone
who dealt with MPI numerous times regarding older vehicles they were not
willing to repair was to KNOW what it will cost to replace your vehicle. Find
and copy similar listings from MB and SK. Gather receipts for recent repairs.
Present them to your adjuster. Do not settle too quickly.
My car was nearly 17 years old, not in their blue or red book, and the adjuster
said that the maximum value was $1,500, regardless of low mileage or condition
of the vehicle. He 'generously' gave me a token amount on top of that due to
recent repairs. Comparable listings averaged well over $2,200 for vehicles in
worse shape or with higher mileage than mine.
I presented the comparison listings to my adjuster and was told that he had
already offered me the most he could. My only option was to go to arbitration.
I asked to speak to his supervisor, and was told that if I presented my
arbitration paperwork, he would have his supervisor review my "final offer"
before it went to arbitration. If he felt it was reasonable, they would cut me
a cheque.
I downgraged my valuation marginally from the average listing price to avoid
the hassle of going to arbitration, and presented my case with facts and
figures to back the number requested. I walked away with over $500 more than
the highest amount my adjuster said he could give me.
It pays to be informed. |
| | Michael Poe | May 6, 2010 3:21:20 PM | | Taylor,
You say,"the claim advisor for help they will fight for you for free and
honestly"
The Claimant Advisor Office (C.A.O) are paid by M.P.I.C!
Free and honestly!
No way!
F.I.P.P.A the C.A.O 2 asked where the their $$$ comes from.
Plus many ppl complaints are file aganisn't them.
1) 4 acting in bad faith.
2) iilegal recondings, fax, phone calls C.A.O hands over 2 M.P.I.C! |
| | Michael Poe | May 6, 2010 2:43:49 PM | | HEY EVERYONE!
'WE' need everyone 2 stand up 2 sue M.P.I.C 4 Acting In Bad Faith!!
If u hav the prove 2 which anyone one can read @ say YES, M.P.I.C is
breaking the law (as I do).
As I am one person (injuryed-M.V.A) I want and need more ppl 4 a class-
action-lawsuit.
If u do hav the paper work, recored phone calls, faxs to back you up then
tell me so we and I will reach out 2 help u and everyone else as well as I can!
Make no mistake M.P.I.C will HUNT u down 2 destory/ hurt u, your famliy,
your wife, husband, your partner and yes even your children!!!
M.P.I.C is rich with money, power, greed!!
You will be making the devil (M.P.I.C) come to rape you (of ur rights)
faster, harder then before.
EVERYONE ITS TIME TO SCREAM 'NO MORE'
I will check back for updates from 'you'
-MP |
| | S.Mac | May 5, 2010 4:38:18 PM | | Ok everyone, here is a doozie for ya! It all starts with supposed people who are licenced to do a job for
your safety! I had CAA change my flat tire, 20 days later it falls off while I'm driving at 100 km/h on the
highway. Of course it damaged my fender and wheel-well, and the rotor which it landed on. It also
caused major damage to another vehicle travelling in the opposite direction, luckily that guy wasn't
hurt! Eventually it gets towed to the MPI compound where it is to be estimated. In the process of
moving my vehicle around their compound they damage it further after the initial $1600 estimate! My
autobody guy told me he was shocked when the tow-truck driver showed up with a donut on the
vehicle that is not meant for it! THEY TOWED IT ALL THAT WAY ON A DONUT AND STRIPPED THE WHEEL
POSTS!! The driver said they were cleaning house in the compound and needed to move it around so
they just slapped on a donut!! Then some woman phones me that I have never talked to before and
says they are writing it off!! All this time I'm thinking that my vehicle is being fixed, but because MPI
damaged it further the body shop guy needed to try and find more parts and possibly send the vehicle
elsewhere for that work. MPI damaged the vehicle to the tune of $3400 on top of the already $1600,
and on the phone that woman couldn't even tell me what the other damage was, plus she gave a shpeil
about how sometimes they can't see all the damage initially! THE WHEEL POSTS and related parts are in
plain view without the tire there! And the battle begins!!! Because my counter offer to their paltry sum
is too much for them it's off to arbitration!! Anyone know a good lawyer to fight these crooks!! |
| | claudia | May 4, 2010 11:05:37 PM | | I believe that there's a previous post on this website, a couple of years ago,
that talked about Dr. MacKay. In my opinion Dr. MacKay is unethical. |
| | know first hand | May 4, 2010 2:44:04 PM | | MacKay is a slime. He will always lick the hand that feeds him and cow-tow to
the insurer which holds the umbrella that protects his pathetic rear-end. |
| | carmen | May 3, 2010 7:57:29 PM | | Has anybody had a positive decision from Dr. MacKay? |
| | mac | May 3, 2010 4:45:38 PM | | so why don't you call and find out why instead of bitching about it on here!
maybe there was a clerk error or something. poeple who work at goverment places
are people,people who make mistakes just like you. |
| | Taylor | May 2, 2010 2:32:44 PM | | I got a letter yesterday from MPIC saying my account is overdue by four hundred
dollars.... i have no i f**king dea why i owe them this i would say that
someone on mpi is on crack and needs to be checked out seriuosly! |
| | Little P | April 27, 2010 3:10:50 PM | | Deadmeat...everything you said I can relate to and it's so sad to think about
all the people like us that suffer. Worst of all is that I have little
children, a spinal cord injury and they still cut me off and ran me through the
system. I'm still fighting but like you said trying to keep the emotion out of
it cause the chronic pain does get worse. We need to keep fighting and continue
our battle so that one day things will change. |
| | mac | April 27, 2010 12:24:03 PM | | hey joe. to finish off, if MPI lost 10% they wouldn't even feel it. They make
so much money on investments and other ave.
If people writting on here really want to change the way things are done at MPI
then the only was is to put pressure on the goverment. I'll let you figue out
how to do that. So if no one wants to put in the effort to do this quit your
complaining and stop writting on here. |
| | mac | April 24, 2010 11:46:58 AM | | hey joe, the answer to your question is: the people of this provonce keep the
NDP in power which started MPI in the first place. What MPI want above all else
is control that's why they took over the driver's licences. They don't care
about nothing else but control. |
| | me too | April 22, 2010 7:51:45 PM | Interesting: I went to an MD who also acts as consultant for MPI, through my
MD's referral, not MPI. Took months to get appointment. Asked about TX
recommendations, and whether I should be back at physical job. MD said I will
know when I'm ready to go back, and it's not now. Pay attention to my body, do
what I'm capable of, and don't push it beyond that, but keep building.
Strengthen and stretch, and continue physio and acupuncture for trigger point
deactivation and mobility.
At follow up visit I asked if they would send MPI tx recommendations and what
was said about return to work, since MPI case mgr cut off $ for treatment and
IRI. Not willing. Danced around the question. Said if MPI requests info from
MD, it will be given, but won't give it at my request. When pressed to say
whether they would back me if I paid for the report as part of review process,
was told that it's not worth my $ or effort. MD could back me on subjective
complaints, could not provide the objective that MPI requires.
Recommendation changed to make do without the income, concentrate on doing what
I can to get better, especially the exercises (which I always do). Physio not
required indefinitely and acupuncture good, but MPI won't pay for it. Don't let
self become angry and bitter, because that makes the pain worse, and, can cause
more long-term pain.
Interesting how the attitude changed once MD knew I wanted them to make
positive recommendation to MPI. They know what side their bread is buttered on. |
| | just me | April 22, 2010 7:10:11 PM | Tired of fighting. I know they want me to give up. Been warned that is one of
their tactics. Used to think I had the strength to fight for what's right. At
what cost?
MD says getting all worked up causes more pain, and statistically people who
are angry & feel hard done by are more likely to end up with chronic pain. I
either need to give up and make the best I can out of the crumbs of my life
that are left, or find a way to pursue justice while taking the emotion out.
Is that even possible?
Such an unfair system. Such uncaring people. Maybe they're victims of the
system too, and have to turn their emotions off to be able to do their job each
day. Sigh.... |
| | joe | April 19, 2010 1:09:57 PM | | to comment on your legal problem i found a company called PER PIAD LEGAL THAT I
THINK IS VERY GOOD TO DEAL WITH THEY DON"T GIVE OUT LEGAL AID TYPE LAWYER THESE
ARE HIGH DOLLAR GOOD LEGAL BACKING THIER NUMBER HERE IS 1-204-947-6582 IF THEY
CAN'T HELP THEY WILL DIRECT YOU TO SOMEONE THAT CAN THANKS HAVE A GOOD DAY |
| | joe | April 19, 2010 12:58:03 PM | | please contact me as to why the people of manitoba won't band together and put
an end to this so call good deal for the people pretty sad that your insurace
is run by an out of province body example sask insurance [sgi] talk to your
broker to find out. IS there not a law on monopolies in canada and do we not
have fredom of choice in our live or commrad has this country gone straight to
hell. is it not illegal from one body to be in charge of both your drives
licence and your insurance look at bc icbc holds you insurance and another body
deals with your licence. we the people put them there so we the people should
be able to take them out of office thats if we all got our stuff together
[sh.t] why don't we all just boycot mpi totally and go else where for our
plates and insurance you only hold a valid address there and i think most of us
have family or friends in other provinces to help with that if mpi lost 10
present of its money they would hurt. this is what my family is about to do
figure out the loss in money if people did this and it totally legal have a
good day |
| | Deadmeat | April 15, 2010 12:43:33 AM | | It is becoming very clear to me that MPI and their NO-FAULT system is designed
to force a disabled victim to suffer needlessly while waiting for a appeal
hearing! Let's review the facts: an adjuster can make a decision regarding your
work capacity and simply send you a letter stating MPIC'S favorite quote " on
the balance of probabilities" i could work while taking slow release narcotics!
Oh and don't forget their second favorite quote" you have the right to appeal"
but what most of us don't realize is the years it will take till you can get a
hearing! I am going on my 7th year now and i still don't have a hearing date,
the reason for the delay i am told is that for an answer to one question will
take MPIC'S review lawyers 3 to 6 months to come up with a reply!I brought my
argument to the minister responsible for MPI and told him that although an
adjuster can make a decision on your capabilities and we have the right to
appeal,the duration of waiting years for the appeal process needs to be
addressed immediately!I told him that in all fairness if MPIC is so confident
about their adjusters decision that mpi should continue to provide the
claimants IRI benefits UNTIL THE HEARING IS HEARED! Perhaps then claimants
would only wait 1 or 2 years for an appeal instead of almost a decade!! |
| | Karen | April 11, 2010 1:23:43 AM | | Why don't autopac workers not get laid off yet their workers get paid for their big fat $%!#* to sit in their brand new office they built on main steet what a waste |
| | karen | April 10, 2010 10:02:17 PM | | Autopac sucks we need to get private insurance like we do with homes and we pay up our $%!#* so they can screw us yet there is no value in a car like a house they are $%!#* in cominist we should be able to get car insurance from anyone not just them so how is canada a free country it not they scewed my mom over big time she ended up in a physc ward since then I lost my mom for good and she totally can't work to top it off a schoolbus hit her from behind and now she is worse then ever they are still dicking her around and that bus driver had children in it little ones she can't even sew the school for it yet what kind of school bus with little childen drives into people |
| | taylor | March 31, 2010 8:20:47 PM | | please be advised that people and investigators from MPI pretend to be your
friend on sites like these to get more information on you. To take your words
and turn them around on you. Always be very careful of the kind of questions
anyone asks you. Also I hired a lawyer to help me fight MPI well I am now
getting ti from both ends! if you are at the appeal part go to the claim
advisor for help they will fight for you for free and honestly.
Amen for a light at the end of a tunnel.
you can find the number on the government of mb web site. |
| | taylor | March 31, 2010 8:13:46 PM | | Something that the specail investigation department tells you but is NOT TRUE
at ALL is that they have the same rights as a police officer. They do not have
the same rights!! They are just investigator who have to abide by the law
themselves yet, they tell you different. No matter what they say to you do not
believe them!!! Also you do not have to answer their question(s) as you have
the right not to incrimate yourself. These investigators try to bully/scare you
into dropping your case! They also lie to your face about the information they
have. Just remember your do not need to go alone to the meeting take a lawyer
or a claim advisor or even a friend with you. The investigator takes another
person in the room when you meet. |
| | taylor | March 31, 2010 8:06:43 PM | | did you also know that going through an internal review is pointless but you
must follow this protocal! Then when they ask you if you would like a hearing
you might as well skip it and go directly to the appeal process! Did you know
that you can get help from the claim advisor for free of charge! This claim
advisor is NOT APART OF MPI DISPITE WHAT ANY LAWYER TELLS YOU!!
Also pain is becoming a thing that they will compensate you for. It is in the
very very new stages but it is coming into effect dispite what any case manager
at MPI may tell you! Like I have said it is very new. Also you will not get
anything for suffering which is a load of garbage. I wish we could sue or get
rid of MPI all together as they are evil in my opinion. They take our money to
pay for insurance and when you need it they do not want to pay! Or they used
the money to try and prove you do not need it!! They even have doctors who are
paid to agree with them! In this world one persons pain and another persons
pain are not equal. Also what one person thinks it uis mild another may think
it is severe or may think it is nothing at all, but MPI thinks everyone was
made by a cookie cutter and we are all the same. |
| | jon | March 27, 2010 10:43:10 PM | | In response to immobilzer problems I ahve had the same problems with batteries
going dead, am not the first a couple of friends have the same. Plus a couple
days after i had the thing installed it started plus blew the ficm 4 batteries,
command start, and 4 alternators all in a year with no help from anyone they it
is not immobilizer thanks mpi. I even made a claim to mpi to no avail |
| | Landen | March 24, 2010 6:14:57 PM | | 7 years ago my truck was stolen, smashed and returened.MPI said I smashed it
and wouldnt cover me the $40000 the truck was worth. Is it to late to fight
with a lawyer?? |
| | Troy | March 18, 2010 8:41:10 PM | | Yes Sabrina...they are all lawyers that are employed/paid by MPI... |
| | Sabrina Sparks | March 18, 2010 3:20:53 PM | | Are all MPI Internal reveiw Officers Solicitor's/Attorney,s working with MPI's
legal/Internal Reveiw Department? |
| | Little P | March 15, 2010 3:46:58 PM | Chester,
Just so you know there are lawyers in Winnipeg that will take on a case against
MPI depending on the scenario but be advised that they too are in for the
payout and you will be in a battle of a lifetime either way.
The only beneficial thing I found about hiring our lawyers is that MPI is more
willing to hear us out. Without them it was virtually impossible to get our
point across. We know we'll be paying them big bucks at the end of this LONG
journey but we're just praying it is worth it all just to get some justice.
Not sure if lawyers work with us or against us most of the time.
Good Luck and gain a lot of strength because MPI truely loves to suck the life
out of you when you compete against them . |
| | Troy | March 13, 2010 7:46:08 PM | | I was injured in a MVA last summer, multiple vehicles involved..sustained a
fractured neck vertabrai. 2 herniated disc in my neck, concussion etc...MPI only
gave me the very basic 26 visits physio, but also chiro at the same time..the 26
visits which included acupuncture were used up quickly resulting in filing an
internal review...where I succeeded to cat 2 physio 42 visits.which I should of
had to start with...I did not realize the 42 physio visits include the 26 I
already had..so here I am again paying my own way...and now received this Level
of Function questionaire with questions that have already been answered by my
caregivers...my family Doc, Surgeon, Physiotherapist and Chiropractor..
The questionaire does not appear to be an official MPI document, no form
numbers/dates on the bottom...would it affect my IRI if I don't complete it? I
am able to get around but far from returning to my work place which can be very
physically taxing...all my care givers cannot believe the difficulties Iam
having with this MPI Monster! |
| | herb | March 9, 2010 3:32:45 PM | | bought the replacement car insurance. what a waste, sub compact and at the first
offer for the car the rental is done.. |
| | Chester | March 4, 2010 2:54:16 PM | | Wow...came across this site looking for other "victims" of the mighty MPIC...
I'm in the middle of appealing to the AICAC right now...I need a lawyer, are
there any in Wpg that know their way around the BS ??? Give me names please I'm
running out of time. Thanks all..awesome info on here |
| | Deadmeat | February 24, 2010 11:17:04 PM | | Neil I thank you for your story and experience you have had with MPIC! I would
like to speak to in person if possible? |
| | KAS | February 22, 2010 10:20:54 AM | | Has anybody on here been having problems with their immobilizer sucking the
life out of the car battery? My fatherinlaw is on his 3rd battery in 4 years
ever since this piece of $%!#* was installed - if the car is allowed to sit for
more than 2 days, the battery is dead - have taken it back to installer and
says nothing wrong with it; funny it started having this problem only after the
immobilizer was installed. Of course MPIC wont do a damn thing about it. |
| | snowed_in | February 22, 2010 9:28:30 AM | Neil: Great attitude! Forward motion and positive action/thought are essential.
Also being prepared to stand ground, including hiring an advocate or a good
lawyer when necessary (though it's hard to find the energy and $$$). Your
experience shows that this process can be a learning experience that toughens
and refines us, and helps us to see what's truly important in our lives.
Sometimes we have taken those things for granted, and see their value only when
looking back from a place of loss. Sad, isn't it?
not so sure: For a simple claim, where there is no loss of income and injuries
can heal in short time, the system seems to work relatively well, and case
management staff seem reasonable. For more complex claims that include time
missed from work and/or long-term injuries, the case management unit can be
harsh to deal with, and the legislation is skewed. A criminal dealing with the
justice system has more rights than a claimant dealing with this insurance
system. They're innocent until proven guilty. We're guilty until we prove our
own innocence/truthfulness. It takes energy to prove our case, and this is a
precious resource. One of their main ploys seems to be throwing a lot of curve
balls. If they can wear us down and make us give up, it's a financial win for
them, at whatever cost to us.
It is essential to have medical backing for any claims we make. Our word means
little or nothing to MPI. The medical community they are more likely to
recognize. Not always, but more often than us as individuals. |
| | DEADMEAT | February 22, 2010 12:23:26 AM | | not so sure,perhaps you are one out of thousands that was treated properly in
your MVA! but fortunately you are not long term disabled from your
injuries!!!!!! This is where MPIC flushes you down the toilet because you are
now a dependent of the system and you will cost them a pile of money that they
will deny responsibility for! Your life will be a living $%!#* while they try to
dismiss your claim! As for mpic acceptance that your MVA was not your fault i
and amazed because i just had another accident and mpic deem me 50% responsible
for it and i had to fight threaten them that i would put it on cjob and only
then they said i was not at fault!This is what happened in the last mva, i was
driving home on a provincial hwy and i was about to turn left on the road i
live on when all of a sudden a car came through the stop sign and hit me in the
left front fender of my car causing $3000.00 damage.The only problem is that
the car was traveling in reverse,yes i said in reverse!!!! She was traveling
backwards doing 20 clicks, when through a stop sign and onto a hwy then stuck
my car and I'm 50% responsible? I want some of the stuff these adjusters are
smoking and after this experience i know for sure that mpic is out of
control!!!!!!!!!!!!!! |
| | not so sure | February 21, 2010 10:29:24 AM | | i was just in an accident on thursday and i had an older vehicle so its an
automatic write off... anyways, the adjuster and everyone i've talked to from
MPI has said its the other persons fault and i have gotten the courtesy vehicle
even though My insurance didnt cover it but the other parties insurance did so
they gave me what is called loss of vehicle benefit, also i was a bit injured
so they are helping me with the costs of physiotherapy and any medications i
need. im just wondering why people are thinking mpi is so bad? |
| | ripped off | February 20, 2010 9:15:50 AM | | hi neil, how do we get ahold of u, would like to speak with u on my claim thx. |
| | pen15 | February 15, 2010 1:00:40 PM | | Hello to all the nice Manitobans! Just lookin for some rule books on what we
can and cannot blog about? Are we allowed to reveal names of previous MPI
adjusters! and their behaviours, mannerisms, etc.etc! cuz my kind of heads up
will help someone along the way! |
| | pen15 | February 15, 2010 12:56:32 PM | | Lets talk about another breach of trust! Upon my release from incarceration,
usually followed up by a probation official. This dudes name Jim Malenchak.
Well Jim, you did me no fruken favors you imbecill! Following my meeting to
whom I thought would be pointing me in the right direction! I had specified
some interest in retaining my drivers abstract, which is something I assumed
was available in one location. It was in my best interest to follow my no
contact orders with the MPI employees. In his opinion, he could not see why
that was not attainable..All apeared to be okay, had renewed my license and
soon would follow my query into my drivers abstract. Which the gentleman
working that day did not know how to oblige my request..Then the woman who knew
how to do this, told both me and my mother to leave...and that we were
breaching! Dont know how many transactions all you folks have done but once you
take the money, the balance of the transaction should follow! You suck Jim!! |
| | pen15 | February 15, 2010 12:21:19 PM | | Some of MPIC's dirtyest secrets will not be found here! Unfortunately, they
are in a place where joe blow public does not have access to. Like court
transcripts,police reports, and numerous other areas of "govrnment"interest! To
me this makes no rational sense. From what we are made to believe is that MPIC
is a co-operation, yet previous to that title is Manitoba Public. Seems to be a
wee bit contradictory! We, as the public have a right to know..Yet, despite the
title...we are told MPI business is that of their own. Now, I have spent more
time in a court room than I would ever admit to, and yes behind closed
doors,with few members of my family and of couse people of MPI.Thought it would
be safe to assume that the judge was the most honest one in attendance,but
after several moments after, I was the most honest. She was a younger woman to
be held in a higher regard and integrity! Her name Judge Jean McBride!
Essentially she holds the key to the community and yes all the cell blocks.
Because there was a criminal involvement in my appearance, I suppose almost
anything can be said with limited conversation on my behalf. Very frustrating
that they can use any means they want to paint the picture.Remember we are
dealing with another Manitoba joke, the justice system! So, in the courtroom I
sit, and to my further dismay...The prosecuter had said that I had developed
this web site. Wasnt allowed to dispute that because now they were telling me
what I had done..They said I planted an incinderary device, what was I gonna
say? It was a jug of water! Which it was! And after my arrest, I was put in a
very dirty place..Okay, so let it be! To later find out after they took my
shoes,the wet mass on the floor was someone elses urine and blood. I have yet
to explain how I let the antics of MPI, pushed someone of my nature thus far.
Not sure if its in the best interest of Manitobans that I do that! But it is! I
would encourage anyone who has interest in this to contribute in some regard! |
| | Neil | February 5, 2010 2:30:29 PM | | i also was involved in a mva in 2005. they dragged me and my family through
court for two year. when i was found not guilty. all of a sudden i found that
mpi treited me totally differant. get a laywer and fight back. cause if you
dont you will get screwed over like so many people i have talked to that have
been in mva's. stay possitive and keep fighting. take it from someone how has
been through it. my family needed me more the ever and you can't give up. i'm
in pain every day and i went off the pain killers and took the pain it reminds
me i'm still alive and i will rest when i die. until then i turned my pain and
anger into a possitive and i'm fighting back 5 years later i have gone and
retrained for a new carreer and i've been back at work for 9 months now. its
been one of the hardest things i've ever been through, but im a stronger person
for it today. start by focusing on being thankful for being alive. and go from
there. find yourself a support group, we might be men, but we need help to once
and awhile. i know i did. if you ever need to talk send me an email. I KNOW MY
LIFE HAS CHANGED BUT I'M GOING TO MAKE SURE ITS FOR THE BETTER. I KNOW WHAT
CREDITERS ARE TO, BELIEVE ME THEY CAN BE RELENTLESS. MY BODY WILL NEVER BE THE
SAME,I'VE COME TO HANDLE THE PAIN, I'VE EVEN BEEN THROUGH A DIVORCE BECAUSE OF
IT. BUT I NEED TO BE STRONGGER SO MY CHILDREN CAN BE HAPPY AND THEY ARE NOW. |
| | Deadmeat | February 3, 2010 2:09:00 AM | | I have know realized that the true victims of my mva are the people I care
about most, my wife and my children!It was so easy for me to mask my physical
pain with narcotics and hide from the emotions of excepting my disability!My
wife and children lost their husband and father in that accident 10 years ago
because I became a different person altogether! I became consumed with hate and
sorrow and I was not equipped mentally to deal with the turmoil that ensued
after my mva! I found a letter that my son wrote for a school project when he
was 8 years old and he outlined all the injustices his father suffered at the
hands of mpic and more importantly his pain of the loss of the father he once
admired instead of the drug induced father he now has to see! I did not realize
the information a young mind could absorb while I coped with my disability and
voiced my dissatisfaction with mpic!He is now 16 and the turmoil is still
present every day as bill collectors phone repeatedly and that we are forced to
sell our family home! There is no way to express the injuries we have suffered
by MPIC! Why do we have to continue to suffer while MPI boast a THIRTY MILLION
DOLLAR PROFIT! I paid for an insurance to cover my losses in a mva and I
expected to be treated with some dignity and respect! I was told that on the
balance probabilities,I could return to work while taking slow release
narcotics! I called the drivers licensing and they told me that if i was
involved in another accident while taking narcotics I would be charged for all
costs since I was driving while impaired! Can somebody tell me how they are
allowed to do this as a reason to terminate my benefits! And i would like to
know why it takes over six years to get an appeal date?I would like for this
nightmare to end for the sake of my family! |
| | Needing Help | February 2, 2010 5:14:08 PM | Hi, my friend was riding his bike down a back lane about 5 years ago, when a
cabbie hit him, and he went through the windshield. He then developed a mental
illness and other injuries from the accident.
MPIC then send him a bill for something like $4,000.
He has been on social assistance since then, and has no way of paying it back.
Now that he's getting back on his feet he would love to be able to drive again
(which is necessary for his line of work that he choose to get back into), but
can in no way afford the $4,000.
How can i help him fight MPIC about the money "they" think he owes?
Also, since it's been 5 years, and they didn't follow up on the claim, is he
automatically not having to pay this amount (I don't even think he was at
fault)? Some lawyer in the city said that if they don't sue him within two
years, he's no longer liable. But is there any validity to this?
Or can i get a lowered amount (settlement), and pay it for him to settle the claim?
Any help is greatly appreciated. :) |
| | jon | January 28, 2010 4:29:31 PM | | little P & micheal, watch out for lawyers too, they get pressured not to work
to hard for u, u have to fax them ur questions or record ur conversation with
them, so when they dont do their job, u can try to take them to court. but in
manitoba its like trying to sue a doctor, even when u ask another lawyer. they
all stand up for each other. thats the golden rule. have 1 too, so as soon as I
get it settled, I am going to post their name, so folks like u dont use them.
also watch out on here for the nay sayers, MPI plants. and sorry for the guy
that hung hem self, but if it was me I would have taken a few with me, that
would get their attention. Ledge is the only place where anything is going to
work, unless their is a big class action law suit. so people stop whinning here
and lets set a date. PS election this year so heres ur chance or shut up. |
| | Michael Pain | January 28, 2010 5:59:07 AM | | Hey,
No $$ 4 a lawyer.
Howver will have once enough MPIC Victums SAY NO, SAAY STOP raping my me
of my rights!
$$$ doesnt make U GODS.
Thanks 4 hearing & taking 2 m3.
-MP |
| | Michael Pain | January 28, 2010 5:54:03 AM | | Hey,
That really sucks Bob.
From the Little P- Yes I KNOW that MPIC are following/saving blogs, web
sites too.
I lived with man who hang himself as the results of MPIC Tactical Warfare
methods; b/c MPIC can and will fu@#$you up.
I tested MPIC with what I type 4 years ago on a blog and MPIC fall for it;
which was to write down AICAC appeals names, call them to start a class action
aganist MPIC! - For Acting In Bad Faith.
However it's what MPIC did with my trap; MPIC told AICAC to change the
records to remove appeals FULL NAMES and replaced it with appeals frist and
last letter of their names!
That was a shocker for us to KNOW MPIC rules over AICAC which means the
next appeal is with the Court Of Appeals - Queens Banch. B/c AICAC is MPIC
little Bitch. Like Peter Myles.
The class action is stilling slow going b/c MPIC is evrywhere and its hard
to add MPIC victums b/c we need to see/get/have proof of Acts Of Bad Faith.
I looking for a Networking for this.
Relax :-)
Thats what she tells me.
She will never ever know that to 'relax' is for my body to be sleeping or
dead. I know both woudn't work (well dead i don't). |
| | Little P | January 27, 2010 9:30:20 AM | I'm just writing to let you all know that there are lawyers out there that are
willing to help you with appeals. I have hired one myself and am fighting MPI
right now. It does take a long time and the process is still a horrible
experience but at least it gives me and my family some kind of comfort to know
we don't have to deal one on one with the devil's of MPI and have them try to
push you into decisions that are not right for you. It is however true that
MPI loves to drag things out. Like someone said, just waiting for you to give
up and die. It is cheaper for them. When are we rallying at the Leg??? Me
and my family are so in!!! Good luck to all of you who are fighting this nasty
corporation.
As for those who make posts about their veh and so forth...if only that was
half of the injured problems. Sorry to say but screw your car/veh, at least
you have your arms, legs, and no chronic pain for life. |
| | Bob | January 23, 2010 6:32:18 AM | | Hey MICHAEL
Just spent 12 hours in emergency due to head and neck problems from mva 4
years ago.But apparently can go back to work ( probably get fired a couple days
later not the fact that i wont have insurance coverage due to previous injuries
but all that doesn't even matterto them)I'm just trying to renew my mortgage
forget insurance there.Take care you know big brother reads these hey. |
| | Michael Pain | January 21, 2010 7:56:28 AM | | Hey Everyone,
At 27 years old my life-career was going great; Automotive Apprentice, wife,
beautiful baby girl of 8 years old.
I thought my ex-wife was mean- OH no, it's MPIC thats the devil.
MVA in 2001, I suffer Chronic Back Pain to which it is every day as it as been
for me the last 8 years and counting.
Now I'm 35 years old, have taken-been on-tried out over 26,000 pills! I have
had over 1 thousands (1,000) needles in my neck, upper-mid-lower back!
MPIC records EVERONE who was-had meeting(s) at City Place!
MPIC keeps my files that shows what they have lied to me about and what would
hurt them too.This way MPIC knows word for word what 'your story is'. These
recordings will be used against you.
MPIC rules over AICAC.
The CAO is a joke (MPIC pays their wages)!
My appeal at AIACA is STILL going (4 years now I think).
YES, I do know I, WE, YOU, US.... Will NEVER get $$$ 4 pain and suffernering!
For me It's how much I'm I willing to live with; do I or don't I do everthing I
can do for which MPIC pays me that which is right-fair-honest.
YEA.
Yea I know; words like fair, right, means MPIC is going to sent 10,000$$ to get
out of paying out 5,000.
I'll check here in a day or two (which I'll be in bed) to read what if anyone
post a post to my post :-)
Goodnight and take care of yourself!
Michael Pain |
| | bob | January 19, 2010 12:27:26 PM | | Right on guys Rob doesn't have a clue if he thinks anybody is getting rich from
mpi.I alsohave pain all the time and dealing with anxiety when driving and
depression but i guess i got lucky they are covering psychological
problems.People who haven't had to beal with mpi when in a serious accident are
in for one big ugly surprise from a company set up to help us,they will be
totally dicusted with the treatment they get. |
| | Deadmeat | January 18, 2010 12:18:28 AM | | Thank you Johnston for the compassion expressed in your comments to Rob's
delusional understanding of how MPIC really functions! I assure you Rob that I
don't wake up in the morning considering myself fortunate or that i have won
the lottery! Instead I dread waking up only to realize that I did not perish in
my sleep and I am again forced to deal with another day of pain and misery! Do
you know what it is like to owe every member of your family thousands of
dollars while anticipating the next call they receive from me is only to ask
for more money to pay bills and keep a roof over our heads! Does your 16 year
old son give you every penny he has earned to help you feed your family? Does
your wife and children leave you in the morning wondering that when they return
home they might find their father hanging in the garage since MPI Doesn't
relate my depression to the accident and refuses to fund psychological
intervention! MPI has taken my ability to provide the basics for my family and
my sanity! Rob the next time you some idiot plows up the rear-end of your car
and MPIC deals with your claim for compensation, i am sure you will reconsider
your feelings of being so fortunate while dealing with MPIC! The only one
getting rich under the no-fault system is MPI and the Ajusters
collecting "Lottery sized paychecks and bonuses" by denying basics to the
claimant! So Rob,come live the ''Dream life'' that the "cash cow" has left me
and thousands of other claimants,you will get the feeling of being REAR-ENDED
AGAIN & AGAIN & AGAIN! |
| | Johnston | January 15, 2010 5:40:59 PM | Rob, it is clear from your comments that you haven't been injured under MPI nor
have you perused The MPIC Act.
What most people want and expect from MPI is a little fairness. What they
don't expect is to lose their homes because they no longer can afford mortgage
payments due to inadequate Income Replacement from MPI. They don't expect to
have to pay for their own treatments or medications resulting from the accident
because MPI has unilaterally denied these expenses for some self-serving
reason, and they don't expect to retire in near-poverty because MPI saves money
by reducing their Retirement Income Benefit, dollar for dollar because the
injured might collect CPP and/or RRSP monies (which they paid for, by the
way).
And Rob, you needn't worry about injured Manitobans gouging MPI for fake pain
and suffering claims, because MPI did away with P&S in the 1990s. It doesn't
matter if your skin was burned off, you get zilch for P&S. |
| | Rob | January 5, 2010 1:21:07 PM | | It looks like some of you are looking for a "cash cow" after an accident. Pain
& suffering...comes with life but if you are fortunate enough to have it
covered by some insurance you may have just won the lottery.
I have heard of much "abuse" of this insurance which drives up the priemium.
I was a "benefactor" of the old unsatified judgement fund after a near fatal
crash in which I was a passenger. Under the existing policies I would feel
quite fortunate.
MPIC is not without faults but come on lets keep it realistic and credible. |
| | from Martin | January 3, 2010 1:40:47 PM | Lost and Confused:
I moved from Manitoba to Alberta four years ago, and it did not really affect
IRI directly. I suppose one negative effect might be that cost-of-living is
higher in Alberta, therefore your IRI (Manitoba based) will have less
purchasing power in Alberta.
Truth is though, there are other things which can negatively affect your IRI
(wherever you are living)and there is nothing you can do about it. For
example, if the cost of living increases less than the wage(corresponding to
your "Determined" income) increases , your IRI will be reduced. Theoretically,
over time, IRI could be overwhelmed by determined salary increases and
eventually be reduced to zero. But this would take many iterations. |
| | Lost and Confused | December 31, 2009 12:37:32 AM | Hi snowed_in
I haven't checked the legislation though I will be doing so...also, I'm sure my
lawyer will have the answer.
With regard to your comment about your case manager twisting words, etc., I
have the solution is NOT to deal with my case managers by telephone. Under the
advice of my lawyer, it's not necessary if I send what I need to communicate
via email. That way there's definitely a paper trail and you can re-write or
edit as many times as needed prior to sending. Part of my struggle after
several MVA's over the last few yrs is major cognitive issues (loss of
concentration and serious memory impairment, etc), so I choose to deal with MPI
via email and/or Canada Post. If your case manager tells you that you can't
communicate with him/her by email, that is entirely not true. I refuse to have
my words and thoughts twisted when I myself at the best of times have trouble
putting my own thoughts into words and then speak them. I deal with severe
mental and physical fatigue and such, so it generally takes me much longer to
get out in words what I'm thinking or trying to say...at least with email I am
not rushed or pressured, in turn allowing for much less stress and anxiety. My
lawyer also recommended that I have someone I trust, whom is also strong in
verbal and written skills, to help me with letters/emails prior to sending; it
ensures that the case manager will be receiving an email that not only makes
sense but also gives accurate information so as to avoid the
potential "twisting" of one's words. Hopefully this information helps.
The only time I deal with MPI via telephone is when it comes to the
smaller "stuff", and even then I don't always pick up the phone as I'm often
much too fatigued to even perform the task of picking up the receiver, holding
it to my ear, and (again) trying to organize my thoughts in order to put
the "right" words together so they're clear and concise when speaking to my
case manager. It's huge effort and often stressful simply because it has to do
with MPI...and only because they clearly don't believe my claims or my doctors
claims either, or they wouldn't have had me followed several times over the
last 2 yrs. It's sad, frustrating and upsetting...but I try my best not to
dwell on what they "think". Only those in our lives that are close to us know
the truth of our pain, suffering and limitations, as well as our team of
doctors, and that is what counts in the end. Never lose hope, faith and
belief...I refuse to give up or quit. We all have a fight that's worth
fighting at some point in our lives, and for me, THIS is it.
Stay strong!! |
| | snowed_in | December 30, 2009 8:24:03 PM | Hi Lost and Confused:
IRI is Income Replacement Indemnity - the wage replacement portion of PIPP,
MPI's Personal Injury Protection Plan. PIPP includes, but is not limited to,
IRI.
Thanks for the feedback on case managers. Mine's a 'treat' (not in a good way).
I have to stop being so naive, since they always seem to twist my words to suit
their slant at the time, and hit me upside the head with a line of twisted
logic I hadn't considered, which is another powerful argument for tape
recording as much as possible and putting it all in writing. :o(
Sorry, I don't know what they can do in terms of preventing you from leaving
the province. Layperson's guess would be that they can't force you to stay, but
it's possible it may affect your IRI payments - they have unusual powers that
make no sense. Have you checked the legislation? |
| | Lost and Confused | December 30, 2009 8:02:25 AM | Hi there snowed_in
I've been receiving IRI (is that not the same as PIPP?) for 2+ yrs and have at
least a 1/2 dozen different case managers. I've only had real issue with one
of them, who's actually had me followed several times as well, and requested at
some point that I be given a new case manager. I spoke directly to the
person's supervisor and sent an email to them as well, but no success. There
was definitely cause to request a new case manager and my lawyer agreed, but it
got me no where. All the supervisor did was make excuses for the individual,
but did promise that I could contact her directly should any further issue(s)
arise. Interestingly enough, after the discussion with the case manager's
supervisor, there were no further issues (nothing significant enough anyway).
So I suppose to that degree (and on a positive note), speaking with your case
manager's super. can be worth the effort.......but don't count on your request
for a new case manager to be granted.
All the best.....and here's hoping 2010 is a better for all! |
| | Lost and confused | December 30, 2009 7:43:51 AM | | Hi all,
I have a question about PIPP. I am currently receiving PIPP from MPI and have
been for the last 2+ yrs. Prior to that, I was involved with someone who had
moved back home to Calgary, but have kept in touch and still see one another
from time to time. That said, I am now considering leaving Winnipeg to
relocate to Calgary and wonder how that decision may effect my PIPP
entitlements? Can MPI make a person stay in Manitoba who's receiving PIPP? I
believe I would do better in Calgary as they don't have the harsh winter
weather as often as Manitoba does...not to mention, the love of my life lives
in Calgary. Please tell me MPI does not have the power and control to force me
to stay living in a province alone, and in more pain than necessary due to our
harsh prairie weather conditions?! :S |
| | snowed_in | December 24, 2009 8:10:39 PM | That being said, there are some areas where I've found MPI's
regulations/decisions to make no sense, where the only solution may be
legislative changes:
- MPI allows massage and acupuncture only through certain providers (physio,
chiro, MD...), none of whom have received the specialized training of an RMT or
Chinese Acupuncturist, which are not covered by MPI. (Note: acupuncture by
Chinese acupuncturist is now allowed with a doctor's specific referral, up to
10 visits at acute phase, but this is not published.)
- If MPI's assessment shows we can do SOME lifting, twisting, bending, they say
we can return 100% to a very physical job, and there's no further funding for
IRI. Completely ignoring how myofascial pain syndrome works... just because we
can do it 3 times doesn't mean we can do it for 8 hours, and repeat the next
day. This also doesn't take into account the debilitating pain the day after
that lasts several days. Pain doesn't matter to MPI – as long as you're
physically able to do the tasks, even if only once or twice.
- Similar for assistance at home: If you can vacuum/sweep, cut, wash, shovel,
etc. for 1 minute, that's enough - they don't care how long it takes you to
make a meal or clean your home, or that there is no one else to do the work for
you. You have to be VERY limited in abilities to get any personal care
assistance... and as others have said, it's very specific what they will allow
you to have help with, for how much time each week, and they reassess you
monthly, and cut you off as soon as you drop below the 9-point minimum.
No, it's not fair. Sad, but true. Is there an end in sight? I wish I could say
yes, but as long as MPI has a monopoly on auto insurance/injury, and are
government-backed and legislated, there's no end in sight. Sorry, guys. We're
in the same boat... hopefully we can help each other along, and share any
positive bits of our experience.
After many months of fighting the system, and fighting for my well-being, I've
learned a few things. Here's one that took a while to compute: The only thing
that getting spitting mad at my case manager/MPI does is cause me more pain -
because there's an emotional connection between anger and pain. Try deep
breathing and relaxation techniques. And don't stop fighting, but do it smartly!
Positive note: I've spoken to a few colleagues who have had reasonably good
case managers. There are a few gems, and if yours in one of them, and you
occasionally get a negative decision, realize that sometimes even the best of
them are limited by the system.
I could never do their job - I'm too compassionate.
-----------------------
My question for those of you who've been there, done that: Can a person
successfully request a new case worker? Is there any benefit? |
| | snowed_in | December 24, 2009 8:09:26 PM | Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed
examples, and be as rational and calm as possible.
- If you don't know an answer, don't guess.
I'm far from winning, and I acknowledge that the system is skewed toward saving
the corporation money, and making us bear the cost of product or service
outside of their limited 'medically necessary' scope.
REMEMBER: You can ask your case manager to reconsider a decision if you have
more information. You can apply for an internal review of decisions once you
receive the case manager's decision letter.
File your Request for Review application as quickly as possible after getting
the decision letter, ABSOLUTELY BEFORE THE DEADLINE, even if you've asked your
case manager to reconsider - you can withdraw the request for review if you get
satisfactory resolution, but you cannot apply for a review after the deadline.
It can take a long time to get an appointment for a review hearing, so start
the process early.
Get as much medical support for the review as you can - the medical community's
word means more than ours. Use objective, factual statements to support your
case, not emotion.
Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed |
| | Doll | December 3, 2009 10:08:36 AM | | So I have a question/comment here. MPI's Special Investigation Unit have my
clain for almost 3 months now and have asked me to do the Polygraph because
they don't beleive me. Now, my car was burned and it's a totall loss.
I'm now still waiting on this stupid $%!#* and I was wondering about that
polygraph thing. They say that they won't pay my claim unless I do it. Can
they realy decide not to pay my claim because I don't wana do the polygraph?
What should I do? |
| | Deadmeat | December 2, 2009 3:17:44 PM | | Well, congratulations MPIC NO PAY INSURANCE for forcing the sale of our 23 year
home!'' MPIC IS SRCOOGE APROVED'' I am sad to say that soon most of you will be
in the same boat! HOW AM I suppose to keep up with the bills/mortgage payments
after waiting 6 years[and counting]for an appeal.Clearly having my income
reduced from $3400. a month to $400. while im supposed to go to work on
NARCOTICS AND THEN FUTHER REDUCE MY INCOME because CPP Disability found me
total disabled and unable to work ''UPSETS THEM ''Now since MPIC is already
taking cpp deductions from my Determined employment they have further reduced
my IRI [400.00] TO 300.OO while they recover the total CCP LUMP-SUM PAYMENT i
received before i had even payed taxes on that money to which they are not
entitled to a penny of it in the first place!''ONE MIGHT CALL THIS DOUBLE
DIPPING'' lets face it since i became total disabled after my 1998 mva at age
36,MPIC has ensured that my life is $%!#* and is so desperate not to pay, since
i am long term disabled and considering i am 46yrs old now they would have to
pay a long time. MPIC would rather insure that MY family loses everything while
forcing me to go through their appeal process that takes years and years before
you can prove that their AJUSTERS DECITION WAS UNFOUNDED! GREAT SYSTEM FOR THEM
NOT US! No Merry Christmas for Us ! |
| | joe | November 23, 2009 12:29:54 PM | | Its really bad trying to deal with such a communist organization like MPIC in a
free society,so where is the compitition for MPI??I'm sure this will get
deleted but thats ok. |
| | Lost in Forums | November 10, 2009 10:15:15 AM | Lisa have you seen this movie: Living With Fibromyalgia: A Journey of Hope and
Understanding. I wonder if it gives options on how to deal with the condition.
MPI is rather tricky when it comes to whiplash and pain. They Don't like to
cover either one.
Fibromyalgia has no cure and can only we managed slightly with various
medications, exercise, acupuncture and massage.
Obviously you can't complain about pain to MPI because they don't care, but you
can request acupuncture. If you have MRI's, X-rays, and statements from your
doctors that should be relevant enough to fight, but you can't base the fight on
pain.
Lawyers will drain the already empty account. Do you have any friends who have
had MPI claims that can assist you? Read through the MPI Act get your facts and
opinions to line up with the act.
If you were already a claimant and received your decision make sure you respond
within 60 days for the internal review. Then the 90 days for AICAC.
You can scan through the AICAC decisions to see which lawyers have won cases, if
you still feel you need a lawyer. |
| | Lisa | November 9, 2009 9:58:14 PM | | I have severe whiplash after suffering from five not at fault MVA's. The 1st
MVA was Nov 2001. The injuries were so severe the dr's thought I actually had
MS but an MRI confirmed that it was not MS but instead I was suffering from
Fibromalgia, Myofacial Pain Syndrome, and all the other diagnoses of sever
whiplash. I have vertebrae so messed up that I have chronic migraines and
limited range of motion in my neck. I am in chronic pain 24/7 and am on pain
medications that cancer patients are on just so that I can hold down a full
time job. Without these meds I would not be able to work. MPI keeps refusing
to pay for these meds and I am terrified I won't be able to work because I
couldn't for two years and I lost 3 jobs because of my injuries. There was no
help for me anywhere. Once I got into the Pain Clinic 6 + years later, I was
finally given the meds I needed but I am thousands of dollars in debt. I need
help fighting MPI. The Claimants Advisors Office says I won't win and they did
not want to help me because I don't have enough medical proof but I read the
reports and I am not sure why they don't want to stand up to MPI for me, the
Appeal Commission will deny my appeals so I am now forced to hire my 2nd laywer
to try to get some $$ out of them but not after the lawyer takes his fee. It
will take more of my time and energy to fight them also. Energy I don't have
after suffering from five accidents. MPI does not recognize Fibromalgia even
though doctors and literature proves that trauma such as MVA's can cause my
injuries but I know for a fact that MPI is settling out of court when they are
up against people who have Fibro and won't back down. I don't know how they
can get away with operating a business so ruthlessly. People pay premiums to
be protected in the event of an accident but people don't realize that there is
no protection until after a accident happens and it is too late. How does the
public fight MPI? How can we make the rest of Manitoban's aware of what is
going on in our province? How can we change things? I want my money but I
also don't want others to go thru what I am going thru and what I know others
have gone thru. MPI should be ashamed of themselves and so should the gov't
for allowing this to happen. Does anyone know of a good Fibro laywer who MPI
is scared of? I have tried a few but I want a pitbull who can take my case and
make MPI cry. I am tired of being the one doing all the crying when I look at
all the pills I have to take and at my $0. balance in my savings account. |
| | Lost in Forums | November 9, 2009 1:17:33 PM | This is on the AICAC website.
You may represent yourself or be represented by a Claimant Adviser, a lawyer, or
anyone else you choose. The Claimant Adviser Office is an advocacy office,
completely independent from MPIC and AICAC that has been created to help people
who want to appeal MPIC Internal Review Decisions .
Why anyone would want to use a lawyer or some wannabe lawyer group is beyond me.
There is no factual evidence to prove to they could assist any better than the
claimant. Either go to claimant advisor or make friends with someone who will
help for free.
Noel it appears you have learned from your mistake...hopefully. Always have your
vehicle locked and never keep valuables in it. I am sure the MPI special
investigations unit looked into the matter. Your age, the age of the vehicle and
the friends brother should have all been considered. If they didn't go after
your friends brother for the incident then maybe they smelled scam. |
| | Good Bear | November 8, 2009 4:29:04 PM | Just thought I would add clarity to the questions and concerns following my
much earlier comments regarding AICAC's decision against the Law Society who
had challenged AICAC suggesting that only lawyers could represent claimants on
Appeals. Mr. Mel Meyers, Chair of AICAC ruled against them in June/July.
However, the difference that now exists is that if a lay representative wishes
to represent a claimant on Appeal he/she must submit to AICAC and be approved
before being formally allowed to represent anyone. This can be validated by
contacting AICAC's office.
To date the Law Society has not challenged this ruling from AICAC.
In respect of advancing a Class Action lawsuit against MPI, I don't mean to be
the bearer of bad news but there are guidelines in place for such actions, and
regrettably they would prohibit such action being heard by the courts.
Please join me in saluting all of the veterans who fought for our country and
world peace, and especially those who have given their lives. May God Bless
them and their families! |
| | Noel Vadeboncoeur | November 5, 2009 2:04:01 PM | | I have an MPI story for you... albeit not as disheartening as the medical ones
I've just read. On September 26th I went to a party at a friends... after a few
drinks I decided to stay the night. When I woke up I discovered my car was
missing as well as the key. My friends brother took the key and my car for two
and a half days and emptied out roughly five hundred dollars from my wallet
which was inside my car. I reported it stolen that day. Guess what? The cops
bullied statements out of the sister in which I was to blame for everything.
MPI would not honour the theft policy and MY CAR WAS IMPOUNDED due to a charge
of "PERMITTING A SUSPENDED DRIVER TO OPERATE A VEHICLE" I paid $100 to appeal
before a Magistrate (Justice Harvey) who suggested that I should have locked my
keys IN the vehicle that night to prevent the incident. She also denied my
appeal to release the vehicle from impoundment. Thanks a ton MPI WPS and the
Justice System. As soon as I get the chance I'm moving far far away from here! |
| | JamesJ | November 1, 2009 12:31:43 PM | @ robbed
Doing things they said you couldn't do?? Or were you doing things you told them
you couldn't do? People need to be careful how they represent what they can or
can't do. If you fill out a questionnaire which asks how long you can walk and you
reply 30 minutes, then you are held to that.
I think I understand your situation though. You had a better day so you did a
couple extra things, doesn't mean you can do that everyday.
AICAC has many cases posted I'm sure if you skim through them you might find some similar to yours. |
| | robbed | October 28, 2009 5:35:17 PM | | has any body went to court with them after they refused to pay you. or showed
you some videos doing things they they said you shouldnt have been doing. where
can 1 get court records showing people who have taken them to court and what
they went to court for. injury claim or vehicles. |
| | Meg | October 25, 2009 5:14:23 AM | | Wow! I couldn't have said it better myself. That is my story exactly. Very,
very frustrating. You forgot to mention the fact that they quit paying for
physio or chiropractic after a few years as well even though you may need it
even more as secondary injuries are beginning to occur.
Well done and thanks for giving us the addresses to get hold of the policy
makers.
I keep saying this is an insurance for those who never have an accident and
then why even have it!! |
| | bob | October 21, 2009 1:36:19 AM | | what a joke!your actually putting down people who care.wether it works or not
it's not waste of time,if everybody had your opinion,uh oh better whatch what i
say!!!!!what a joke! |
| | Robert, not Bob | October 20, 2009 6:42:33 PM | | Anybody had any luck with any politicians? |
| | Deadmeat | October 19, 2009 3:14:06 PM | | I am on my last breath dealing with MPI! I am fed up after 5 years of waiting
for an appeal and still none to date. MPIC will make sure that you are stuck in
their system for years in the hope that you will give up and return to some
kind of employment.Unfortunately I have been forced to deal with them since 98
and have seen more of their Doctors then i care to remember, the result is the
same they don't like what this Doctor said so send him to another until they
get what they want to hear! I am losing my home and will be forced to
declare ''Bankruptcy'' if my hearing doesn't take place shortly,exactly what
MPIC WANTS! After dealing with these people you will wish that you had died in
the car accident! I asked that question to my adjuster(what if i had died in
the MVA) and his reply was it would have been cheaper! This is the cold hearted
a-holes you will have to deal with! |
| | J & J | October 16, 2009 2:18:20 PM | I used to be a fighter. Dealing with MPI has taken that away from me. I have
heard from a friend that MPI case workers get big bonuses for saving MPI money.
If that is true, Moya Thomson must be rich. She is my case worker. She has lied
to me on several occasions, accused me of lying, withholds my payments for
presriptions (2 months and still waiting), takes her time on sending cheques
for homecare help,(cash I have already paid). I have been told to buy frozen
vegetables and bag lettuce (expensive) as I cannot cut up food due to injuries
received in my hand/wrist in a motorcycle accident. I could not write for a
few months and received homecare forms that had to be filled out in detail. I
was to record every minute I needed help. There are short forms that only
require you to check off what you needed help for, and to add the hours in a
lump total. I requested a short form and was told that they don't exist. This
is a blatant lie by Moya as my husband was also in a motorcycle accident (not
related to mine...he was hit head on by a drunk driver), and he receives these
short forms. What is really amusing is that he has full use of his arms and
hands and I do not. I am in the middle of an appeal but don't know if I can go
through with it. Due to the stress caused by MPI and Moya Thomson, I am now
under my doctors care for depression. I am on daily anti-depressants and have
instant "happy pills" for when I still fall apart.
Can anyone tell me if the appeals court is even worth it? I am fighting for
more homecare. I was allowed 2.75 hours a day. I had a broken bone in my hand
that had to be removed. My husband was in the hospital at the time, so I was
home alone. I had NO use of my right hand. I couldn't even hold a smoke. I
could not dress myself, prepare food, cut my own food, hell, I couldn't even
get the cap off my deodorant my less put it on. When I said I couldn't drive my
car, I was told to take public transportation.
I have talked to several others who have had the task of dealing with MPI. What
pisses me off is that MPI sends out guidlines for us to follow, yet these same
guidlines are not used. Every case is similar in that if we are in an accident
and need help, we are supposed to get it. Some of us do and some of us don't.
MPI replaces damaged clothing. For my husband and myself this was not an issue,
we replaced the clothing and submitted recipts. We were reimbursed. Yet, I have
talked to others, and not only were they not reimbursed, they were not even
told of this. How do we educate ourselves about AUTOCRAP, if there are no set
rules. They do what they want when they want. I will be moving from this
province as soon as possible and won't be back untill "AUTOCRAP" is gone. |
| | Brian | October 16, 2009 10:30:03 AM | If you want your plight to get any traction, you need buy in from two groups:
the opposition, and the media.
The opposition will have to drive this so your issues get traction, while the
Media will pile on once they see a juicy story. ONce the Media is on MPI's
back about one thing, they'll broaden their investigations to go after multiple
issues involving MPI.
How do you get the opposition on side? You need to give them an issue that's
easy for the public to undetstand, and which aligns with their goals.
In my opinion, you first need to lobby the opposition to get to the bottom of
the Enhanced Driver's License issue. I'm told that tens of millions of dollars
(may be even hundreds of millions) were spent launching a product that only
5000 Manitobans are using. The whole "Government Waste" angle will play well
to the Small Government Conservative Opposition. Lobby your Conservative MLA
to get to the bottom of the Enhanced License waste.
Once this is made public, the Media will pile on, and start reporting that
story. Once the Media has MPI in its sights on the Enhanced License fiasco,
that's when the rest of you pounce and contact sympathetic reporters about your
grievances on the Bodily Injury side of the issue. They will simply broaden the
scope of their reporting to go beyond Enhanced Licenses and tackle the more
complex issue of MPI's effectiveness as a provider of insurance, including
providing benefits to injured Manitobans.
So, if you want to blow the lid off of MPI, you have to do it in stages. Get
the opposition to start investigating the simple issue of Enhanced License
waste, they'll start throwing out numbers of millions of dollars in waste.
This will get the Media's attention who will start attacking MPI (Hello, Tom
Broadbeck!). At that point, it is up to you to get the Media to broaden their
attacks so that bodily injury, unfair decisions and inadequate insurance are
covered.
Doer's reign ends Tomorrow. There is fresh meet in the Premier's chair. The
Opposition is looking to set the tone. Now is the time to strike. |
| | John | October 15, 2009 8:07:18 PM | | Hi, MPI sent me a letter in the mail asking me to go complete the RESPONSIBLE
DRIVER WORKSHOP... I have a speeding ticket from 3 years ago, driving w/o a
license 3 years ago and speeding in september. I was let off of the driving w/o
a license charge w no demarits so that one shouldn't be on there... So my
question is how many charges in what amount of time do you have to get so they
have to MAKE you go to this for 150 bucks and 8 hours of wasted time? |
| | bob | October 15, 2009 10:32:08 AM | | I guess we should all just give up,according to some of these blogs.Maybe some
of them work for mpic???? |
| | Pissed off | October 14, 2009 10:13:55 PM | | He guys sorry to say, but sit ins dont WORK. only thing that does work is
media, and there is now way in $%!#* thats going to happen, take alook at the
news papers less and less is being said about our fight against this big
corrupt institute. so please get off from that though, only way is a meeting
at the ledge, thats when the media will take u serious. if gays and lesbians
can do it what the hells wrong, with all the people on this site. stop BS ing
your self, this is a money making machine for the government. SIT INS lets get
REAL here guys.when is the next election would be the best time for a ledge
get together to force all those a holes before mpi gets ahold of them to see
things their way. |
| | bob | October 14, 2009 4:01:36 PM | | Hey just thuoght i'd say i'd be in for a sit in if it could be coordinated even
for a few hours or whatever,good idea maybe.MEDIA IS GOOD I THINK?? |
| | bob | October 8, 2009 12:52:22 PM | | to confused; if you don't like the blogs don't read them at least i'm not
sitting on my but doing nothing,and i haven't seen you have your sit in yet. |
| | discusted | October 8, 2009 9:23:21 AM | | hey franki, send faxes to the justice system. all the courts and
prosocuters,judges chambers ect. the only way to get them is to take them to
the real court system, any other seems to be usless. also anybody who thinks
any one from the government side is going to help them, dont bother wasting ur
time or ours posting it. they all work for the money machine. a sit in at the
ledge is the only way to get results and changes to the system. |
| | Frankie | October 7, 2009 2:21:49 PM | Pressure needs to be applied to each person involved in anyway with the Autopuke
mess.
There are a few good people there but for the most part each employee from the
head down will try to screw you in their own little way. There is zero
accountability. no matter what low level of service each employee collects their
cheque and benefits.
If there was a price to pay in terms of non-violent resistance each employee
would be less likely to f*ck you over. They are rewarded for screwing you over
(saving the taxpayers money).
A number of years ago a person had a seizure on Pembina Highway. I was stopped
at a red light. In the process he accelerated to over 60 miles an hour and rear
ended me totaling both cars and knocking me unconscious for over 15 minutes.
I have not been paid for the car, the unconsciousness, scissor cut and blood
ruined suit, white shirt, tie, glasses, the destroyed laptop in the trunk or
lost of income.
I am not whining but stating the assertion that there is no benefit to the
Manitoba Putrid Insurance Corporation to settle this. If it goes away they save
thousands of dollars.
Over the years periodically I attempt to get movement. No success. Now I fax a
communication which they ignore. Next day I fax another communication along with
a copy of the earlier letter. Which they ignore.
Now I fax a letter to every fax number listed in the phone book. Which they ignore.
Yesterday I faxed over 800 pages (remember each day I add the letters that they
did not respond to). There is something satisfying about faxing over 800 pages.
Now I am trying to get the fax numbers to all the executive and board members,
public utilities. They all hide behind anonymity in secluded plush offices.
Can anyone provide me with more numbers? |
| | bob | October 7, 2009 11:55:41 AM | | Just wandering is there a way to send all these blogs/complaints to gov. people?
I've been told by Doctors mpi runs a kangaroo court it's a waste of time even
for them to go there with there patients,If they don't care what doctors say
they sure won't listen to us. |
| | RED. | October 7, 2009 1:40:26 AM | | just wanted to let you know that just as i expected the automobile inury
commission is just a puppet for mpi. mpi lawyer came in and was given all the
time to talk as he wanted. when he was finished i was not given the chance to
even respond to the evidence he provied to the commission. i was given exactly 1
minute to be exact. defintly go with a lawyer. after mpis lawyer evidence i was
simply dismissed told my time was up even though it was scheduled for the entire
day nd it was only 12;45. i didnt like the fact that mpi was allowed to present
evidence at that i was not informed about which is cleary stated that was not
supposed to be allowed unless both parties were in agreement and disclosed
before the start of the hearing. disgusted when i aproached hearing room after a
10 min break to hearinghe commission panel 2 women and 1 man all involved with
mpi lawyer in a personal conversation regarding the lawyers wife etc. that was
to me a indication that all were quite known to each other. needless to say i
losed. justas i expected. there just as bad as mpi go with a lawyer that would
be your only chance if they only have to side with who they belive. from start
to finish it was a kangaro court. this is not impartial they are simplly another
corrupt link to mpi. after all who pays there salaries. |
| | abusedby mpic | October 6, 2009 2:43:36 PM | | Please understand....the mighty MPIC cash machine makes a LOT OF MONEY for the
provincial government...no one from the government is the least bit interested
in any one of us...all they care about is whether we are in on time with our
payment for our insurance |
| | bob | October 6, 2009 2:12:04 PM | | JUST talked to a guy from mr. chomiaks office what a waste of time.they really
could care less what we think. surprise surprise!!! |
| | frustrated | October 1, 2009 11:17:38 AM | | brian, its not a waste according to MPI because they are in the business of
accuring infor, like they did when they took over the driver licensing branch.
they do this to keep track of everybody for when the government needs.
government cant be caught doing this, but MPI can. also good for the taxation
dept. because those are the tools used when you get into a car accident to
find things about you and when they need to break you. |
| | Brian | September 30, 2009 11:21:28 PM | The real travesty with MPI is the amount of money that they have wasted with the Enhanced Driver
License. They budgeted Millions on what is essentially a lame passport that can't be used to get into
any other country other than the US (and only by car, not plane).
The process to get one is invasive (far more than a passport, oddly enough), it does far less than a
passport, and there is no real reason for the car to exist. Throw in the fact that the Americans have a
similar wallet sized card for Canada-US boarder crossings that anyone can apply for (I think its called
the Nexpass or Nexus or something like that). and the Enhanced Drivers LIcense seems doubly
redundant.
In spite of all of this, they spent MILLIONS on this, telling us that over 100,000 Manitobans would sign
up for this useless, redundant card that is a total pain in the $%!#* to apply for.
Fat Chance. The last time I checked, less than 5000 Manitobans had signed up for the Enhanced Card.
Why isn't the opposition all over this? Why isn't anyone asking how much of our premiums they wasted
on this useless card? Why couldn't all of that money gone to ACTUAL ACCIDENT VICTIMS? Isn't that
what we pay premiums for? I never paid premiums so they could $%!#* them away on useless forms of
ID, that's for sure. |
| | NoFaultVictims.com | September 25, 2009 1:02:13 PM | Re mj
The document you reference doesnt confirm Good Bears comments it only
contradicts them. From said document.
Sec 3.2 - Representative means legal counsel, a Claimant Adviser Officer, or an
agent who AICAC is satisfied is competent and who is authorized to represent a
party in the appeal.
So in other words you cannot hire who you want because they like MPI have
absolute power to simply say NO.
Just so everybody knows I am not fighting for the right to hire a fly by night
company. I only wanted to confirm the source of the information as accurate as
I received my paper copy of the document you mention from the AICAC the same
day that Good Bear made that comment.
Claimants need to be careful because if they pay some fly by night company to
represent them at the AICAC; the AICAC can simply refuse to allow them access
to the proceeding. Lets not forget Lawyers are regulated and controlled by the
Law Society. Nobody regulates these independents. |
| | MJ | September 24, 2009 4:16:57 PM | Re injured's comments Sept 24
Injured, I think you have hit the nail on the head. The ONLY time politicians
seem to give a damn about the problems of their constituents is when their own
***'s are on the line (leadership conventions/elections). Because several will
be vying for the leadership, they're going to be especially tuned in to [at
least appear to be concerned] peoples' needs and concerns, but of course, their
simulated concerns will last only as long as they need their constituents
approval. This is the right time bring up MPIC "rancidity" and make the
politicians take a public stand. |
| | injured | September 24, 2009 12:17:04 PM | | hey bob, hate to burst your balloon, but if you are serious and determined to
set things straight. the only way to do this is to go down to the leg and
pitch up a tent and voice your veiws on this evil enterprise. when the
candidates show up, only then you can put the questions to them on camera,
before the elect a leader, cause if sellinger gets back in you can forget fair
treatment from MPI. other wise a politian is a politian, and when they get in
they will do the same and blow smoke up ur ****. same with the opposition do
you see any standing up. they are all coming out of the wood work now since
they smell a election. once again it must be at the led and get any 1 of them
on camera and get them to give you answers. post when u are going to do this
and I will join you. well pitch then tent and make our stand, but has to be
before they elct their leader. |
| | bob | September 22, 2009 9:52:47 AM | | maybe people should be sending letters to NDP members running for leadership.I
did I just got a reply asking me for more info.Don't know if it'sgoing to help
yet but can't hurt and at least it's worth a shot.
PLEASE EMAIL THESE LEADERSHIP CANDIDATES MORE PRESSURE THE BETTER |
| | JamesJ | September 21, 2009 7:50:57 AM | @ disabled - Aug 31
Can you file for negligence in the procedure?
I was under the impression any doctors who do treatments under MPIC fall into
the no fault category. Could you better explain what your lawyer wants to do. I
know someone who received malpractice at Health Science Centre during the
beginning days of their claim.
@ RED - Aug 21
Glad you uppercased those 2 comments I think people should be aware of the Level
of Function Questionnaires. Did you ask your case manager to provide a valid
reason for the forms and ask for where it's stated in the MPIC act that you are
required to do the forms. If the case manager can't provide that for you then
technically you don't need to fill it out.
ARCC and WELLNESS can't be avoided if they want you to go they'll make you, or
you get cut off, if you miss a day or 2 without doctors note you get cut off...
Ask MPIC what they'll pay for you to get a private personal assessment. It'll be
well under the $450+ first day assessment a place like ARCC will get.
Samantha - Aug 17
When MPI tells you one thing but do another, I'm guessing the original things
they say is over the phone. You need to get everything in writing or audio
recording. That is the only way you will have a case. You need proof. |
| | Glenda F. C. | September 19, 2009 5:24:37 PM | | After reading some comments to my comment, I must clarify I was not "waiting
for the car to hit me!!!! I was a good 100 yards away and I have witnesses to
that effect!!! I knew cars came out of that underground parking lot at any
given time as it was near where I work and I used to take that route all the
time so I was prepared to PREVENT being hit!! He came out out there at a good
speed and didn't stop for traffic!! He could have hit a walking pedestrian, a
child or another car/truck!! That backlane is NOT very wide!! Thanks for the
headsup anyway |
| | Glenda F.C. | September 19, 2009 5:12:05 PM | MPI really needs an overhaul!! As a pedestrian two years ago, I was hit by a
car while waiting for it to come out of an underground garage. Doctors, except
my own, called it minor trauma, today I am in severe pain and will continue to
suffer. The aftermath has affected my employment and quality of living but MPI
shrugs their shoulders and say,"So what?", if I complain I am told to see a
doctor!!!!
Several doctors at MPI, including a sport doctor, have even gone so far as to
drag up my past medical history to quash the new injuries and need for
treatments as recommended by my doctor.
No fault has got to go!!!!! As a victim, and in empathy with other victims,it
is inhumane and unethical to be treated as though we are minor while MPI sits
on our hard earned money and flaunts their positions..
Let us all get together and take the demand of change to the legislature and
claim our rights to recognition and proper compensation for our injuries, pain
and suffering!! Many of us are suffering from Post Traumatic Syndrome and THAT,
MPI and other government officials, is NOT MINOR!!!!!! |
| | mj | September 8, 2009 10:42:41 AM | Anonymous, Re question for Good Bear
You asked Good Bear for the source of info regarding independent representation
at AICAC. I believe the reference you want is
http://www.gov.mb.ca/finance/cca/auto/pdf/aicac_guidelines.pdf
As far as I know, this has been in place for quite some time... |
| | abusedby mpic | September 8, 2009 12:41:23 AM | | how's this one? I was in an automobile accident in November, 2003. I was
complaining of the pain and very limited movement in my left arm and shoulder.
MPIC sent me to quack doctor in the north end who had me walking in a circle
around his cattle yard with many other people and then of all things, he had me
lift weights using my left arm. I used to work in the oilfields. No one
thought to order an MRI. Today, I can't use my left arm, have only two muscles
attaching my arm to my shoulder, the others have atrophied beyond repair and
the rotator cuff is torn, healed up with fatty atrophy and is scarred. It
cannot be fixed. I LOVE MPICjust kidding :( |
| | NoFaultVictims.com | September 7, 2009 4:30:08 PM | Re: Good Bear
What is the source of your information that says we are now allowed to hire
independent representation at the AICAC? Just wondering because I havent seen
anything published.
Re: Mabrenertz
I contacted the Merchant Law group in March 2009 regarding a class action
lawsuit and I have yet to get a response. I am not holding my breath.
Rally at the legislature is the only way. Politicians don’t give a rats $%!#*
until it costs them votes. |
| | Mabrenertz | September 3, 2009 3:03:44 AM | Just thought I would pop in and take a look around as I am currently in a
dispute with Autopuke..though not as serious as most of the good people here..i
am sufferring from a slight discomfort in my rectal regions due to MPIudlians
trying to shaft me there. I have been through a dispute with MPI in the past
(and I should qualify) just a month before no fault was introduced. Long story
short asked for 13,000 to cover vehicle, loss of equipment, and lost income, Was
offered 3600 for loss of vehicle...fought with them for approx a year, all the
time encrueing, loss of income etc. Last month of dispute got a lawyer involved
and within 2 weeks had a cheque for $44,000 in my pocket. Of which he took $4400
on a contingency deal. Gotta love the good old days.
My reason for posting actually is to see why this next course of action has not
been taken...I was also about to suggest it but reading further through the blog
I noticed it already here
The Merchant Law group - a class action lawsuit
They have had very good luck with previous cases and to them no-one is immune..I
think someone with some background knowledge should perhaps at least try this
avenue of reciprocation
And I quote :
THIS IS WHAT TO DO AND WHO TO CONTACT. Class action launched over scratch and
win tickets Last Updated: Thursday, November 20, 2008 10:21 AM CT
Comments57Recommend57 CBC News
A Regina-based law firm has launched a class action lawsuit over scratch and win
tickets.
The Merchant Law group, headed by well-known lawyer Tony Merchant, filed a
statement of claim against the Western Canada Lottery Corporation on Tuesday.
Yadda Yadda Yadda
Mabrenertz
As I'm sure yours does as well |
| | disabled | August 31, 2009 12:23:31 PM | | hi have a question, my lawyer needs a letter from my doctor stating negelance in
the procedure when I was in emergency at the hospital. for my case against the
hospital. does it have to be from my doctor or can it be from another doctor here
in the city or from another part of canada. |
| | Good Bear | August 31, 2009 8:59:20 AM | Good news for all mpi claimants. AICAC has confirmed that you do not need a
lawyer to represent you at an appeal. in addition to you, it can be a friend,
relative or an independent claim consultant. however you should be aware of the
following statistics from AICAC's history past 4 years regarding appeal success
rates:
claimant/family/friends 30%
lawyers 60%
there are no statistics for independent claim consultants, as up until now they
have been denied access to the process. this is not an endorsement for prior
consultants. just a statement of facts.
the problem is this... good luck trying to find a lawyer and one that you can
afford. |
| | NoFaultVictims.com | August 27, 2009 10:38:02 AM | Red:
Remember Mpic Act Sec 183 when at the AICAC level
web2.gov.mb.ca/laws/statutes/ccsm/p215e.php#183
They are not bound by the laws of evidence. In other words they can believe you
or they can exercise their right to do whatever they want. You could have a
rock solid case and the end result is always the same, they decide what they
want.
No different than MPIC throughout the claims process. |
| | Martin | August 24, 2009 7:48:30 PM | | Red:
If you have a look at the various cases posted on the AICAC site (within Dept
of Finance, Manitoba website) you will note that more than a few of the cases
were found on behalf of appellants. I personally have been involved in two
separate "appearances" (teleconferencing) before AICAC; I won one and lost
one. From my (limited) experiences, it is my conclusion that AICAC is a fair
process, and that if you have a case, you will win. Having said that, chances of winning are much less than 50-50 because what MPIC can do is enshrined in law, and as
long as MPIC stays within the provisions of the MPIC Act, MPIC will win. |
| | Moes | August 24, 2009 4:32:42 PM | | Question ?? does anyone know about Primary CareGiver ?? I like 2 know if
Personal Care Services are taxable or not ??I was told no by mpi |
| | NoFaultVictims.com | August 23, 2009 7:01:16 PM | Andrew
I hate to say it but I think you are screwed. Its no different than "the guy
who mugged you" what are you going to do about it if the police dont find him.
As sad it sounds it would have been better off for you if you clipped him a
little. (I am not suggesting anyone do that) |
| | RED | August 22, 2009 1:51:08 AM | | Does any one know anything about the automobile injury commision. I have heard
they are no better than mpi. Most dont win there appeals. Sounds like a arm
length company working with mpi. Anyway dealing or have had an appeal with auto
injury commision please let us know. |
| | RED | August 21, 2009 1:39:47 AM | | WATCH OUT FOR THOSE LEVEL OF FNCTION QUESTIONIARES THE NEWEST TAQTICS OF MPI IS
TO CUT YOU OFF FOR MISREPRESENTATION. FOR EXAMPLE YOU TELL MPI ON THE FORM THAT
YOU CANT BEND. THEY SEE YOU ON A GOOD DAY PARTIALLY BENDING OVER DUE TO THERE
COUTLESS SURVELLIENCE. GUESS WHAT YOUR CUT OFF ALL BENFITS FOR MISREPRESENTING
BYOUR ABILITIES. WORDS LIKE OCCASIONALLY AND SOMETIMES ARE BETTER TO USE THERE
HAS BEEN COUNTLESS CLAIMANTS CUT OFF FOR MERLY WRONG CHOICE OF WORDS. AVOID ARCC
AND WELLNESS CLINIC THESE ARE ONLY USED BY MPI TO CUT OFF YOUR BENFITS.O |
| | RED | August 21, 2009 1:29:09 AM | | THEY PUT YOU IN WORK CONDITIONING PROGRAMS WITH INTENTION OF CUTTING YOU OFF
AFTER 6 TO 8 WEEKS. THEY DONT CARE WITH YOUR READY OR NOT. THEY GET BIG BUCKS
FOR YHESE PROGRAMS DOCTORS LIKE HOY LESIUK SOMMERS ARE ALL MPI DOCTORS AND THERE
ONLY INTEREST IS HELPING MPI BY FALSAFING THERE REPORTS TO HELP MPI CUT U OFF
ARCC WELLNESS CLINIC ARE ALL THE SAME DONT BE FOOLED U; COULD GO IN THESE PLACES
IN A WHEELCHAIR PARALAZED. AND THEY WILL DO A REPORT SAYING YOU CAN WORK AND
THATS NOTHING WTONG WITH YOU. WATCH EVERYTHING YOU SAY DO TO MPI IT WILL BE
TURNED AGAINST YOU |
| | Susan Charles | August 19, 2009 4:02:40 PM | No privatization without referendum
14.1(1) The government shall not
(a) take any steps to privatize the corporation or all or any part of its
insurance undertaking; or
(b) present to the Legislative Assembly a bill to authorize or effect such a
privatization;
unless the government first puts the question of the advisability of
privatizing the corporation or undertaking to the voters of Manitoba in a
referendum, and the privatization is approved by a majority of the votes cast
in the referendum. |
| | Andrew | August 17, 2009 2:07:53 PM | | Recently I was driving and a truck essentially ran me off the road by taking
the turn way too wide. In order to avoid a head on collision, I swerved over
the shoulder onto the boulevard. In doing so, I blew the passanger side
tires, destroyed my rims and had some suspension and alignment damage. The
other driver did not stop and despite having an independant witness who saw
the incident (but also did not get the plate number), MPI has me at 100% fault
and I also have to pay the sur-charge on my license. Has anyone heard of
being able to appeal this? It seems to me, I would have been in a better
position to hit this guy instead of swerve to miss him (assuming of course I
was not injured).
Thanks |
| | Samantha | August 17, 2009 12:22:24 PM | | I find MIP are nothing but a bunch of crooks who will tell you anything you
want to hear to get you off their back. They try to make it seem as if they are
on your side and are trying to help you anyway they can, however in the long
run they are just trying to screw you from behind.
when i was 9 years old i was in a car accident, i flew through the front
windsheild of the car on to the high way. I was wearing a seat belt at the time
that snaped cracking my pelvis' in 3 different places, i also suffered a
dislocated jaw missing teeth and multiple lacerations. As of today i have had
roughly 20 surgarys due to my injuries. I have asked MPI for help regarding
these surgarys and found that i am being told one thing and they are doing
another. I was also told that since the accident has happend a long time ago
that i should get over it already. I find it very sick the way MPI are dealing
with sensitive issues such as mine. I am glad i discovered this web site and I
will be emailing and phoning everyone for something to change and I will be
encouraging everyone around me to do the same. |
| | JamesJ | August 17, 2009 11:48:44 AM | The majority of people who require rehabilitation services are people who have had
work place accidents or vehicle accidents. That said most are under either WCB or
MPIC.
Rehabilitation Centres need these patients in order to keep their businesses
running. If these businesses don't abide by these corporations requests it would
be easy for the corporations to limit or remove all their claimants. Anyone given
power over another can become corrupt.
I heard that A.R.C.C. and Wellness Institute are influenced by WCB & MPIC |
| | injured | July 31, 2009 5:59:20 PM | | hi any 1 ever go to the river view health centre. just wondering if MPI has
corrupted them and if they are to be stayed away from. thx |
| | Jon | July 5, 2009 9:21:47 PM | | I was in an accident in 2003, broke 4 toes on my left foot and mpi ended up
paying 14.440 plus 3.200 for wage loss, 1% for every broken toe
8% for scarring maximum apperently, anyways I appealed the decision and am
having problems getting through their head, I am appealing the following
1. toes healed up all crooked and hammertoed with exposed metatersal heads
2. medical expenses from traveling back and forth from the hospital
3. been working with physiotheripast and says I still have very tight flexion
causing reduced range of motion and my toes to hammer (curl up)
email me if have any thought on this or some simular expirence @
johnny_rimes@hotmail.com hearing with big guy right around the corner |
| | Jesse G | July 2, 2009 10:47:44 PM | | The lady admitted to the accident being her fault, and they still blamed me, and
charged me the $200 for it.
At the time I was a student, and I couldn't, honestly still can't afford it.
Biased towards teens?
Yep. |
| | James | June 24, 2009 11:45:47 AM | Yes as mentioned you can appeal the right to sign any form.
As NoFaultVictims stated it would take years.
I, like most other people can't survive without IRI. Therefore I wouldn't
recommend not signing the medical forms.
@ Happen to Know, I write here to contribute, share and gain knowledge.
Information that I post is what I have read or hear and I don't expect people to
rely on my information alone. I was under the impression this blog was for
people to combine their thoughts and opinions to help fight a corporation.
Because this is your first post I would link you to the likes of:
Appalled even more, whatever, Dim Wit, Appalled, admittedly, very discouraged
and all the other nonsense names that seem like wannabe lawyers or people trying
to make this a less helpful site. Instead of discouraging posts by bashing
people you should contribute with meaningful information. |
| | Brian KLYM | June 19, 2009 4:52:36 PM | | autopac has been screwing the public for YEARS. on everything from write-offs,
to motorcycle rates. it worked very well when intoduced in 1971, but has been
perverted into a money-hungry, greedy, and ignorant clown corporation.
poor service, high rates, and a bad attitude are the best they can offer....... |
| | re lawyers | June 17, 2009 7:22:07 PM | You can say what you want about lawyers but the facts are:
Pre No Fault lawyers where paid by commission for results.
Post No Fault lawyers are paid by the hour.
It is illegal for IRXperts and Laurie Tomlinson (Non lawyers) to charge for
legal advice.
All you have to do is read the blogs you question and see that you have many
years of fighting to get basic benefits. If you are stupid enough to hire a
lawyer by the hour or an illegal representative....I'm sorry but you get what
you deserve. MPI's not the bad guy???? MPI created the laws making lawyers get
squat and you hired him. |
| | Conrad | June 17, 2009 5:06:18 PM | They take your money and deny your claim. That is robbery plain and simple!!!
No if and or butts about it! What a joke.
The government regulates business to no end, but no one is regulating this pig. |
| | LAWYER BILLING | June 17, 2009 11:20:55 AM | | i received 22.222.29 from mpic for accident when my lawyers where finished
with me i brought home 6.287.55 this was my first bill then...i received from
mpi for same accident 19.161.05 and when the same lawyers were done with me i
brought home 11.995.08 so lets do the math 19.161.05 plus22.672.29 equal
41833.34 thats what mpi payed my lawyer i brought home 18282.63 thats a little
bit less than what mpic payed me so if you want to know more about funk and
strell please give me a nudge on computer and ill fax you the origanal bills i
have from the blood suckers. my adress is tstimony@shaw.ca |
| | steve timony | June 17, 2009 9:59:24 AM | | I cant help but wonder about most if not all these blogs. yes i had to get a
lawyer to get my claim going and it was FUNK and STRELL. let me give yous some
of my thoughts..those two lawyers are a prime example of blood suckers.yes they
got my claim going but at a crazy price.and when mpic payed me guess which two
got must of the money.while i starved for almost one and a half years.now that
i get IRI all is well.and i fired those two guys. but if i may ill show you
what the bill looks like. ive talked to a representitive at the legal society
in manitoba. i have a strong case but sounds like i will need a lawyer. to $%!#*
with them. (take from give to another). too much writing to put down word for
word so ill try and summerize it for the readers interested in getting a
lawyer.I myself think mpic is NOT the bad guys its the LAWYERS.ive been on IRI
for almost a year and a half. without a glitch. After dealing with mpic for
that amount of time i have gotten to know my case manager. (nice guy) really he
is All bull $%!#* a side. look on for lawyer billing |
| | greek | June 16, 2009 11:50:42 AM | | how come all lawyers, put that form under your nose to sign, my bud put down on
his only medical and no personal and enitialed it, but they came back stating no
you must sign our original forms, but never gave him a letter stating you will
be cut off or no benifits will be paid if you do not sign the original forms,
also the lawyer states this.and they also wanted to go back 4 claims back which
is 3 to 5 years back. please people shed more light on these matters for us. I
understand you probily had a better lawyer for your claim and paid more, but if
you could help my bud would be in a better state of health. or post your lawyer
so he can switch. thx |
| | happen to know | June 16, 2009 8:46:49 AM | To James J, some of the info you provide is not exactly correct. If people go
by what you have written they could be giving up some of their rights and
setting themselves up to be jerked royally by MPI. MPI requires the medical
info but there are many ways to acquire this. The form stuck under your nose
is NOT the only form for release of medical info, there are PHIA ans FIPPA
compliant forms. I appreciate you are likely trying to help people but some of
the info isn't accurate. If people have issue with a form, state this in
writing and go to the Ombudsman. It is not as you imply an absolute
requirement to receiving IRI. Not sure about the 'personal opinion' comment,
if you are referring to the doctors then I would have to disagree that the
opinion isn't important. If their opinion affects your claim and or benefits
then it is important. You are entitled to a copy of your claim file and there
needs to be clear indication of "how" they arrived at the decision (eg. to
terminate a benefit)
You are wrong about the tape recording, whoever provided you with that
information is misinformed. Hope this helps. |
| | James J | June 15, 2009 9:21:40 PM | Medical Forms are a requirement to sign, under the MPIC act you'll lose your IRI
until you get the medical form signed. The medical form allows MPIC to
communicate with the doctor's, Physio, Chiro, etc.... They apparently expire
after 2 years. MPIC also tries to find out past medical history, but in my
opinion if it's not related to the accident than MPIC doesn't need to know. When
a doctor makes a decision on a claimant they'll send a report to MPI, the
"important" medical reports you would receive as well. Personal opinions they
don't forward to the claimant over privacy issues.
Social Insurance Number (SIN) you need to give that to anyone who gives you
money. Employer, Government, MPIC via IRI. It's the governments way of tracking
a persons income.
MPIC uses the scare tactic of cutting of IRI if their various papers aren't
signed. Income Tax papers is another one, probably due at the end of this month.
@ Steph the form that says you can go back in 2 years? I'm confused are they
trying to make you agree that you'll be healed and fit for work within that time
or is it to do with the 2 year determination?
@ Glenda the way you have worded your post states that you Knew cars came out of
there and you waited for the car to hit you. When dealing with MPIC you need to
be very careful of how you word things, thats why I don't agree with phone
conversations with MPIC. It's better to have everything written. They hope for
you to make errors, they want your report riddled with errors to make it harder
to fight them later on if needed.
Tape recording: It was to my understanding that you can record anyone without
them knowing so long as you tell a third person (family member / friend) and the
third person agrees on the recording that they are aware it is being recorded.
MPIC uses recorders on their phone conversations, video and audio recording when
a person goes to a meeting and even hires private investigators to do surveillance. It's should go both ways. |
| | greek | June 15, 2009 1:49:53 PM | | greek do you have to sign those papers for private infor and medical, is there
away a round it. and do they have to follow the privacy rules when you do sign
them or when you do sign them rules are out the door. please let me know for all
the questions. |
| | MG | June 14, 2009 10:36:59 PM | | The entire process from beginning to end is corrupt. PS, Dont use IRXPERTS for
help. |
| | V.C. | June 4, 2009 4:38:33 PM | | Personal information is defined as whatever MPIC wants it to be once you've
signed that form. Educate yourself about your rights covered by other
Legislation in MB. Write to your MLA and MP and any other politician. Good
luck....you'll need it. |
| | mf | June 4, 2009 4:28:19 PM | | Steph, MPI's medical authorization form has been a bone of contention for many
years, and the subject of an investigation by the Ombudsman. (I'll write some
more later.) |
| | steph | June 4, 2009 12:43:07 AM | | hi wanted know the papers that MPI gives you to sign, do you have to sign them.
they have 1 for your personal infor, and 1 that says they can go back for 2
years. what does personal infor mean, bank accounts, job back ground,
medical,ect. also they want your social insurance number, dont feel they should
have that either. its like giving them a blank check for them to put any amount
on it then cash it. can anybody give advice or opinions on these papers that I
have to sign or even have to give my s ins number thank you. |
| | Glenda | May 30, 2009 1:38:06 PM | | I was hit by a car in October 10,2007 while on my way to work. I knew that cars
came out of the underground garage and waited while this Security company car
came out of the garage. He drove into me at an accelerated speed, knocked the
wind out of me and to the ground!! MPI have gven me the run around ever since!!
They would allow doctor ordered physiotherapy because "it was too late",
because of extenuating circumstances, re: two eye surgeries and caring for a
dying Mother. MPI does not take of the victims but rather covers up,
manipulates doctor's reports to their advantage. And yes while seeing an
adjuster and expressing my views while suffering from a severe migraine and
body pain? The adjuster told me, "You should really see a doctor about that!"
Then she walked away!! I have been seeing my doctor and other specialists since
the accident so WHAT was she referring too??!! MPI is heartless and cold. AND
they will use your own words against you while wearing you down. Our MP's and
Premier really need to look into the problems with a corporation that is NOT
working for the victims while MPI & their employees collect fat paychecks on
the taxpayers backs!! I will be in contact with Mr. Doer & others. Anyonelse
want to get a protest rally going in front of the MPI biulding that the
taxpayer/victims paid for?? Let's do it!! Enough of the beaurocrisy!!!! |
| | dissapointed | May 28, 2009 1:21:32 PM | | regarding the benefit increase for catastrophic injuries.did you know that
there will be no increase if you were hurt prior to 1994.i am a paraplegic
injured in the eighties and will get no increase at all, meanwhile if you were
hurt after 94 you are getting a huge increase. i find that to be unfair. im
sure i am not the only one out there hurt prior to 94. we have to do something
about this! |
| | the pedestrian | May 27, 2009 10:53:32 PM | | And the consensus about the newspaper article? I am on the fence about this
one. ONLY 120 people since 1994 that would be entitled to this adjustment? |
| | Lanna | May 27, 2009 8:46:25 PM | Very helpful comment IZZY. I have been tape recording everything since 2000
and the difference between what is recorded and the "case manager file notes"
is sometimes amazing. I wasn't aware that it was legal to record someone
without their knowledge and/or consent. I have always informed the other party
that I am recording. If attending meetings or an Independent Medical
Exam/Third Party Assessment it is advisable to inform the other party in
advance (in writing!) that you will be recording the event and request that
they do the same. Otherwise they are likely to accuse you of altering the
recording (as though the majority of people even KNOW how to do this...I
certainly don't) and refuse to accept it.
This blog is interesting to read through...makes me wonder whether any of our
delightful politicians have ever bothered to do so.
The MPI Act is a severe disappointment and whoever wrote it should be held
accountable for the obvious bias against claimants. |
| | IZZY | May 27, 2009 10:27:46 AM | | The number one item next to your insurance policy,autopac polciy is a tape
recorder. If you have any claim tape record all conversations wth Insurance Co.
MPI and adjusters. In Canada it is pefectly legal to tape record your phone
conversations without the other party knowing. Even if you totally disagree
with the adjusting practices and experts retained by your insurance company or
MPI, you must allow the insurance company a chance to either make it right or
screw it up. , record (without their knowledge) any and all conversations you
have with insurance company staff and/or experts. And, make a log of events as
they occur. Memory can fade over time and what does not seem important at the
time may be a critical piece of evidence later. Document everything you can
(audio taped conversations, video tapes of inspections/medical examinations by
insurance contractors/experts, keep a log of developments and communicate via
certified or faxed letter to adjuster or supervisor) in order that evidence is
preserved should you need it later. Unless otherwise instructed by your
attorney, do not withhold information necessary for the proper adjustment of
your claim. If consequential damage arises out of an insurance company's action
(or delays), be sure to inform, in writing, the insurance company so that they
are put on notice. If this information is not made known, you cannot blame the
insurance company for further delays. Give them the rope and let them hang
themselves. Do not falsify documents to bolster your side of things. If the
facts work against you, do not stoop to such conduct. Rarely are there cases
where the policyholder resorts to fraud but when such conduct arises, it is
usually out of retaliation for fraud committed by the insurance company. Again,
let the insurance company be the only one resorting to that conduct. They will
hang themselves with that rope. |
| | judy anne | May 25, 2009 3:35:53 PM | Hello everyone, its my first time to visit this blog. i ddnt know that this
existed. I am currently receiving income replacement from MPI and i am on the
return to work program, which started today. After this program, (if they
assessed that i am able to go back for a full time work) a friend of my moms'
said that ill be required to sign a quit claim to MPI, which my mom told me not
sign until i get a legal advice. SO now the problem is, this friend of my mom
told us that we can claim for pain and suffering. i just want to know if this
is something we could still do? we want to ask a lawyer for a legal advice but
no ones responding to us. i hope you can help me with this problem. Thank you.
Judy Anne:
Your mother's friend is wrong. You CANNOT make a claim for pain and suffering. That is one of the things MPI did away with when "no fault" was implemented. Actually, no fault would be better described as "everybodies at fault", at least insofar as it affects MPIC.
Good luck with your back to work program. Just don't let MPI rush you. Make sure you are healthy before you start work.
Oxy_u
|
| | Mr. Motor-Scooter Body Type | May 15, 2009 1:11:43 PM | | I just bought myself a scooter, and it wasn't until it was registered that I
was told I need a class 6 license to drive it. It's under 50cc, it has a top
speed of (according to the manual) 45km/h. Its a scooter, right? WRONG! because
of some stupid new classification of MPI, it considered a Motor-scooter based
on body type. What does it look like? Every other friggen scooter out there.
MPI sucks! Does MPI make this info available...no! Is it on their website...NO!
I called the public inquiries office before I bought it and told the guy the
make and model of it and asked "Do i need a class 6 license to drive
this?" "NO" he says, so I buy it! Thanks alot MPI! |
| | Farrell Henzel | May 5, 2009 7:41:44 AM | | along with manitoba hydro and manitoba Telephone services lets not forget one
fundamental fact about MPIC! It is a monopoly and under canadian law a monopoly
is an ILEGAL entity.
So why wouldnt MPIC continue to terrorize and bully the same customers that
support them. They have no one to answer to except themselves, every single
employee of MPIC knows this and interacts with the public with an attitude and
arrogance that would not be acceptable in any private enterprise!
I am no supporter of privatizing MPIC, however i do not see any alternative. I
have dealt with MPIC on numerous occasions over the past couple of years
because i have kids! Unfortunately kids have accidents, and the monopolized
MPIC has decided to punish all families with multiple claims. And the fact that
i pay 5000 dollars for my vehicles coverages yearly, does not deter MPIC from
tying to force me and thousands of other manitobans to accept settlemnts and
claims that are not equal to what we are rightly and justly insured for! I know
many other families who are in the same position with MPIC as my family is ! we
are systematically singled out and being made to accept less than what we are
owed because of multiple claims over a period of time with MPIC. The amounts
that families are being forced to accept are always just below the costs of
hiring lawyers to get what is rightfully ours. MPIC knows this and is
capitalizing on this fact! most of us in this position will never hire a lawyer
or take it to the Ombudsman wich is a very timely avenue for justice because
they cannot wait to have thier claims settled! We simply need our vehicles to
survive and cannot wait for the months and even years to have our vehicles
fixed or our claims settled. Its time to privatize |
| | Cameron Hink | April 29, 2009 6:49:47 PM | | Mr Dave Chomiak / Minister for MPIC
Just purchased a used motorcycle that was previously purchased new in Sept of
2008 here in Winnipdeg. It has 430 kms on the bike.
Went to register the bike and was told it needs a new vehicle safety.
Please explain the logic it this.
Fact a safety on a used vehicle is transferable for 12 months.
Fact or at least I assume it to be fact new vehicles are considered to be safe
as they do not require the safety certificate / logical I agree.
Fact a vehicle can run on our roads without renewing a safety for an unlimited
time many of which are not maintained endangering the lives of our citizens.
Fact in order to comply with the legislation as it now exists, that is to
safety my near new vehicle with 430 kms on it I must pay an addition ± $50.00
temporary registration to get the vehicle to an inspection station to pay an
additional +-$50.00 to have a safety plus waste my time which is very valuable
to me.
Fact today as the sun shines I can not go for a ride till the near new bike
with 430 kms is deemed to be safe.
Fact once I waste my time and pay the fee I will have the privlish of riding
among the thousands of vehicles that have not been through a safety inspection
in years by virtue of the legislation as it now exists.
Question / who writes this stuff, any logical thinking person can clearly see
the pitfalls with the legislation as it now exists. MPIC tells me I'm not the
only one with this problem in a tone that suggests there not just picking on me
and I should not complain. The fact that I'm not alone should ring a bell
somewhere in the system.
Question does anyone really care. Please think before you people write this %
$#* it sticks just like on the blanket.
Wasting my breath |
| | geek | April 29, 2009 10:04:03 AM | | geek "if you need a lawyer contact ellery strell with funk and strell or norm
cuddy, not sure what firm he's with." heard alot of stories about Mr. Funk, but
nothing on Mr. Strell or Mr. Cuddy. has anybody used these lawyers, if you have
let us know if they are any good or has MPI gotten to them too or is this a set up. |
| | kalicocat | April 27, 2009 11:20:24 PM | | any one who thinks mpic is so great beater look again my auto costs $600.00 here
under us privet insurance its $200.00 now consider i only need liabity they will
not pay any thing for my auto and st there prises i would have paid for ten cars
like mine all ready but this is a goverment town where now one can think for
them self no wants to solve there problems them self by laws are only there to
passify
and good people don't need them there was no problem with doing things be for
and we turned out ok things happen to people and that is the way of things go
get used to it if your name is up no law is going to save you |
| | kalicocat | April 27, 2009 11:00:28 PM | | u guys better study the law your selfs there is a big deferanct between acts
statues and law the most imporant thing is how to back up there acts to where
they have to listen to actual law if u haven't yet go to think free .ca u can
find some one you tube |
| | V.C. | April 18, 2009 1:27:09 PM | | i wonder why the media takes no interest in this? i see quadmom mentioned
threatening to go to the media but i know people who have done this and they
don't seem interested. with all the inquests and whatnot happening lately i'm
surprised that mpi isn't a topic. anyone read the ombudsman annual reports?
mpi complaints multiply exponentially as years go by. aicac appeals went from
one the first year to hundreds per year. i'm surprised that the paper and tv
types don't bother to follow some of this stuff. surely hundreds of us aren't
having the same problems out of coincidence. i guess the paper and tv make too
much money in advertising from mpi to risk exposing the truth. don't bite the
hand that feeds you...which of course explains why government doesn't do a
thing either. |
| | Lanna | April 18, 2009 11:07:00 AM | | As M.F. says, proving bad faith is not the hard part (when it occurs), the
challenge is the mental fortitude, financial resources and energy required. I
have read numerous examples of Section 150 violations in the past few days.
For those interested look up the following; AC-99-37, AC-01-75, AC-03-02, AC-03-
81, AC-03-86, AC-03-109, AC-05-03, AC-05-25, AC-05-91, AC-05-95. The failure
of MPI to advise and assist is not uncommon it seems. Once is an 'error',
perhaps. Repeatedly? Be prepared to spend years and tens of thousands of
dollars. Budget about $20,000.-$30,000. for each year and expect things to get
really slow once you venture down that path. It's been more than a decade for
me. |
| | M.F. | April 17, 2009 7:46:30 PM | | Some comments with reference to recent postings. 1) In Manitoba no-fault car
insurance means that you can't sue MPI for injury benefits. 2) However you can
sue MPI if MPI acted in bad faith when dealing with your injury claim. 3)Showing
bad faith on the part of MPI isn't necessarily a difficult thing to do. MPI has
to justify its decisions and provide documentation (medical and otherwise)to
support that decision and to show how MPI adjusters, doctors, lawyers, etc.
arrived at that decision. Gaps in the paper trail are red flags. I'd say the
real difficulty in proving bad faith is that the overwhelming majority of injury
claimants don't have the money, access to lawyers, time, emotional and mental
fortitude to take on a rich, powerful government monopoly that has all the money
and time to crush the little guy. |
| | dave | April 17, 2009 3:56:59 PM | | hi lanna let us know whos your lawyer, and how long has it been that you are
working your claim to sue, the manitoba government, or MPI. we should all get on
board with her lawyer. but we must post the results here. the only person who I
know that almost did that to the government was the person who lost money on the
manitoba RRSP scam. that went under, now you dont here anything about it anymore
due to they paid him off, because he was that close to doing it. my 2 cents |
| | James J | April 14, 2009 10:55:23 PM | @ Lanna
I won't disagree with your statement. Good luck on your cause, but it is hard to
prove wrong has been committed by MPIC, because normally they follow the MPIC
Act close enough to where they can hide behind it if threatened by a claimant.
It also depends on your scenario, if it's wrongful termination of IRI you would
only get your IRI back with interest. If cut off treatments those treatments are
paid for. Your case depends on if through appeals commission you have the proof
to back up your claim and it's more sufficient than what MPI counters with. |
| | Lanna | April 11, 2009 7:33:31 PM | | The information offered below that states that MPI cannot be sued is not
accurate. I know this for a fact as I am suing them. They are supposed to
handle claims in 'good faith'. Not doing so is a breach of contract. |
| | James J | April 11, 2009 2:40:04 PM | @ Glenda C P
If you can't get physiotherapy try for something else.
The Case Manager was right with the no "Payout". But they should have kindly
explained to you that there is a Lump sum indemnity, because part of their job
is to "somewhat" represent you and provide you with information.
Lump sum indemnity for Permanent Impairment (MPIC ACT 127)
Subject to this Division and regulations, a victim who suffers permanent
physical or mental impairment because of an accident is entitled to a lump sum
indemnity of not less than $500. and not more than $100000. for the permanent
impairment (100000 is an older claimant number it's around 130000 for new
claimants).
It won't be millions in settlement money and you can't sue MPI or any doctors
associated with your case and you can't sue the at fault driver. It's no fault
insurance, your lose is their profit. |
| | Glenda C P | April 10, 2009 7:01:48 PM | | As if we don't go through enough when hit by a car through no fault of our own,
but MPI treats us like we are nothing! Some of the adjusters treat us as a non-
entity and poo poo our concerns even to the point of saying, as my adjuster
did, "You should really see a doctor about that!!" As if I haven't been!!Then
they take doctor's reports and use them against us!! Like it was our fault!! So
should our Stephen Fletcher look into MPI tactics?? After all it is my tax
payers money that helped pay for the MPI new offices while I continue to suffer
and have been refused physiotherapy. MPI?? I think the prior system of getting
compensated was better. After almost two years I am still waiting and she told
me there " is no payout"! What is THAT supposed to mean?? |
| | James J | April 6, 2009 10:39:47 PM | MPIC Act 151(1)
A claimant may, on giving reasonable notice to the corporation, examine and copy
any document in the corporation's possession respecting the claim and is
entitled, on request, to one copy of the document without charge, but the
corporation may prescribe a fee for providing more than one copy of the document.
MPIC Act 151(2)
Subsection (1) does not apply to information that is excepted from disclosure
under Division 3 or 4 Part 2 of "The Freedom of Information and Protection of
Privacy Act"
In other words all the nasty stuff MPI's doctors have to say about you is
omitted from the file. As well any comments made by your case manager to those
doctors. I feel that if they are all acting out of good faith, then what is
there to hide.
It might be possible to obtain your full file if you send in this form, though I
haven't tried. Can anyone confirm?
www.cic.gc.ca/english/department/atip/form-imm5563.asp
The form specified by James J is a Request for Information posted on the Citizen and Immigration Canada web-site. I don't know if MPI is obliged to respond to a Federal Access to Information request, but I doubt if they would anyway. I would use that specified by nofaultvictims.
Oxy_u |
| | James J | April 6, 2009 10:09:43 PM | MPIC Act 199(1)
Immunity from action
No action or proceeding may be brought against the commission, a commissioner,
the corporation, or an employee or agent of the commission or the corporation
for any act done in good faith in the performance or intended performance of a
duty or in the exercise or intended exercise of a power under this part, or for
any neglect or default in the performance or exercise in good faith of the duty
or power.
Explanation: MPI and all those under it aren't to be held liable if your claim
doesn't get appealed like you may want it too. So when considering a Claimant
Advisor just remember that if they accidentally or purposely mess up the ability
for you to win your case, they aren't to be blamed and you can't do nothing
about it.
Use Claimant Advisor to retrieve your full file and that's about it. Apparently
they get the full file, which includes all doctor reports.
Does anyone know if you can get that full copy from Claimant Advisor? or can you
only get the indexed one from them? |
| | moo | April 5, 2009 3:25:55 AM | | Little P, you asked if its worth appealing. Yes it is. There may be corrupt
employees and practices within MPI and MPI employees and MPI lawyers and MPI
doctors have learned over decades how to beat legitimate claims, but MPI has to
provide reasons to support their decisions to deny claims. Then you contact the
CAO and take your case to AICAC. |
| | Little P | April 4, 2009 10:51:41 PM | What is with all the unjustice in our world?
This is my first time visiting this site after hearing about it while currently
dealing with my "permanently disabled" husband's case with MPI. After going
into a relapse 9 years after his injury (bracial plexus avulsion of C6 and C7)
MPI gave him 3 months to get himself physically and mentally better (which he's
only gotten worse working as a labourer with one arm for 12 hours a day for the
past 6 years). Not to mention to try to figure out what he's going to do with
himself for the rest of his life with a lack of education and training.
They're not even willing to assist him in that. All they keep saying is, "you
can find a job answering phones can't you?" They claim they found a job for
him making $10,000.00 less than he did before.
I seriously am appalled and ashamed to be a part of this city and government
more and more everyday. The doctor's all seem to be a part of this corrupt
system as well cause I haven't met one that has ever, even at the least, said I
will do my best to help you cause I can understand your pain and what that can
do to a person. My husband was only 20 years old with a ghost cop car as a
witness when someone turned into a no turning lane. Now he has to live with a
quality of life I wouldn't wish on my worst enemy (like SO many others by the
sounds of it). It makes me so nauseous and angry. It truely gives me a whole
new outlook when it comes to our government and our human rights.
But now after doing a lot of research, and reviewing our current situation, I'm
wondering if it's worth it to appeal and what are the chances of us little
people winning against the malicious system? Can anyone answer this for me?
And no matter where all this takes us; how do you get over the anger and
resentment? I don't blame people for doing what they do sometimes. Society
makes them!!!
Litte P
As Moo stated, yes, it is worth appealing. But you cannot appeal on the basis of compassion, or fairness or even hardship. These factors, MPI could care less about. They don’t care if you and your family have to eat cat food because you can no longer afford groceries; they don’t care if your children can’t participate in school programs because you no longer have resources; they don’t even care if you are in constant pain. They simply care about keeping their costs as low as possible and will discourage solutions which cost them money (even when these are allowed by the MPI Act). They will browbeat, intimidate, ignore and will frighten you to achieve that end. What you have to do to protect yourself is to gain a good understanding of the MPI Act and the Personal Injury Protection Plan, and how it applies to you. The Act is boring and confusing, but you must get past that. You or your spokesperson must present from a position of knowledge.
There are provisions which do allow for sponsored retraining (by MPI) when one cannot perform in their old profession, so you must learn about those provisions. And keep a diary to document all occurrences, no matter how insignificant they may seem at the time. Good luck.
Oxy_u |
| | lawyer comment | April 3, 2009 2:49:38 PM | re: lawyer comment comment... I'm not clear on the logic behind making 400
phone calls versus reviewing the AICAC decisions for the names of lawyers that
do represent at AICAC. A quick look found the following, in no particular
order. Some may not be lawyers but I know that more than a half dozen of them
definitely are;
Rocky Kravetsky
James R Smith
Mark Toews
Karen Burwash
Sidney Green
J. Edward Crane
Lyle Smordin
David Newman
Michael Davids
Michael Steinstra
David Hill
Richard VanDorp
Donald Granatstein
Marcel Jodoin
Don Woloshyn
Matthew Maruca
Ralph Neuman
Kris Janovcik
Randall Horton
Ken Kalturnyk
Seems logical to me that the smart thing to do would be to contact lawyers who
do represent at AICAC and already have the experience/knowledge/familiarity of
the MPIC Act.... As you mention, half won't be suitable....why make 200 phone
calls only to hear "no". Many of the large firms are in a conflict anyway. I
respectfully submit that it makes more sense to skim through the AICAC
decisions in search of lawyers, this could be further narrowed down by reading
the last paragraph to see if they were successful. |
| | lawyer comment | April 1, 2009 1:21:14 PM | | while it is great to have such an extensive list of lawyers to choose from,
chances are that some, if not most either don't practice that 'type' of law or
are in a conflict of interest. To narrow things down perhaps start by looking
for personal injury lawyers and/or review the AICAC decisions for names of
lawyers who have represented other claimants. I have read a lot of those
decisions and while most people are self-represented or have a family member
representing them there are a few lawyers to be found among the decisions.
Just a thought... Google AICAC Decisions and you will find them online. |
| | quadmom | March 30, 2009 1:39:35 PM | hi everyone......i haven't had any problem finding lawyers who could act on my
behalf wile fighting MPI. i have also found that if you threaten MPI that if
you don't get what you deserve you'll go to the media they jump....and most of
the time you get what's deserved.......i have done this on many occasions and
won!!
if you need a lawyer contact ellery strell with funk and strell or norm cuddy,
not sure what firm he's with.
good luck!!! |
| | James J | March 27, 2009 8:56:20 PM | @ Dear Dude,
That was really well written. You are absolutely right about their doctors. I
have had their doctors mention things about me that would make me sound like a
completely healed individual. It's obvious why they would state what they do.
In addition to that they can send you to any practitioner they want. It can
easily be guessed who's side their medical opinion would be on.
Claimants can also choose their own practitioners, hopefully it's a good choice,
but eventually threat is imposed by MPI to rush the claimants healing status.
More people share knowledge of their experiences on this site,
With gathered understanding, careful reading over of their files, reading the
MPIC Act, or reading the material from www.nofaultvictims.com then it's possible
for a person to represent themselves. |
| | Dear Dude, | March 21, 2009 2:39:34 PM | In reading the info passed on by James J, it is important that you have a proper
understanding of what you are up against in your quest to challenge MPI’s
ruling. I think J J is trying to be as helpful as he can, however there is much
more that you should know about how to fight MPI, and on what basis.
The fight is not just as to whether or not MPI has complied with all sections of
the MPI Act. MPI could be doing everything proper but the medical consultant or
Independent Medical Examiner could have provided a report or opinion which is
dead wrong, and it needs to be challenged. MPI could be well aware that the
medical evidence they are relying upon is faulty but they don’t really care
because they have plausible deniability based on “we trust our medical experts
to tell us the truth.” So part of the challenge is, did MPI encourage the
writing of such reports knowing this so called expert is defying your
neurosurgeon and/or orthopaedic specialists report(s)? If so MPI could be guilty
of acting in “bad faith” which is yet another argument to not just simply set aside.
The point I am getting to is that isn’t a matter of reading your file careful,
which is a “no brainer” regardless of what situation you are in. Regrettably
there are very few claimants who understand the system well enough... or know
how to conduct effective medical research... or know how to overcome MPI’s
medical experts’ opinions... and could recognize when MPI may be acting in “bad
faith”. Whoever represents you, ought to possess all of these skills. Don’t
settle for less. Your options for representation are:
a. Yourself... if you feel comfortable you can get the job done then go
for it, there is nothing like the compelling sympathetic argument of an injured
accident victim fighting for income benefits so his family can afford to live
respectably. The odd time this works.
b. Lawyer... good luck trying to find one worth his/her salt. They are not
easy to find, and then findig one who is worth the money being charged. The
reality is that lawyers just don’t believe they make enough money to give you
the best effort you deserve. They wish to get in and out as quickly as possible
without rocking the “political” boat. Lawyers even admit this, so don’t just go
by what I say.
c. Claimant Adviser Office... the government should be ashamed of how this
office is set up. They admit the CAO is immune from prosecution in the event
they really mess up your appeal, that you should have won, but didn’t. Claimant
Advisers won’t challenge MPI’s abuse of the system... they focus purely on
technical application of the MPI Act, and usually nothing more, plus right now
there is close to a 2 year wait list for them to get to your appeal. All of what
I am saying is out of their own mouths and not just my opinion.
d. Family Member or Friend... MPI loves this one, because 999 times out of
a 1,000 this person only has a bit more knowledge than you of everything that
needs to be done, and lacks the sophistication of how to interact with
physicians and treatment providers effectively to get positive results in
offsetting the bogus medical expert report from MPI
e. Independent Representative... these people can be very effective, as
they usually have the most knowledge of all your options, even lawyers who know
the law but nothing else. These individuals make a living out of working with
the system; know how to interact with physicians, etc; know how to do effective
research; and are not politically sided with anyone other than you. Make certain
they give you proof of having Errors & Omissions insurance. I used an
independent and for me it was worth the $600 I paid, as I won my case.
I am all in favour of pro-choice regardless of which direction you go. I simply
wanted to make you aware that you do have options. Your selection should be
based on exactly what are the grounds for your fight against |
| | James J | March 15, 2009 3:19:23 PM | @ dude
It's hard to find a good lawyer. Most will want money up front and they charge
around $175 - $250 per hour on most occasions.
There are some lawyers in the Richardson Building and in the Skyrise Building
attached to the Scotia Bank Building. They seem eager to take money for
"possible" results. The lawyers in the later building seemed more knowledgeable.
Your friend can probably do without a lawyer, but it takes dedication in reading
MPIC material like the MPIC Act Getting a copy of the full claim file. In the
end the MPIC Act is the Law, it's trying to prove that MPI/Case Manager is not
following the books.
Has this friend been cut off IRI by MPI? or is it other issues? If he is seeking
advice leave an email on here and I can contact you. |
| | dude | March 13, 2009 2:53:08 PM | | Hi does anybody have any lawyers names they like to post on this site. A friend
is looking for 1 to see his case through.please post the names of some compitent
lawyers who are not corrupt or been paid a retainer fee every year by MPI, so
their is no conflict of interest. Heard the do that so you cant retain the best
lawyer firms in town to use against them. But the other firms dont like the heat
MPI gives them either. thx |
| | James J. | March 11, 2009 9:23:35 PM | Though I wrote this up quickly and might have missed a few areas this would be
the start of my requests for improvement to how Manitobians are paid out not
only for settlement, but for IRI.
Under MPIC I feel that anyone who has made a legitimate claim and has suffered
from an accident should be entitled to a bonus settlement of at least one year
employment which would cover for pain and suffering. Not sure what the current
highest settlement offering is, but with the rating scale which is offered it is
almost impossible to reach the $130000 or so amount. Instead of offering rebate
cheques that money should accumulate and be offered in more reasonable amounts
to those who are long term sufferers. Anyone bound to a wheelchair caused by an
accident should receive 10x more than what is offered. Anyone how has injuries
which will never go away and always cause pain should be paid 10x more amount
currently offered. Anyone who pays insurance no matter how many years they have
been paying in should be entitled to 10x more the amount currently offered. We
are people who under unknowing circumstances became involved in Motor Vehicle
Accidents. We are people who pay for insurance and deserve better coverage.
I also feel that MPIC’s whole way of covering people should change. Under
current regulation Student’s, Seniors, non-employed, low income earners and even
highest earners suffer heavily. Everyone pays the same for insurance, everyone
should be covered the same. Giving those who earned higher incomes opportunity
for retraining while those who earn less have no opportunity is unfair. Anyone
who has been in an accident should be allowed a minimum of 2 years to earn a
better education for a higher earning career (not including the time you need to
recover after an accident). For the highest earners you shouldn’t be so heavily
penalized for getting into an accident, there should be no money limit on
income. Under MPIC you cannot pay toward EI or CPP benefits I feel that should
be covered under the 10% they take from your income when paying you the IRI.
It’s bad enough having a MVA, but then having to fight for the small things that
make your slow recovery sustainable. Anyone who has been in an accident should
not be limited on the amount of Chiropractor or Physiotherapy appointments they
receive. Coverage shouldn’t be based on some make-believe plateau. |
| | To seriously concerned | March 11, 2009 8:55:55 PM | It is interesting that you wish to all of a sudden begin to talk about MPI
Reform Coalition and IRX again. I suspect that you are nothing more than an MPI
supporter as your post comes on the heels of a substantial victory for all
claimants.
MRC isn't run by IRX. It is an independent body with 5 people co-chairing, of
which I am one. We don't need to post on here simply because it doesn't
generate enough traffic and No Fault has their own thing going, so we
respectfully wish to encourage them in whatever they are doing. There is room
for both of us.
Our membership has grown substantially greater than 128, and we have many
different initiatives in effect, which have not cost any member one cent.
As to your insinuation of: "Got pretty quiet here once this "Reform" Coalition
was exposed to the light of day." Allow me to respond. We thank you for your
increased interest in us, and our goals. As it is, we have been busy actually
accomplishing tasks, and achieving goals. We find this to be more productive,
than just sitting around complaining about things. We have enough quilts, I'm sure.
Have a nice day! |
| | mpisfavouriteclaimant | March 10, 2009 10:44:22 PM | | Eli,
I'm not sure of the head of Healthcare Services but it is certainly reasonable
to call them up and ask. You have the right to know, this is not top secret.
It could be Michael MacKay he's one of MPI's "go to guys"...I hesitate to call
him Dr., though technically I believe he is. A doctor by the name of Cosman
does some reviews for both WCB and MPI I think. Maybe it's him. They have a
bunch of doctors. I always wondered why these doctors don't practice real
medicine... I guess the money is too tempting. I know they are paid royally
compared to "real" doctors. If you were a money hungry doctor who gave no damn
about "first do no harm" and could be exempt from accountability under the
College of Physicians and Surgeons by working for an insurance company would
you rather have $1,750. to write a medical opinion or $250. to write a medical
opinion (this is the maximum amount allowed [reimbursed] for claimants to
acquire medical reports). Real doctors care about people not money. |
| | Eli | March 10, 2009 11:40:13 AM | | Can anyone tell me who is the head of healthcare services for MPIC? I've been
waiting for a response to my claim for 3 1/2 months now and was told this person
is one of the doctors in charge of this?
Help. |
| | James J. | February 15, 2009 8:45:52 PM | I like your demands, though I would like to add that MPI should increase their
Lump Sum Payments for impairments and the process in which they decide on the
payout. Thankfully I can still use my arms and legs, but only $130,000 if I did
lose use of them in an accident. For the most part that might fall under being
able to sue the at fault drivers. Maybe MPI can actually do as they say their
goal is "We Share Your Goal: Your Recovery" that should include spending all
possible money needed to allow a person to go back to their pre-accident life,
even if that means spending extra to send someone outside of Canada for proper
treatment.
Do you mind if other people use what you have written or parts of it when they
want to write their MLA's? |
| | fed up | February 10, 2009 2:19:51 PM | | Way to go guys, keep the phone calls up. nice to hear all the calls on CJOB
every first tuesday of the month, thats when GARY DOER answers all calls put
forth to him and his office to investigate problems with our provincial
government. Lets keep it up, and by doing so all the listeners can pass on the
infor along with its message. that MPI is a joke. Now if we can only get SAM
KATZ on there too drill him about doubling our property taxes. why do we pay 1/2
a million dollars for a guy like him to reach in our pockets for our cash.he
should be asking all employees where to save money first, i guess its too much
work to do that. take care. PS When is the date to make a stand on the leg.
grounds hope its early spring. |
| | JHonda | February 3, 2009 3:13:24 PM | | I just want to comment on IRX. All those who are putting down IRX need to
understand that IRX is well worth hiring. If you truly value your car or
getting money for your pain and suffering, you will realize the cost for
service is well worth it. The amount of time and effort that IRX puts into
each individual case goes far beyond the cost. I hiried IRX for a case i took
to arbitration, and came out a winner. I was in court representing myself with
the support of IRX, up against MPI goons, and came out victorious. The amount
of research and letters written to MPI, even an a appraisal was done for me,
prepared me well for court. If IRX is reading these blogs, I'd like to
personally thank IRX for all they have done. |
| | James J | February 1, 2009 3:37:12 PM | I have no need to post my email on here. I can contact people through this blog
or they can leave their emails. I'm a person acting in good faith and I'm not
out to make money.
@ Reality Bites, Moving On, & To seriously concerned - Though Moving On sounds a
little different, all these post seem similar in their writing technique and
agenda. If so the person/business behind it has too much time on their hands.
Your posts are filled with meaningless material. The term Rocket Scientist is
getting old too.
Part of To Seriously Concerned post:
Unless you are prepared to make yourself accountable for what you can and are
prepared to do for the good of the cause (changing MPI) then I suggest you bite
your tongue. I have yet to read that anybody, including you, have any specific
plans. On the other hand, all of the 128 members of the Coalition do. We would
never knowingly associate ourselves with people such as you, and a few others on
here, however that does not stop us from encouraging you to promote change
within MPI and get your own movement active. The more the merrier.
Not sure if that part is directed to me
I presented part of my plan in an earlier post: media attention, documentaries,
and interviews. Proof that MPIC is unjust either through claimants or health
professional thats aren't on the payroll of MPIC.
I have yet to hear a more probable plan from anyone else, just talk of renting a
hall and charging people money and bragging about 125 people on some list.
I am a real claimant with permanent disabilities wanting to help out other
claimants. Anyone who wishes to leave their email I will contact you and we can
start arranging something that will start helping all of us. Lets leave the
money hungry businesses out of it. |
| | To seriously concerned | January 31, 2009 11:02:10 PM | When they asked you about your IQ they weren’t necessarily asking you to count
how many hammers are in your bag!
You people just don’t get it. IRX or brad does not determine policy or platform
for the Coalition, and never have. How can anything get published if the people
who agreed to form it, don’t bother to give brad any feedback as to what they
wish to stand for, beyond a generalized statement “we want change”? The fact is
that brad has and still is doing everything he can to ensure that the Coalition
is far more than just him, or a collection of his ideas, or his agenda. You are
simply blinded by your own ignorance. He is but one voice of many, and is not
the leader of the cause. He is a worker, just like me and the many others who
have recently joined. Look up the definition of “coalition” and learn something.
If you read the postings clearly, nobody has been put down for having a positive
idea about or promoting change. The only thing being put down is the whining,
belly-aching, and undying proclamations of self-righteousness by you and others
motivated by a maligned spirit of what is right or proper. Aren’t you tired of
being such a negative force? Building yourself up by putting others down is
simply irresponsible!
We (the original members of the Coalition) knew that MPI would try their best to
infiltrate our ranks and try to disturb the cause. We all agreed that when such
people call to get information, and or people refuse to give proper
identification, we re-direct the conversation. I have had such calls and done
exactly what brad has done, as have others. So if anyone wishes to contact us,
there is logic to knowing who we are speaking with, even if only not to waste
our time with insincere people. I can only suggest that if the chat with brad
and the Coalition was with the exact same mentality as you have continuously
demonstrated on here, then I for one would not wish to engage your insincerity,
or should I say “insanity.”
Unless you are prepared to make yourself accountable for what you can and are
prepared to do for the good of the cause (changing MPI) then I suggest you bite
your tongue. I have yet to read that anybody, including you, have any specific
plans. On the other hand, all of the 128 members of the Coalition do. We would
never knowingly associate ourselves with people such as you, and a few others on
here, however that does not stop us from encouraging you to promote change
within MPI and get your own movement active. The more the merrier.
At the end of the day, this is the last post on behalf of the Coalition. When
you insult brad you really are insulting all of the people who first met and
have since become involved with the Coalition. Any post that does not come from
me is not an official Coalition posting. You and others like you have turned
MPISUCKS into a one-sided battleground of hatred and ignorance. You are the
epitome of what is wrong with forums of this nature. |
| | Moving On | January 31, 2009 12:29:39 PM | Revelations.
Lately I've had a few due to recent events in my life.
Have been experiencing bouts of severe pain, very little sleep for days, and experiencing paranoia
because of this whole MPIC reform coalition and IRX thing.
Then I wind up in an emergency ward last Monday with extreme crippling pain in the left shoulder,
chest and arm.
I suspected it was one of my accident related injuries acting up due to a rapid change in the weather
but wasn't sure, also thought I might be having a heart attack.
Turns out my heart is okay, it was an accident related injury acting up, but it scared the $%!#* out of me
and made me do some soul searching.
The distraction made me aware that a lot of my recent anxiety and paranoia have been brought on by
the soap opera that's been playing out on these websites and the many faceless characters and aliases
involved in the scenario.
Brief History
Had dealings with WCB and MPIC for a considerable portion of my life, 17 or 18 years, will never get
them back.
Unnecessarily suffered a lot at the hands of many incompetent, greedy, inexperienced, robotic, and/or
unreasonable individuals involved in my rehabilitation, and likewise in my physical and psychological
deterioration to this point in time.
They were always suspicious of me, seemingly never listening to what I was saying, always had the
answers, many were wrong.
Policy and procedure, open the big book of rules and regulations, confirm, then process.
The thought that they may be causing pain, suffering, and other unaccessible losses does not enter
their minds.
I don't blame any of them as individuals, they represent and are overseen by the folks in the big house
on Broadway Ave.
Over the years I have watched both of these insurance companies changing over time, depending on
political parties and internal politics at the moment, they may be friendly and helpful for a period of
time, then suddenly they do a 180º flip and you are now the enemy, then pleasant again, then they
hire armed guards!
Somehow as things change within the system due to endless internal politics, many claimants fall into a
number of grey areas and get locked into a more than substantial loss of income due to handy little
income adjustments that are used to reduce $$$ pay out, and starvation tactics that are right up there
with terrorism in my mind.
(I would fall into this category, how about you)
Aside from my less than satisfactory state of health due forces beyond my control, my estimated
financial losses to date, due to insurance company magic, are conservatively in the high six figures,
maybe even seven figures, would have to sit down with an accountant and do some serious figuring,
and then add in all the things I had to sell to put food on the table during that time.
I am one of the few who actually showed up at the first coalition meeting, July of 2008.
I have been on board for action since the beginning, still am.
I am also an individual who paid a fee to IRX to attempt to resolve some of my claims, one more iron in
the fire where I'm concerned.
I've had my suspicions about them as well, have been paranoid a very long time and don't trust anyone
anymore.
For the time being I have no desire to worry whether or not they are legit, until they prove to me one
way or the other what they are really about, only time will tell, I still have hope.
Even if they are what some people have said, at least I will know for sure in my own mind, and I will
share that experience with others.
If nothing else, I was fortunate enough to have recommended to me by a member of IRX, an excellent
psychologist I had seen during my episode with WCB back in the 1980's, a doctor I had forgotten
about.
He confirmed I wasn't crazy, (ha ha), and got me thinking about a lot of things in a more positive light.
That in itself was worth a great deal to me.
As for the cash up front, you won't know until you pay up, I've been duped for a lot more by "friends."
To me the amount is insignificant compared to what the lawyers took from me to do literally nothing,
not counting my loss of earnings to date.
If it turns out to be money wasted, it's just one month closer to welfare, and another lesson well
learned, that's all it is.
After nearly 20 years of dealing with this crap, to me it's a small fee to pay for a little bit of hope and
the chance that justice may prevail.
Like buying a lottery ticket, you have a small chance of winning, better than no chance at all.
This will likely be my last post, and probably the last time I visit or have anything to do with any
websites concerning MPIC, at least until my health improves.
There are a few people here who know who I am, you have my email and phone #, call me when you
have a few more people who step up that are ready to proceed.
I have a new direction in life, and it doesn't include wasting any more time dealing with virtual people
on the internet and wondering who is who or why.
Step forward and be counted, or be silent.
I've been counted, see you at the demonstration/ meeting/ revolution. |
| | reality bites | January 31, 2009 1:04:19 AM | I have just got caught up with recent posts. Seems to me certain people have a
misguided sense of reality in respect of matters being discussed. For me it is
not a matter of being disgusted, appalled, or seriously concerned, it is
recognizing that not one person on here has all of the answers or ability or
resources to create the changes we need or want. The bickering, trash talking
and various degrees of self-righteousness are pathetic. People should be ashamed
of all aimed at people with whom they obviously have separate and personal
discourse.
Please don’t get me wrong, I am totally supportive of free speech, however based
upon what I have been reading, slandering others whether it is brad or IRX or
others, without a foundation of facts (not to be confused with heresay), simply
demonstrates the people doing the slandering are not leaders or ones who should
command respect from any of us. If people can’t rise above their playground
mentality, then they should keep their mouths shut until they can. The John
McCain campaign style is tiresome, and speaks more about the questionable
quality of the person.
I think it is safe to say we all agree that changes in how MPI conducts its
business are needed. Just too many claimants who are being taken advantage of
because they either don’t know the system or simply don’t have the resources to
fight for their rights. Fighting MPI, at an Internal Review or an Appeal through
AICAC, is not as simple as looking on mpisucks for free advice. The problem with
free advice is that you usually get what you pay for.
There are some here who seem to promote an advocate-less system suggesting
claimants can get all the free advice they need on here. These thoughts are
irrational! I am not promoting lawyers over claimant advisers over independent
advocates. The fact remains that there are a lot of claimants out there who need
help. You don’t have to be a rocket scientist to appreciate that MPI prey upon
those where English is not their first language; those who are not well
educated; who are income challenged; who may live in the wrong part of town; or
even may be subject to the not so subtle undertones of racial profiling. If you
don’t believe this to be true then you really are out of touch with reality.
We need to understand if we are ever to actually going to change MPI, it is only
going to happen with a movement supported by people who are actually going to
immerse themselves in the change process. You would be grossly naive to believe
such change comes free of charge. Whether it is the cost of a hall; printing
newsletters or flyers; advertising; e-mail campaigns; fax campaigns, etc, the
fact remains you can only get so far without credible financial support. Of
course, injured accident victims are not deep pockets; however, it is incumbent
we all contribute what we can. The “free” fund will be depleted quickly. There
is dignity in having a sense of ownership.
A campaign to create this change requires leadership from more than one person.
Based on what I read, it appears some have tried or are trying to create change
without much, if any, support. Even if brad or IRX have a secondary agenda,
does it mean their efforts to seek change are without merit? Does anyone really
have the right to chastise MPI Reform Coalition for trying to create change,
simply because their way is not the same as your way? If positive change occurs,
are you going to trash talk it because it didn’t involve the right people or the
right motives, based upon your own personal opinion? A simple nod of the head
would suffice! (dumb, dumber & dumbest need not participate!)
MPISUCKS has gotten out of hand (moderator take note). I applaud your
intentions, yet so much discord comes from people who can’t be validated as to
who they really are or what their real agenda is. It occurs to me that MPI must
be rather ecstatic with what they have been reading. In fact they may actually
be the people doing the negative posting. Stop and think about it people. The
more certain people promote such discord the more we should question their
motives, as the only benefactor is MPI!
James J, if you really are sincere about taking on a leadership role, tell us
how we can get in touch with you. Don’t hide! Stand up and be counted! |
| | James J | January 30, 2009 8:09:17 PM | ?
Appalled even more, whatever, Dim Wit, Appalled, admittedly, very discouraged
I'm getting rather confused as to who is who. Are you all the same person?
It's making a big mess out of a blog site which is suppose to help individuals.
There should be no encouragement for a business that seeks to steal money from
people already burdened with money issues and who have been given the run-around
by MPIC. This site should be for free help and not some advertisement. As for
the rental of a hall, who would benefit from that it would be littered with
people working under MPIC.
What would us claimants get out of some hall rental anyway? If it's a business
that has organized the event then they will only get a better chance to persuade
people to fork over money for service/advise which can be acquired for free on
here.
What has to be done is media attention, documentaries, and interviews. Proof
that MPIC is unjust either through claimants or health professional thats aren't
on the payroll of MPIC. It's time to make a stand, it's time for a free
solution.
Anyone who wants to help get the ball rolling let me know. |
| | very discouraged, | January 30, 2009 1:48:14 PM | This is directed to any of the citizenry of Manitoba, whom are unhappy and/or
disgruntled at MPIC, for their conduct and policies. If you truly are an
individual whom has been hurt, rejected, ignored, and mistreated by any of
MPIC's minions, please understand this:
1. We tried to get a hall for free but it didn’t work out... only one
person offered any suggestions or took any initiative to find a hall at no charge.
2. All at the meeting agreed that if we couldn’t find a hall for free then
we would have to rent one, hence the request for $ commitments (not donations)
3. Everyone at that meeting in July wanted to be part of MPI Reform Coalition.
4. He did, at his own expense, on his own time, do a lot of research about
how to create reform... and in fact he distributed copies of certain material to
everyone.
5. He did not ask to be leader
6. Other than two people, no one else bothered to come forward to offer
support even with just time and energy... not even any moral encouragement...
7. Why is that people who can’t be bothered to actually take action to
create change find it so responsible to castigate those that do?
Have a nice day, see you all in the funny papers, |
| | Appalled, admittedly | January 30, 2009 12:46:19 PM | As stated, I admit that I am appalled, and actually glad to be such. I'll also
gladly admit, that you are admittedly a dim-wit.
Now that we've cleared that up, I'll go further and state that I am not
interested in any way, of arguing with idiots. No matter how bad they may want
to fight. Mostly, because they end up eating the crayons, instead of using them
properly.
No matter how much faith, hope, and and ambition we few have for 'the
populations freedom', it constantly is given away through apathy, laziness, and
selfishness.
May God Bless You All, and Protect You, cause you sure ain't going to do it for
yourselves, |
| | Dim Wit | January 30, 2009 12:32:02 PM | Dear like....super....really...unbelieveably...appalled,
There are many ways to meet for NO COST. I understand that the glitz, splash,
and glamour of being the 'saviour' behind such a high budget would be great
advertising for a little start up venture.
Interesting to note that you acknowledge 'brad' was offered a whopping 3 figure
sum but declined it "FEELING THAT NO ONE PERSON SHOULD BE OUT THAT MUCH"
so...are you publicly acknowledging the expectation of failure?
Your insecurities regarding your own competence, intelligence and inadequacies
are evident in your use of condescending vitriol directed at those who have
opinions which differ from your own personal agenda. Sorry to have rained on
your parade...if that is how you feel.
I am more than happy to have a sit-down intelligence test duel with you...we
can even use crayon if you like. This is not however, a competition to
determine who is more intelligent. Wisdom would lead you to realize that it is
futile to attempt to squeeze nickels (about the spare change available to MPI
claimants) out of a group of people who clearly are not impressed with
your 'offer' or ability.
Why do you care who is winning? Is it that you want your little piece of the
pie? It might be a good time to diversify... |
| | Appalled even more, | January 29, 2009 10:49:26 PM | To all the dim-witted individuals of whom think that the IRXperts, or Brad, are
out there to scam money from anyone, please, smarten up!
When a group of free-thinking, like-minded, unhappy individuals met last summer,
there were a number of questions put forward. Quite a number, actually.
And only one of them, had anything to do with money. And, particularly, what
would those interested be willing to donate, or offer a commitment to help the
cause. Even if it was 20 dollars. Just something, if anyone was willing,
and/or able, to help disuay the cost of a hall or forum rental.
He was also offered later, a sum of nearly 3 figures, for which he rejected.
Him feeling that no one person should be out that much.
I cannot believe the shallow level of intelligence, and near absence of
integrity that is out there. And people wonder why MPI does what they do.
BECAUSE OF THE THE APATHY AND IGNORANCE OF 'THE POPULACE' WHOM FIGHT AMONGST
THEMSELVES, EVEN WHEN THEY'RE ON THE SAME TEAM. Or are crayons needed, to get
this point across?
Get over yourselves, smarten up, and get your story straight. Our view is
'Unite and Fight', whereas MPI's view towards us is "Divide and Conquer".
Who's winning? |
| | Seriously Fed Up | January 29, 2009 1:33:32 PM | | To James J,
I have no hard evidence to support my theory on case managers, however... the
story you relate sounds remarkably similar to my own; creepy similar in fact.
I have long suspected that they have a system. First they appoint a low rank
slightly dim case manager. If this one is successful in screwing legitimate
claimants there is no need to move along the ranks. If the strategy isn't
working for them, they continue to 'up the ante' so to speak, by using
successively more experienced (and thus more costly to them) case managers.
The case managers use whatever tactics they can to bully claimants. The
majority of people aren't able to withstand this treatment. MPI banks
(literally) on this fact. I have read my claims file (at least that portion of
it that they provided to me) and have found notes made by case managers
COMPLETELY inconsistent with the truth. If 6 case managers each make different
notes then where is the truth? Nobody knows for sure and that is what they aim
to create so they can beat you at AICAC.
As for the vacations...yeah, I've noticed this too. And have you notice that
it always seems to happen when it is most likely to annoy the claimant and
delay progress of your claim. No small coincidence I suspect. I've heard the
claim of high case loads too, I seriously question this....it just doesn't seem
possible. Manitoba is too small for so many case managers to have such high
case loads. |
| | James J | January 29, 2009 11:06:57 AM | What determines the amount of Case Managers a claimant will have over the life
of their file?
I've had 5 or 6 already. The very first one seemed nice, tried to be a "friend"
Made employment and Education promises and tried to convenience me to admit that
I wasn't wearing a seatbelt, even though I had injuries to prove I was wearing a
seatbelt.
Second case manager more than willing to offer any devices to make my life
easier eg. chairs, obus-forms etc.. But also heavily messed up the process of my
recovery with overloading my physical limitations.
Third case manager was mean and tried to get me to become out of hand and fight
back in a way that would only benefit MPIC.
And so on... And all seem to re-word everything you tell them or try to change
your story after each Case Manager.
Case Managers seem to go on "Vacations" several times a year. Is it for more
training in psychology? Studying of the cases they have?
Almost all of them have told me that they have at least 50 different claimants
to tend too.
Does everyone else have the same experiences with their Case Managers?
@ bbadmin - You have written a lot of helpful material on here and on your
website, all of which has benefited us claimants. |
| | former coalition supporter | January 28, 2009 12:38:36 PM | | To bbadmin; I believe you. Don't be too hard on yourself. I too was somewhat
duped into the 'brad' thing. On the surface I support anyone who is willing to
stand up to MPI. I SHOULD have exercised due diligence and investigated more
as to the motive (of brad). I have always had a little reservation...concern
over brad wanting money from people to get things going at 'town hall' meetings
etc. I guess he mistakenly believed that we financially strapped and desperate
claimants were venture capitalists in our spare time !
brad had better not contact me either.
sorry to hear about the numerous case managers...I've had more than you. You
aren't alone. |
| | appalled, | January 27, 2009 5:11:34 PM | For the actual people whom are reading this site, of which are actual victims
and have actual grievances against MPIC, I commend you. I also intend to warn you.
Please, do your thinking for yourself. Investigate matters concerning yourself,
and your situation, to the deepest degree that you can handle.
Give up nothing. Never back down. Never EVER disclose any information of which
you don't want to be made public. You've been warned numerous times here, of
the wonderful liberal employees of the biased, slanted, and mis-guided MPI. It
doesn't take much investigation to find what their policies are, and their intents.
Anything you say, (or do) can and will be used against you, misconstrued against
your claim, and adapted as leverage against you. Please, don't believe anything
you may be reading about some other posters (imposters) here on this site.
Learn for yourselves. The touting of how wonderful the system is, and how many
great safe-guards are in place, and how euphoric that they all work together in
harmony is absolutely evil.
Soley intended to dissuade you into thinking that they are the almighty,
ever-knowing, and supremely-powerful entity of mankind that are to be the only
ones ever entrusted to look out for your well-being.
Or you can think for yourself, stand up for yourself, fight for yourself, and
win your battles for your own well-being, best interest, and personal rights.
And, as free citizens of a free country, you also SHOULD have the ability to
CHOOSE whom you want to help you, in your defense.
MPIC, in all their wonderment, wants to seriously hamper, inhibit, and just
plain prevent you from having an actual choice. They've even attempted to write
that, into law. Does that sound like it's 'helpful' to the citizenry?
I think not.
May God Bless Us All, 'cause MPIC sure won't.... |
| | James J | January 26, 2009 8:35:51 PM | Quite a lot of posts since my last visit.
@ dude - Lawyers are helpful if people are unaware of MPIC and it's policies.
There is a maximum cash payout of around 130,000 for the most severe cases, most
people will see less than 50,000. Most lawyers in Manitoba when working against
MPIC will charge an hourly rate, most are $175+ an hour. How many hours are
required to gain a $1000 more on your payout? Not saying for people to go
without a lawyer, but also I wouldn't encourage it.
Appeals Com. If that means Appeals Commission, they are there to hear both
sides. If MPIC has a viable case against the claimant then they could possibly
win the case. Depending on what the claimant is bringing forth to the panel and
has to say in regards to their claim and can defend themselves against what MPIC
says determines the outcome. Appeals Commission (AICAC) tries to be fair in
their decision.
Claimant Advisor - Should only be used to acquire the information you need to
defend yourself. I wouldn't recommend having them speak for you.
@ Edmundo Miranda - I appreciate your honesty and your ideas. I think we should
have an organization, but I think it shouldn't require money, because a lot of
people fighting MPIC are lacking funds from what MPIC has done to them.
Donations for an organization could be an idea, but to where that money is spent
it would have to be written up and agreed upon.
@ "Certain Individuals" - Shame on you for trying to swindle money out of people
in need.
I am a friend to anyone on this Blog therefore anyone who needs help can ask and
I have no problem giving the advise people need for free and if I don't have an
answer for something, I'm sure another friend on here will. |
| | dude | January 26, 2009 1:44:11 PM | | also would like to say, if you use the appeals com. thats your last stop, if you
loose its all over. these folks are not lawyers, and MPI uses their lawyers. I
rather pay 1/3 of my claim, than take a chance at getting 100 percent of
nothing.They are a tool that MPI uses. if they loose no re course for you, do
you want to take that chance, I dont.Ask your self, why you would go to a
business that get paid by the people who you are fighting against.At least a
lawyer will have to fight to get paid, along with infor for the next time.Why do
you think they are trying to stop lawyers from helping you with your claims.They
put out retainers fees every year to all the top lawyers in this town, and are
trying to pay off the Manitoba Law Society, as they do with everybody that trys
to help people.They buy their silence and co operation, and this is why they
dont want to open up the books for tax payers to see.They are nothing short of
public funded gangsters, since they are beating down organized crime,and are
trying to control anybody who speaks out about them and their big bags of cash
for them selves, and the rich for the capitals projects they need to do.wonder
who gets a hand out when the native people settle their land claim. also why
now, is doer term up! MMMM.thx PS you got to be native to get things done by
this government, or at least act like them and stand up for your rights as a
coalition, and march done to the leg for justice. set a date guys or forget
about it. and thats my 2 cents kent brockner |
| | not-a-rocket-scientist | January 25, 2009 10:58:22 PM | It should be safe to assume that aside from those MPI staff lurkers out there,
everyone who visits this site/blog has a similar problem. Some have issues
with repairs, immobilizers, injuries or rates...we all have our problems with
MPI. We are all on the same team and it is that sense of teamwork that will
make a difference.
What I don't see a need for is someone to make a business out representing
claimants without a PROVEN track record of success or any means of recourse for
a claimant should the person screw up royally. The Claimant Adviser Office is
available free of charge and in my experience they are highly intelligent and
have claimants interests first. If they make some disasterous error...at least
a claimant isn't out any extra money. Hiring a lawyer is an option for some if
they have the financial ability to do so. Again, in the event of some
disasterous error...at least lawyers are accountable.
Hypothetically, let's pretend that a small business sees an opportunity and
decides to fill a market void by offering to represent claimants at various
stages of appeal; I pay this person...$50. and give them all my documents. 2
weeks later I call and they still haven't had time to review my file. Another
2 weeks and they need more money. Finally they review everything, are
completely overwhelmed by the complexity of my case and freeze in their
tracks. They don't return my calls, they don't return my documents. Now a
claimant is 'out' whatever money they paid to access this service, they are
also 'out' a copy of their claim file and will have to pay MPI to receive a
second copy not to mention the loss of valuable weeks. What recourse is
available? (Lawyers return your paperwork at least)
In my never humble not-a-rocket-scientist opinion, any 'Joe Blow' without
experience is going to be crushed at Internal Review or AICAC. MPI has stacks
of lawyers paid for with our premium dollars waiting to earn their keep and
climb ranks by successfully sticking it to claimants. They are good at it,
skills honed over the past decade plus, to the detriment of injured
Manitobans. I dare to guess that if your health and future is on the line it
is best to have experience on your side.
Back to my opinion regarding the PROVEN track record. I feel that any business
that can't provide excellent references and prove their expertise and
competence unequivocally is a business that persons should think twice about
before handing over money. This applies to medical care, home renovations and
car insurance among many others. I personally would not want to be one of the
first 'practice' cases in any of these disciplines.
Whether someone hires a small business who wants to fill a niche
by 'representing' claimants at various stages of appeal or whether someone
hires a lawyer it would be wise to inquire about the number of claimants he/she
has previously represented and what the rate of success is. How much they
charge, by the hour, percentage, flat rate? If you have a question, ask it.
Get an answer, preferrably in writing.
Personally, I seem to have missed the slam campaign, hidden agenda or
slanderous insinuations (which technically, I think is a contradiction given
the definition of each word in that last phrase). One person voicing an
opinion does not make a campaign...sadly...or I'd personally be running MPI and
with a lot more common sense, compassion and integrity, I might add.
Take a deep breath. MPI Sucks. They need to go. Let's work on that in a
collaborative fashion. |
| | Frustrated, | January 25, 2009 11:43:08 AM | I cannot believe the gullibility, frivolity, and just plain idiocy of some people.
To attempt to start some conspiracy theories, about certain individuals and/or
organizations, is just plain dumb. And, to add to that, there are others whom
think automatically, that since it's in print, it must therefore be true.
Please people, learn to think for yourselves.
Let me explain: This website/blog exists through the benefaction of a few, to
get the word out about a scourge in our society. There are a few individuals,
whom have the gumption, strive, and ambition, to actually tackle this giant, and
do what's right. Success is being made, as well.
Then surprise of surprises, all the sudden there seems to be a 'slam campaign'
going on, about the 'hidden agenda' and whatever other slanderous insinuations
can be invented.
For those whom aren't rocket scientists out there, who stands best to
profit/benefit from the silencing of the actual injured people? Whom do you
think is behind the mudslinging? Don't forget, one can go back and read months
and months of actual horror stories, of actual people screwed over by a corrupt
government organization. No better than a Salvadoran Police Force, or some such
type with the motto of "COMPLY OR DIE".
Say something if I'm incorrect here, but people, don't let yourself be led by a
maniac. Cause all you'll get is crazy. I myself have fought against MPI's
ongoing and continuous corruption. On my own, and after spending thousands of
dollars out of my own pocket for a lawyer.
All to get what they 'say' in their 'offered services' that which I was (and
still am) entitled to, to begin with.
Now, don't you think, as a citizen, a civilian, and most importantly, as a dues
paying member of the free-thinking consumer group that we should be able to
choose how we want to conduct our own business?
Or would you like to have all of your options dictated to you? Some more?
Think about it people, please,,,, really think. It shouldn't hurt. |
| | L | January 24, 2009 12:55:16 PM | | Please note that 'NoFaultVictims' and 'victimsagainstnofault.org' are separate
entities. victimsagainstnofault.org hopes to 1) educate people about no fault
insurance, 2) foster a sense of community among those who are abused and
marginalized by MPI's claim handling practices and 3) be a catalyst for
reform. There is no charge. Our assistance is offered from a genuine and
sincere wish to help others who have a challenge with their claim. |
| | mpi's mission statement makes me puke | January 23, 2009 8:26:20 PM | | I talked to Edmundo. His English isn't the best. However, the guy is seemingly
decent, sharp, resolute and is going to stand up to injustice. |
| | stephanie | January 23, 2009 5:47:19 PM | | My car was recently stolen in Edmonton. Unfortunately, and totally
coincidentally, this is the second time it has happened. I do work in Edmonton
& spend the majority of my time here but my car stays in Manitoba most of the
time. MPI has denied my claim this time around. They did not bother to call
me, but rather sent a letter with very vague explanation. They never asked
questions, never asked for receipts to prove that I travel back & forth, I have
NO property, lease or rental - no permanent address in Edmonton. They have had
no problem taking my $ monthly for the past 3 years, even when I've been
completely honest about my work/living situation. I was always told by MPI that
as long as I travel back & forth I am still covered. I am now without a car,
without $, without answers. If anybody knows of lawyers or anybody who can help
me out, PLEASE email me. stephaneenikol@hotmail.com. Thank you. |
| | Frank | January 23, 2009 5:40:25 PM | I just heard about MPI Sucks. After reading all the blogs, I can relate to the
frustration expressed in them. I too am a victim of the MPI bureaucracy. Last
year I was involved in a car accident and suffered multiple injuries including
my back. I was examined by my doctor who prescribed treatments. I tried to go
back to work but it was too painful.I made a disability claim with MPI. They
paid for a while then cut me off saying my back should be healed by now. I am
not able to work because of the pain. I have tried to get a lawyer but many
have a conflict and besides, they cost too much. I need to fight MPI but am not
sure how to do that. If any of you can offer some help or advice I would
appreciate it. This whole thing is stressing me out and dont know where to turn
to. Please email me if you have any suggestions. Thanks. fsolski3@gmail.com
Frank |
| | mpisfavouriteclaimant | January 23, 2009 3:22:05 PM | | 3 cheers for Edmundo ! CBC Winnipeg News at 6 is going to have yet another
story tonight of someone who is being abused my MPI mismanagement and dare I
say....corruption. Watch if you can and contact the media to share your own
story. If the media is bombarded with personal accounts then perhaps they may
start to take more interest. |
| | Edmundo Miranda | January 23, 2009 11:17:46 AM | Now for the victims of MPI, be aware of a scam that's going on here and in
another sites, I have proves that there is people keeping you guys entertained
here for us not to get together. I dont know whos paying this people to
sabutage our plans in getting together . its either MPI or somebody relatad to
MPI, and if it is none of that, then it is a scam, they say they will give
advice for a fee, ok people we dont need advice, we need acttion, I mean
acction in a peace full and diplomatic manner, Believe me please, we can do it
together. Forget that people from IRXPERTS, they can't and they will not do
anything for us other than keep us here is this sites, prove me if Im wrong,
tell what have you guys gain with them ? Did any of you have payed to them
alrready ? If so I feel sorry for you. I got 3 diferent e-mails from the same
pretending to be a diferent perssons, that persson dont want us to get together
and have even treatning me with removing my post in his website , BE AWARE
PLEASE.
My name is Edmundo Miranda, I live in BC and my phone number is 604-585-8834,
mu e-mail is edmundoe.c.miranda@hotmail.com, you can contact me anytime and
lets stop this ambushed MPI secret agents. ( You can call me crazy but Im not )
I would even put my picture here if I was an addm. because I have nothing to
hide and nothing to lose, all I had MPI took from me in the persson of Ron
Highams, an incompetent out of province case manager, so incompetent that he
tough that following MPI act was not enough that he had to even worst than
that, anyways...
Trust me, I know waht Im talking about, for 10yrs I have been fighting this
people and fight the ways they have to slowlly kill people like me, If Im gonna
die it will be on Good's hand or on my own hands, and believe Im ready to die
for justice for me and other victims, so, to dose people that trying to scam
us, and keep us apart you better think twice and watch out for the way you try
to make a living with our money.
Sorry to the good people for my English, I can speak but can wright very good,
and on top of that at this moment Im very upset and mad.
Have a great day.
Thank you! |
| | Edmundo Miranda | January 23, 2009 10:53:41 AM | Whoever you are, you want me to ambush and fight MPI ? Sorry man, but thats
not the way Im .
I have nothing to hide, I'll show my face everyware, and whats the problem of
MPI came here and see who you are ? Do you have something to hide ? Is your
claim a fraud ?If not you dont have to hide and be scared of them.
The only way to fight them is showing our face to the manitobans, to Canadians
and even the World, the World need to know that Canada is not what they claim
to be,because MPI is more like a Social Imperialist party than a Inssurance
company, its more like the mob, some people have to pay the mob for protection
and have nothing , the World need to know what MPI do tho victims of accidents,
like what they'r doing to Steve Fletcher, SO DONT TELL ME TO HIDE . |
| | Edmundo Miranda | January 23, 2009 10:04:32 AM | | please do not post up all your infor on this site, becaues MPI is always reading
the posts. dont give them any heads up, for them to counter you in court. you
have to take them there to get justice,because they cant play with the law
there. only action to take is set a date to go to the leg, and get it out into
mthe open and media. thats the only way. if you have to speak your mind call
cjob every first tuesday of the month and blast gary doer on the air. good luck |
| | Edmundo Miranda | January 22, 2009 3:34:06 PM | Its time to act !!!
We need to get toghether, we have to organise a real group of people realy
interested in getting justice done. How ? I don't know very well how to do
that, but I have some ideas, like all of you, lets join ideas and came out with
a solution.
We need a leader to start to organise thing's . ( I'm not that persson because
my English is not the best, other wise I'm ready for anything, and I mean
anything. )
We have to create an organisation with funds to suport our case, I have some
ideas but we have to talk about it and improve. With time we will defeat MPI
because we are right, we have been frauded,literally robed by MPI and worst of
all, we have been slowlly kiled by them.
We all feel power less against MPIC act, but together we will be heard . Don't
just seat and read this, lets start to act right now.
I can start to organise a meeting, the ones interested e-mail me and I will
call you back with details .
EdmundoE.C.Miranda@hotmail.com
Divided we are sillent, together we will be heard! |
| | brad | January 21, 2009 11:32:13 AM | For all of those people who have expressed dissatisfaction with MPI for
whatever problem you have had with them, the MPI Reform Coalition is going to
hold a town hall meeting the 1st in March. If you have a story to tell or you
wish to get involved then I suggest you do a post on here....
Or call (204) 221-6415 and ask for Brad as I am the person organizing this
event. |
| | Craig | January 19, 2009 5:44:20 PM | If anyone has a vehicle damage claim resulting from theft, fire, or vandalism,
which is being denied by MPI, you will be interested to know we just recently
had two clients solidly defeat MPI in Small Claims court. The decisions handed
down were firm, as they revealed MPI's eagerness to deny such claims when they
believe the Insured is involved, even though they lacked proper evidence to
support their position.
We can help you, if you are going through this kind of fight with MPI.
References are available.
Feel free to contact us: www.irxperts.com or call (204) 219-9550 |
| | Craig | January 19, 2009 5:25:10 PM | Hi James J.
Well, my post was primarily directed towards needing at 6 claimants who are
willing to stand up to MPI and the Law Society for their right to have any
person they choose, paid or not, to represent them.
Yes, we are always interested in helping people. We offer an interesting range
of services, some additional ones soon to be noted on our website at
www.irxperts.com.
I won't discuss fees on here as there are many variables which impact on what
we might charge. If advice is all you are looking for then it depends on what
type of advice. We do not offer advice that only a lawyer can give.
If you have a matter and wish to chat about it, please give me a call at
219-9550 or go to our website and send us an e-mail.
I would welcome the opportunity to chat. |
| | James J | January 17, 2009 3:14:54 PM | Craig are you looking for claimants in need of help? or for claimants that are
willing to help other claimants?
Given the options of a lawyer, Claimant Advisor, family, or friend. With the
later two not being paid. I'm left wondering are the fine people at irxperts
charging just for advise? |
| | craig | January 16, 2009 11:59:49 PM | I see that MPI continues to be up to its usual standard of fine service. We are
taking issue with MPI over their belief that a claimant does not have the right
to choose who will be their representative. They suggest the options are a
lawyer (who get paid); or a claimant adviser (who gets paid indirectly by MPI);
or a personal representative of your choice who MPI says cannot be paid, and
they go even further to suggest this person can only be family or friend. Our
position is that we wish to be one of several service providers who like us do
have the necessary expertise to assist claimants with Internal Reviews and
Appeals.
We need as many claimants as possible who are willing to represent
consumers/claimants at large in order to challenge MPI.
If you are interested please contact me at craig@irxperts.com or vist our
website at www.irxperts.com
respectfully... Craig |
| | Robyn C | January 16, 2009 5:03:44 PM | | Thank you James for the comment and information. This is an avenue we are
definitely going to look into. For someone who was so "concerned" about the
welfare of my child and the dog, sure lacked the dignity and respect to take
responsibility of their actions. We live in a small town where everyone knows
everyone, something she will learn quickly. It is too bad this could not have
been dealt with civil like instead of involving MPIC who we all know make sure
they are making you pay the big dollars. While we could have done this privately
and a lot cheaper and gotten the same results. |
| | James J. | January 16, 2009 4:46:11 PM | Robyn this is located on the MPI website under claims.
Under Manitoba law, you and another motorist involved in a collision can sue
each other for the deductible and liability, if applicable.
In the end though, the courts have the final say. So, if you disagree with how
your adjuster has assessed fault, or even if you've appealed through our
independent review process, you can still take the other driver to court for a
final decision.
Was your 10 year old at fault? Should a 10 year old be at fault for something of
this nature. I'd say fight it. Sue the driver into paying for the deductible and
for counseling. Good luck on your fight. |
| | Robyn Collette | January 15, 2009 5:43:23 PM | | Our dog was hit by a vehicle last week. Our 10 year old was walking her and he
was devastated. We rushed her to the vet, she seemed OK - nothing broken, but
some internal lung damage. We left her there for 2 days and right before we
were supposed to pick her up, she died. We have a 10 year old and a 4 year old.
They were crushed...Today, we receive a letter from MPI stating that we may be
fully responsible for the accident and have to pay for damages on the person's
vehicle!! Are you kidding me? We've already paid for vet bills, are still
dealing with the grief and anguish that our children are feeling, and then we
get this?? There's got to be some way out of this. Does anyone know what to
do, or has this happened to you? |
| | dissident | January 9, 2009 4:08:06 PM | You are damned either way. The entire Act is self-serving and anti-claimant.
It will never change until someone with some courage and integrity speaks out.
MPI is a very fat cash cow for government...why would they get rid of it?
As for whether to fill out the form...perhaps you need a lawyer. Have you
tried getting advice from the Claimant Adviser Office ? I think the form
sounds like the "PCA" form, they 'score' it in such a way that you will most
likely not 'qualify' for assistance. Pointless to bother with the waste of ink
in my experience. If you say you can sit for 20 minutes and they send you to
an IME where the 'doctor' makes you wait 21 minutes....you'll be video-
taped "sucessfully sitting for more than 20 minutes" and you'll be deemed a
fraud. It doesn't matter how much pain you are in while sitting....fact
is...you can sit. The ultimate goal of MPI is to hold on to every penny they
can under the guise of 'responsibility to rate-payers'. Then they claim they
are wonderful by giving us a few dollars back in the form of a rebate. |
| | James | January 8, 2009 7:19:46 PM | Do I actually have to fill out that Level of Function form? Section 160(b) of
the MPIC Act is the only part I found that might mean I have to fill it out. Can
anyone confirm? Thanks in advance
I know it's designed to be used against me. |
| | dissident | January 8, 2009 4:45:14 PM | | Ah, the Level of Function form. Most likely to be used to scrutinize what you
say versus what they video tape (surveillance) you doing. |
| | James | January 8, 2009 4:20:17 PM | Has anyone ever received a Level of Function form?
If so does one have to fill it out?
Thanks
James J. |
| | pablo | December 24, 2008 11:36:03 AM | | car accidents
to all the smart $%!#* $%!#* suckers, it was not me that got into an accident, but
a person I know. he got into a car accident and went to the victoria in a
ambulance. he complained about stomach pains which the doc found. later doc said
we needed to take a cat scan of the stomach. because doc seen the scars from a
previous operation from appedix removal along with cancer. never had to get
treatment for cancer. then doc asked if he had problems before, he mentioned car
accidents, then right after that new shift doctor came in, and was supposed to
do the scan, he kicked him out and said you can go back to work in 5 days. turns
out 5 days became 7 months, after 4 months he found he was loosing weight and
tired all the time. he had previuos back and neck problems from other car
accidents. but soon as he mentioned MPI, they kicked him out. so he went a got a
colin check up and found stage 3 cancer along with internal bleeding which was
caused by his seat belt, thus started the cancer and made it spread. now he is
doing chemo for cancer. lately he went for a bone scan and now finds it in his
bones. when it is in your bones and is in many places your done. everybody has
cancer its just what triggers it off to spread, and for him it was the
internally bleeding form the seat belt. to this day MPI hasnt paid him a dime,
ands its been over a year. guess they are waitnig to cancer to over come him so
they dont have to pay. merry christmas |
| | I believed MPI's mission statement | December 2, 2008 6:55:44 PM | | Uninsured, give me a call 275-2527. The part about your parent resonated with me. |
| | turn off the main water valve | December 2, 2008 4:52:12 PM | | Uninsureds posting is an example of a good, informative and useful posting that
can help others. Some of the other postings on this blog are just personal
whines that offer little insight and information for other claimants. Going to
the Ombudsman is worse than useless. The Ombudsmans idea of a so-called
investigation is to ask MPI some questions and then to take MPIs answers at
face value. Then if you later complain to anyone else such as your MLA, MPI will
only be too glad to show them the Ombudsmans report showing that your
complaints are baseless and that youre a nut case. As for MPIs legal
department and MPI as a whole, theyve been beating claimants for years. You
think that they dont know the tactics, questionable or otherwise, by which to
beat claimants. Its very important that when you challenge your adjusters
decision that in your application for review, that you comprehensively--anything
and everything as long as its not frivolous or vexatious--state your case.
Theres an onus on MPIs lawyers to address your legitimate concerns, and if
they dont, then you go to the external appeal and argue how MPI evaded
addressing issues. As an aside, its similarly important to effectively
(comprehensively) state your reasons for appealing MPIs decision, if and when
you go to appeal. |
| | Uninsured | December 2, 2008 4:42:20 AM | | Oh yeah I for got to add when MPI succeeds you don't according to their famous
PR slogan. Got to go plan a funeral now. |
| | Uninsured | December 2, 2008 4:12:59 AM | Been through the bogus process of Internal Review.
Presented evidence that the initial doctors reports were incorrect, that the
internal review officer (Robinson) tried to cancel the appeal (apparently sick
but could still call me from work (MPI number) and apologize for the
inconvenience) after I waited months and then (I insisted that they keep the
date and assign another appeals case appeal officer)and then Pemkowski after
reading my file with 200 pages in three hours prior to our meeting claims to
have inadvertently (more like convienantly), misplaced evidence that supports
my position I personally gave MPI, with a witness present.
That apparently they don't have the power to get medical reports. If it
benefits their position a subpoena is issued and they demand reports in 30-60
days. If the information benefits your position they sit back and wait for
months to tell you about the lack of correspondence, cover up their mistakes
(according to the MPI act) and let you sit and wait for another 30-60 days and
finally deny your claim based on that they don't have the power to force the
attending medical practitioners to disclose the required information. I waited
for 10 months before the Manitoba Pirate Insurance appeals gave me and answer
will rightfully knowing that dening my PIPP benefits will drive me into
bankruptcy.
Anyhow I have been approved and backdated 13 months of pay from my company's
disability insurer so as it sits that I have income before the accident and
according the act they owe me the PIPP. I have applied and will be appearing
before AICAC in 8 months to embarrass the case managers.
Don't even get the Manitoba Ombudsman to investigate its a farce and a waste of
time(yeah right there to protect you rights). I did all the work for the
appeals and disclosed the mistakes and MPI violations and this so called
investigator advocate for the commoner is telling me after they denied me the
ability to care for myself and my 85 year parent MPI, acted fairly.
My parent died last Friday that I have provided care for 19 years until these
$%!#* ing uncompassionate $%!#* s denied me income so I couldn't afford to buy a
decent vehicle that I had before the accident to be able to do what I had done
for 19 years before a vehicle decided
to run a stop sign at 70kmh and take me out? My parent slowly but surly went
down hill since the accident as I couldn't be there as often to do what I have
done for 19 years and take care of my parents needs. That's what you get for
being a good customer with MPI for 27 years with limited claims.
What is it the you want to know about? I have become a pretty good advocate and
would love to share my new found knoledge to help you!!!
Uninsured |
| | dude | November 25, 2008 9:26:14 AM | | tried those guys at merchant, forget it got to look futher thatn
saskatchewan.like B.C. or T.O. where people have rights and courts do justice
and not turn a blind eye in favour for MPI and lawyers go after them and not
hide and do the min and suck your blood in this town. |
| | ripped off class action law suit from another province | November 22, 2008 10:21:04 AM | THIS IS WHAT TO DO AND WHO TO CONTACT.
Class action launched over scratch and win tickets
Last Updated: Thursday, November 20, 2008 10:21 AM CT Comments57Recommend57
CBC News
A Regina-based law firm has launched a class action lawsuit over scratch and win
tickets.
The Merchant Law group, headed by well-known lawyer Tony Merchant, filed a
statement of claim against the Western Canada Lottery Corporation on Tuesday.
The suit comes after a CBC News investigation in Winnipeg showed that retailers
were selling games such as Texas Hold 'em Poker, Lucky 7s and Set for Life after
the top prizes had been won.
The claim was filed with the Court of Queen's Bench in Regina. The firm says it
was filed on behalf of everybody who bought scratch and win tickets since Nov.
1, 2001.
The Western Canadian Lottery Corporation has since made changes so that the list
of prizes already won is featured more prominently on its website.
But according to Tony Merchant, the practice of selling tickets after the top
prize has been won defrauds ticket buyers.
"They think they can win a million dollars, but they can't, and the lottery
corporation continues to advertise that they can win, but they can't win,"
Merchant said. "So it's a systemic fraud on the buyers of these tickets."
Allegations contained in the claim have not been proven in court.
The case is in its early days and the law firm is seeking ticket buyers to join
the suit. A major hurdle for the law firm will be to have the courts certify the
class action suit.
Merchant said he will be looking for "not less than" $100 million in damages.
The Merchant Law group is currently pursuing more than 40 high-profile class
action lawsuits, including cases dealing with toxic pet food, alleged chocolate
bar price fixing and cellphone charges. It was also one of the main law firms
involved in residential school claims.
WCLC operates the lottery in Alberta, Saskatchewan and Manitoba and the northern
territories. |
| | bbadmin | November 21, 2008 12:29:30 PM | I would like to talk to anyone who has been thru MPI's Internal Review.
Please Email me at
nofaultvictims@yahoo.ca
bbadmin
www.nofaultvictims.com |
| | mr j saunders | November 19, 2008 9:56:37 PM | DON'T WORRY EVERYONE,[ITS ONLY TIME]TO MY UNDERSTANDING,THE HEAT FOR M.P.I. WITH
ALL THESE CLAIMS OF INJURY[I.E JUST CLAIMS] WILL ALL DISSAPEAR ,ONCE THEY OPT
OUT TO ALLOW PRIVATE INSURANCE,AND YOU WILL BE ON THE LIST AS A BAD CREDIT AND
$%!#* OUT OF LUCK....,YOUR PREMIUMS WILL BE HIGHER THAN THOSE WITHOUT CLAIM,AND
THERE'S NOTHING THAT CAN BE DONE....,YES BECAUSE YOU WILL BE RESPONSIBLE TO GET
A INSURANCE COMPANY TO INSURE YOU FOR YOUR PERSONAL INSURANCE AND THE QUESTION
THAT WILL BE ASKED IS, IF YOU HADE ANY CLAIMS PRIOR.....AND YOU DAME WELL
BELIEVE THEY WILL HAVE INFORMATION ON YOU [THINK ABOUT THIS] ITS JUST THE NEXT
STEP TO WASHING THERE HANDS,[P.S.]THERE FEELING THE HEAT..................
Mr Saunders:
If you’re warning us with this posting that MPIC is about to get out of the insurance game and leave Manitobans at the mercy of those "horrible insurance companies", I seriously doubt it. There is far too much money in it for MPIC and they (the Manitoba Government) would never give up their cash cow without serious ramifications from Manitoba voters. This, of course is what it will take to get MPI changed – a threat to their reign over Manitobans.
|
| | anonymus | November 18, 2008 9:12:20 PM | | I would be highly interested in a class action law suit versus mpi for the
mandatory immobilizer.
I had the immobilizer installed. It was botched. Mpi with CAA refused to
pay for the damages. $300 dollars. Kind of like the valet that refuses to admit
they scratched your car. Very certain this is not the only case. If anyone else
has been a VICTIM, I would like to organize on the "dirty little secrets" blog
here. To the creator...excellent site. |
| | anonymus | November 18, 2008 9:02:50 PM | | I agree, I have problems with maniyoba public insurance. How do you like the
voice when you call the 985-7000 number? |
| | mr john saundersb | November 16, 2008 9:49:11 PM | | where can i sign the list of injured and [srewed],or is there one,just how many
mpi insured ..injured people out there?[bigger than we think] |
| | mr john saunders | November 16, 2008 9:32:54 PM | | JUST HOW BAD IS IT OUT THERE...needless to say,i hade a injury by a drunk
driver,just starting a bussiness at the time,they assesed my income to only give
me minimal wage,barely enough to pay my bills,[short period of time]not even
enough to support my two little girls,which i'm a single parent,threatened a job
strenghtening program when i could hardly move,of coarse the program i did not
engage in,the pain was severe. so of coarse another loop hole to cut me off and
be on my marry way to this day 2 1/2 years later i suffer with severe low back
pain[damaged nerve also a burning sensation in my stomach,also a damaged nerve,i
just had a cat scan done in november 08. to only find the raw nerve in my
stomach is reacting with the one in the lower back,needlessly i can't get out of
bed in the morning[thank you mpi for your support[ $%!#* s] and by the way it
only took 6 months after the accident i almost packed my newly owned bussiness
up,which i had run souly, i guess its cheaper force us all on welfare.i'm 42
years old i can just imagine when i'm 60 , does the health care op to pay for
all these injuries[early disability pension is not looking so bad ] thanks mpi
I'M SO GRATEFULL FOR THIS SITE.....I'M NOT ALONE....... |
| | anny | November 16, 2008 3:48:28 PM | | hey people; since we are soooo sick of mpi- as i am...mabe we should contact the
"MERCHANT GROUP" law firm; they are the leaders of class action law suites and
have a superb reputation and many results involving government and bank
disputes- which they have won!!!why wait till Doer is out of office- nothing
will change unless we do something- how many victims does there have to be!!!!
my story is on here and my accident is 3 yrs past- my issues are too vast since
I posted last but needless to say mpi is F@#king horrible and an embarassment to
the "people of Manitoba". |
| | jon | November 12, 2008 9:18:43 PM | hi i just ran across the mpisucks web site i have been fighting them for a
while now i had surgery over a year ago and now mpi wants to give me onle
4368.62 or so for scaring and range of motion
my left shoulder is still screwed and needing to be scoped again but my iri
already got cut off and iam still unable to do most things i used to do like
sports and so on. (my life sucks now)
any advice on what would be a good step for a quick and easy way to get jutice
i can be reached by e mail mbmale206@hotmail.com |
| | dode | November 12, 2008 9:36:39 AM | | the government responsible for all the bad changes in MPI is old filmon
government. he changed alot, so most people have to deal with the BS. no fault
insurance and stating you dont need a lawyer, well thats BS now more than ever
you need 1. filmon fridays off with no pay. AARC was another so they can cut
down payment to you and the time for rehab. and lets not forget bring back the
jets scam for him to be re elected. PS we need to have a counter on this site
to see how many people are reading our posts thx. |
| | Seriously Fed Up | November 7, 2008 6:06:19 PM | | Pem'cow'ski is more like it. Real lawyers get real jobs. Those who graduate
at the bottom of their class work at MPI to belly up to the never empty trough. |
| | Un-insured | November 7, 2008 12:31:24 AM | My vote for worst employee of the year are Dianne Pemkowski, Legal appeals,
Debbie Moore Senior Case manager and Darlene Pereira Junior case manager, any
one else met these people?
Un-insured |
| | Uninsured | November 6, 2008 8:02:50 PM | Well contacted the useless Manitoba ombudsman in August and had a meeting with
them today. I asked for them to Subpoena the tapes (MPI Assessment and Appeal)
of the meetings at city place. Insist before you leave that you claims adjuster
sign a form that will release the videotape that is taken in each of their
special interview rooms (signs are posted that legally allow MPI to do so in
each room)in 30 days and please don’t attend any meetings without a witness who
also will take good notes.
Follow up with a FIPPA request (insist by written complaint) the Ombudsman in
30 days get the digital video as the act defined and says you have the right
to. Their highly trained case managers will be caught being incompetent and not
following the act as a result. If you have nothing to hide and are telling the
truth insist that the MBOmbudsman secure in 30 days a copy of the interview and
expose the incompetence.
They are little girls (MBOmbudsman) dealing with a wrestler (Manitoba Pirate
Insurance – ARRBEDARLAD) but if enough people insist on this action then it
will become a powerful defense against the MPI pirates and become a useful tool
for those accused of not telling the truth and expose the incompetence as it
sits. The MBO are useless at this time but are the gatekeeper to this digital
video that will empower those feeling screwed by a defective system. Press them
hard and lets open up a loop hole that we have paid for MPI to use against us
but don’t allow us to use against them when thy are incompetent.
Un-insured. |
| | greek | November 5, 2008 6:24:09 PM | | hi they way things are going not much is going to happen. exsp when they are
trying to install cameras around town and hardly nobody shows up to even ask
questions. this is their gauge on how much they can do with out public back
lash. MPI uses the same tactics. if no 1 is going to the hill them game over. it
boilos down to everyone for them selves and uses their own tactics win or loose.
but if we make a stand on the hill we have media backers that they cant ignore
along with the public eye. they got this town all wrapped up. so stand up at the
hill or fall down here. pennyless. |
| | shoelace | November 3, 2008 6:17:52 PM | | bbadmin, I only became aware of your website today and you're obviously a
tenacious, articulate and intelligent force to be dealt with. I'll try to get in
touch with you in the next couple of days.
And a general comment about this website (Dirty Little Secrets) or any other
similar website. It's not good enough just to whine, individually. Aggrieved
claimants need to either make real (phone, etc.) contact with the other
claimants, because there's strength in numbers and the sharing of info, or
engage in an effective campaign by contacting MPIC, the politicians, etc.
Whining is of limited value. |
| | rabble-rouser | October 20, 2008 3:51:53 PM | I propose a "Worst MPI Employee of the Year" contest. Nominations can be
ongoing. The award will be the honour of holding the title for at least a
year. Nominations are not limited to adjusters. Feel free to nominate any
employees from the legal department (the lawyers who aren't capable enough to
work in private practice...D). Perhaps your nominee will be someone from the
public relations department.
My personal nomination is Carlotta St. Godard. I found her to be incompetent
and malicious. So did the Automobile Injury Compensation Appeal Commission in
its decision regarding her case management of my claim.
Others? |
| | Seriously Fed Up | October 20, 2008 3:32:40 PM | | To 'Frustrated';
been there, still there. it is all too familiar. it is a pity that MPI still
exists. |
| | Frustrated, | October 20, 2008 12:25:02 PM | To all,
For a system that has deemed themselves "fair", and written themselves out of
the judicial system, there is some "irony".
They say that "you don't need lawyers anymore", yet, when you have a grief with
one of their decisions, you must deal with one of their hugely incompetent
lawyers. Then, almost a year later, when you finally recieve your "appeal
decision", you then take that to AICAC.
They are an independent group of lawyers, whom govern over the situation. (No
issue there). But, you must prosecute against MPIC, as well as defend your own
postition, AGAINST A GROUP OF LAWYERS REPRESENTING MPIC.
Break this down:
Your useless adjuster makes absolutely stupid and ridiculous 'decisions', simply
so that they don't have to pay anything out, or do anything, which reduces their
bottom line, and sets themselves up for promotion/bonus.
[hoping you'll roll over, die, and go away]
Now it's up to you to fight for your own rights, and what you deserve/need. And
you have to 'prove' to them it's needed.
Then, after stating your case with their absolutely useless in-house lawyer
puppet, and an outrageous amount of time, you will recieve a decision stating
that "upon further investigation, and expert consultation, we stand in our
belief that any further (blah blah blah) would not be conducive to progression
or the wellbeing of (blah blah blah) and therefore, the decision of the adjuster
shall stand.
The useless MPIC lawyer makes absolutely stupid and ridiculous 'decisions',
simply so that they don't have to pay anything out, or do anything, which
reduces their bottom line, and sets themselves up for promotion/bonus.
[hoping you'll roll over, die, and go away]
Now it's up to you to fight for your own rights, and what you deserve/need. Again.
(are you seeing a pattern here, people?)
As stated earlier, you then go through the panel process of the oversight party.
But you are up against a group of MPIC lawyers in the process. AND THEY WILL
DO/ASK/IMPLY, (HEAVY ON THE IMPLY)THAT YOU DON'T NEED/WARRANT/DESERVE WHAT IT IS
YOU ARE PETITIONING FOR.
It is only through the integrity of the independent board, that you get what you
needed to begin with.
But, and a huge BUT here, the AICAC is only for issues that have already been
appealed with MPIC. And, it is only for one issue at a time. And, it takes
about a year for an appeal to go through MPIC, and then almost a year to go
through AICAC. AND AICAC is a few YEARS BEHIND, because there are SO MANY
ISSUES, BY SO MANY PEOPLE!!!!!!
As you can see, it's such a perfect system, working so perfectly, how can anyone
want any better?
End result, MPIC just wants you all to die in your accident, cause paying out
the 'body value' is so much cheaper, and so much less hassle. |
| | Karen Taylor | October 14, 2008 12:34:52 AM | | I have read quite a few stories of what MPI. I have to say I am so glad that I
am not alone in this fight. (sorry, not happy that any of you are fighting or
in pain just glad we can be here for one another).
I was in a few accidents in 2005,2007,2008,2008 and MPI is messing around with
everything. In 2005 I was injured very badly and still am. I had to apply for
ccp. I have 3 young children to take care of but every 6-8 weeks as I have to
get the nerves in my neck burnt every 3 -4 months (very painful) I only
continue to have it done for my babies.
ron from sept 5 2008 have you tried talking to pain clinic in winnipeg there is
one at HSC 820 sherbrooke
Brad 38 years of insurance knowledge please email me at mrssktaylor@hotmail.com
bye kt |
| | greek | October 8, 2008 10:23:35 PM | | anybody apposes MPI gets their $%!#* in a sling except lawyers, but they too get
their $%!#* reamed out for helping you. thats why always keep a tape recorder
just in case. so you have evidence of what you said to him. lawyers get
pressured into doing it MPI ways. |
| | dano | October 8, 2008 6:16:27 PM | | Can anyone tell me if they've had any dealings with a Winnipeg company
called "IRX – Injustice Resolution Xperts"? I'd met with one of
their "consultants" quite some time ago and have not received any sort of
material to move my situation with MPI forward. I have shelled out a good
chunk of money for their alleged "expert advice" and have received nothing.
They do not respond to e-mails or phone calls. I am now nn the process of
going through yet another legal process with my lawyer in trying to recoup my
money. It's not a huge amount of cash, but it's more about trying not to get
ripped off. I'm having a hard enough time with Government people - do I really
need someone from the private sector who is supposed to be helping MPI
claimants?
Thanks in advance for any advice or commentary. For now I will keep the name
of the "IRX – Injustice Resolution Xperts" company person out of this
commentary. We'll see what the future holds in me being so nice! |
| | I've felt the wrath of a cheap insurance compay | October 7, 2008 11:40:14 PM | | If you're on this website, you have most likely seen MPI's DARKSIDE or are
gathering information for present or future referral to what a MONOPOLIZED
insurance company CAN and WILL do to it's ONLY hope for survival! I'm talking
about the hard-working people of this province who are throwing their money at
an insurance company that DOES NOT CARE. If MPI had competition, they'd be
lining up for food stamps so fast it'd make your head spin! Everyday our ONLY
(no-fault) insurance company takes with it's left hand AND with it's right
hand. MPI pays little if anything to people who deserve it, with zero
consideration of anything for anyone. We pay so much for insurance, only to end
up getting a kick in the darkspot by the only place that you could turn to
after a tragedy has occured. Where is all this unspent money going??? Heaven
forbid all the MPI employee's loved one's were to be critically injured,
permanently impaired or even killed by a MVA tomorrow! I could definately see a
few changes being made, and really darn quick at that. They never really care
until it hit's home. Well, MPI, it can happen to anyone, even you!! As for all
the rest of us Saps that have already been taken for a ride by this Mickey
Mouse insurance co., we can either sit here and write 10 billion comments on
this website and just not get anywhere in doing it or we could make our voices
heard and bring the idea of INSURANCE COMPETITION to legislature. I would like
to live in a place where fair is fair. I hate MPI and I'm sure you would too,
if you only knew what a joke it is. I welcome YOU to join me in the fight
against NOT HAVING A CHOICE. Reach me at wuzluvnlifetilnow@live.ca and let me
know what you think! Stop being a SUCKER! |
| | jay McLaughlin | September 30, 2008 5:35:22 PM | | MPI vultures... in Ontario where its private insurance, they are the same...
hound you like a dog! it kills me that every year mpi sends out a rebate for
Over charging us. Why wouldnt they use that money to pay out more from
accidents or lower our rates???? mind boggiling to say the least. Oh and if
your claim is suspicious, watch out for the ex-rcmp in their special
investigation unit... they are just Nasty! |
| | ron gercama | September 28, 2008 3:38:15 PM | | Has anyone ever been to ARCC in Winnipeg.They are MPICS puppets.I think I know
how they screw people on there main tests.Get back to me on this site,and we
can compare.ARCC SUCKS SO DOES MPIC.I have a ongoing case with them.Cant work
need to do something. |
| | Ray | September 26, 2008 12:10:43 AM | | Hey guys, I recently had a car roll onto my lawn causing property damage. I then
find out from autopac that the car was stolen and they will only cover my house
insurance deductible from me making an insurance claim for the damages. What can
I do cause I find this really frustrating that i have to make a home insurance
claim. |
| | greek | September 18, 2008 4:26:52 PM | | they are $%!#* s to deal with, friend has a of injury claim with them, also
has a few rental properties. they get into your life like wood ticks bourring
under your skin for the long haul. what they did was contact the health
inspector to go through all of his properties, and making him fix everything
they see that they dont like.trying to shut him down. also he believes his
family member is turning him in, they contact family and close friends to be
paid informants against him. dont trust the family members and friends who are
in debt. they are giving daily updates on him, where he will be what time ect,
youll know this when people around you keep asking how are you doing almost
every day. take it as all services do get involved exp. behind your back, but
its what you can prove to a judge what counts these days. |
| | dan | September 18, 2008 7:42:04 AM | | Sorry guys I ment to say that "I am Not the only one". My English sucks like
MPI. |
| | dan | September 17, 2008 11:12:22 PM | | Hi All,
It is sad to say but when I read some of your articles made me feel a little
better to know that I am the only one that if verry unhappy with
this "comunist" sistem.
I put my car in the garage to have it checked and have my oil changed and two
days after the mechanic calls me that my car was stolen......I cant belive that
MPI is not covering me for a rental and is treating me as if i had something to
do with that.....telling me that they might not cover the clame.....I cant
function properly ever since and there is no one to help I fill like I am in a
Comunist country where you have to prove that you are not guilty before they
prove that you are....
Can anyone suggest something? |
| | ryan | September 8, 2008 2:49:44 PM | | hello,i'm writing this comment in regards to my 7 year old girl who was killed
in the hit and run that took her beautiful little life ,we love you and miss
you lots my baby.she had left mom,dad and big brother as well as the rest of
the family that are left to mourn.now through the pipp they disregard her big
brother from recieving a benefit even though it states in the mpi personal
injury protection plan guidebook page46 [when the deceased doesn't have a
spouse,common-law partner or any dependents,the deceased's parents and grown up
children will recieve a lump sum payment.i just think that my son [who had
witnessed his little sister die in front of him]deserves what he deserves! |
| | dude | September 6, 2008 9:27:33 AM | | hi everybody, lets all jam the phone lines when gary doer goes on cjob, once a
month on the first tuesday of the month. lets blast him with this bull. |
| | ron | September 5, 2008 4:35:12 PM | | Hi everyone. I like to say sorry for you all that had to suffer at the hands
of MPIC. You all have my deepest compassion. I will be willing to help this
group in any way I can to stop MPICs way that they cheat us in our claims and
to stop our Manitoba goverment in treating us all like criminals instead of
victims of unforseen accidents. We are paying all these people and we get
treated like this. I said enough about this for now,I will tell u my story. I
was involved in a rear ended accident by a unlicenced driver.I have soft tissue
injuries to 80% of my body.I had injuries to my cervical,and lumber spine.MY
shoulders and neck tissues and muscles were also injured.I took 5 months of
physio just on neck and upper body to lift 20 lbs again.MPIC than spent 5
months investigating me.Finally they admitted to my injuries and paid me for
wages lost.I than took another month pyhsio in my home town,before they sent me
to a rehab clinic for six weeks.They then cut me of of income replacement
because I forgot to get a docters note from a hospital when I went there for
emergancy reasons.I was told from hospital that I could not get docters note
after the fact,only my medical records.Mpic cut me off even after I told them
my problem with the note.They told me to appeal that decission.I have no wages
anymore and can not work because of pain in lower back,shoulders,mid back.I
also have redness,swelling,and lots of pain in my neck.I have only been home
from rehab for a week and a half from rehab,MPIC has received my rehab
discharge that staits that I have been cleared to go back to work. They told me
that my medical benifits are also done.Have no income and still trying to prove
that I have permenant injuries to my soft tissue with cronic pain.I quess they
screwed me like many others before me.Any advice from anyone would help.Thanks. |
| | brad | September 4, 2008 5:08:57 PM | Dear DJC...
I am sorry to hear of your problem. I can tell you that you are getting the run
around it seems from both MPI and your personal insurer. I am interested in
helping you get this put in order, if you would like. I have 38+ years
insurance experience, which can be put to good use.
I do need to know the particulars of the accident, so if you wish to call me at
221-6415 I would gladly chat with you about this problem.
cheers |
| | dude | September 2, 2008 1:56:04 AM | | thats bull cause a friend got hit by a car on his bike and was covered. the
car has insurance there fore his insurance covers you called third party
liability. MPI is just trying to smoke you for cash it is going to fork out.
go and see a lawyer and send a letter telling them so.post the results thx. |
| | DJC | September 1, 2008 9:06:33 PM | | I was involved in a bicycle car accident approximately one month ago. I
suffered extensive lacerations, bruises and scrapes but fortunately no broken
bones or serious soft tissue injuries. I am 64 so healing has been slow but I
am guessing I will eventually get back to normal.
So imagine my shock when a month later I got a letter from MPI holding me
responsible for damages to the car that hit me, to the tune of several thousand
dollars. MPI have also informed that my MPI auto policy and drivers license
policy do not cover me for bicycle accidents!!!
Is this true!! I have checked with my other insurers, home life etc and all
exclude auto accidents, since well, these are all covered by separate
policies? Any ideas on what to do here? I am retired so this is a heavy hit
for me if I am forced to pay up. |
| | MPI... | August 21, 2008 9:26:50 PM | | they will say anything on their release forms but weather its the law or not,
I will let a judge decide the ultimate final decision, rather let my life be
open when I sign their release forms.as far as chiros and others I will get
examined by them but will not let them know too many personals issuses. they
write it all down and keep a record of it, so whe they are requested for trial
they will release it. and if found any personals problems besides the accident
injuries MPI will have another tool to reject your claim.the least said is
better in the long haul.esp on the phone with your case manager, always
communicate in writing only, fax or other.paper trail is the key to recieving
justice in a judges eye. |
| | Big Bill | August 21, 2008 11:23:14 AM | | To Brad.
I've been trying to contact you, please reply. |
| | Un-insured | August 15, 2008 4:56:37 PM | MPI: You want cheap auto insurance; you get what you pay for.
I was injured in an automobile accident on October 30, 2007 where my car was
written off. In 27 years of driving, I have never used medical MPI benefits nor
requested wage replacement under the MPI Personal Injury Protection Policy.
I was off work from a prior medical condition beyond my control; I was under
treatment for and was to attend a Doctors appointment regarding a possible
fitness to return to work on November 8, 2007. Due to constraints in the
Medical field, taking in account that appointments sometimes take weeks, I
never was able to be assessed for a work release and instead found myself
dealing with the results of the motor vehicle accident.
The caregiver expenses were denied as in the first time in my life, I needed
others to help me with basic living tasks. My family doctor and physiotherapist
provided documentation that I was not fit to ride public transit with multiple
soft tissue injuries due to sprains and whiplash condition suffered in the
accident. I attended physiotherapy treatments until March 2008. MPI’s solutions
were that “I take a bus”.
At the time, it was required that I attend Seven Oaks Hospital for 3 to 5 days
a week for medical care regarding a previous medical condition. MPI’s response”
too bad, it’s not our concern; your medical status before the Accident, take a
bus”. I missed many mandatory appointments as a result.
It’s really ironic that it wasn’t a concern by MPI on my medical status before
the accident but now (MPI) is requesting my doctors provide medical info on
before the accident status.
As of recent I am still awaiting a decision letter as of the Appeal process on
March 5, 2008 and found out that the persons responsible for my medical care,
in some instance, were back logged for months to provide correspondence to MPI.
It has been nearly nine months since the accident and I haven’t received any
income since the accident. Instead, I have had to cash in RRSP’s and use credit
to provide for my basic living expenses.
I have been working for the same employer for 22 years prior to the accident
and am considered on health leave and have used up all of my benefits only to
be scrutinized (by MPI) that “you don’t qualify because you aren’t employed”.
Show me the Record of Employment slip that says I am longer Employed as opposed
to Health Leave. Furthermore, the Employers’ disability provider and MPI are
playing a waiting game in which to see who blinks first putting me in
employment and wage limbo.
The medical care regarding the physical was good and I consider myself more
fortunate, because I’m not in a wheel chair as a result of an MPI insured
driver, but buyer beware, you get what you pay for.
I would have preferred that MPI kept the few hundreds they have refunded to me
through overcharging us over the years and being given the chance to get by,
get closure and be approved for the benefits I have paid for, without using for
over 20 years.
I figured that others would like to hear the nickel and dime, denial of
benefits and a constant fight to not be looked as a crook as opposed to the
glossy story painted in their (MPI) glossy publications we all pay for.
Un-insured and perturbed. |
| | mpi... | August 15, 2008 4:46:49 PM | | also you should keep a daily diary, any one you talk to and what time, and
what you did that day ect ect, exsp chiro. also family members that are in
debt.when you keep a daily diary you can pin point the informant that has been
paid for inform on you like, where youll be at a certain time. if you have to
fix your own car, watch out for your next door nieghbor they place cameras on
their property.also watch your conversations over the phone due to it is easy
to tap a cordless phone conversation. if you sign the paper releasing all
private infor they will find your emails too and use that against you. dont
tell anybody that you ahve been in a mva and injuries that you recieved. |
| | injured | August 14, 2008 5:29:39 PM | | I was told to sign all release forms to my lawyer which he gets all the infor
needed for my claim, then he decides what to release to MPI, and forwards it
thus making him responsible for everything. this way if he releases too much
infor then you have legal a recourse. |
| | car accident | August 14, 2008 7:15:32 AM | | continued. if you are employed watch out for your company and fact finding HR
and co workers.next is debt ridden family, friends, co workers and
perfessionals{chiro ect} youll notice them asking alot of personal questions
on your daily life and injury status. keep everything to your self.also watch
the movie ENEMY OF THE STATE with will smith and gene hackman to get a heads
up what they are capable of.It should state ENEMY OF MPI and NDP.no stone will
be unturned by these people. they will hire informants to give infor on you
only to use it in court.next read all MPI release forms and cross out anything
you dont agree with and get it notorized for a witness and send it through
registered mail.keep all copies of letters and record all conversations and
let them know you are doing so along with any professionanl people. good luck. |
| | car accident | August 14, 2008 6:57:03 AM | | things to watch out for. first do not sign any release forms with out
consultation. dont sign any mpi release form the one that states you will be
releasing all personal infor. also do not sign the paper staing that you will
be getting treatment from AARC program, just send a personal letter stating
this I will be going to AARC but only for assessment only, no treatment. you
and your DR. will decide that and send you for treatment.DO not sign any
papers with AARC or you will be locked into mpi's trap.next if you retain a
lawyer get a letter from him stating he has not recieved a retainer fee of any
kind from mpi.some like to double dip, defend you then leave a loop hole for
mpi to come back at you so they can defend you in court. next if you own a
business and side step them in anyway you are going to have problems with the
city of winnipeg, all utilities and taxation department. |
| | brad | August 2, 2008 9:22:19 AM | Sickened
You are right on the money with your comments. Thank you for your post. I hope
it sparks others into action. People who have never had to rely on the MPI
system of "fairness" ought to understand that they may be the next MPI auto
accident victim. It is like going on a roller coaster ride and no one telling
you the last piece of track never got built and was never intended to be built.
Crash is inevitable!
As for the recent post re: MPI legal department, I just want to clarify that it
is a distinct division of MPI to which MPI does acknowledge as part of their
operating scheme. However, it is the Claimant Adviser Office (members of the
Civil Service) which we are told is not connected. Yet, I have written
confirmation from the Civil Service Commission that the CAO takes marching
orders directly from MPI.
Food For Thought:
If the Claimant Adviser Office royally screws up your appeal, you have no
recourse, which they do often. They have no errors & omissions insurance to
fall back on unlike lawyers or other private service providers. All you get is
a letter of denial... not even a "sorry". |
| | Sickened | August 1, 2008 11:42:49 AM | My email address says it all. I am totally sickened by what I have just read
on this site. I had heard about this site from a friend and finally took the
time today to read the posts. I am truly appalled at the unjust treatment of
people who are permanently disabled as the result of a MVA.
As an ex-employee of MPI I have personally witnessed the incompetence and
inhuman treatment of justifiably injured people and it is one of the reasons I
no longer work there.
Although I have never been seriously injured in an MVA I have watched first-
hand what MPI is doing to destroy the life of a dear friend of mine. This
friend was involved in a serious collision almost 2 years ago and sustained a
brain injury from which he is still recovering from. I have personally
witnessed the post-accident pain, injury, suffering, financial ruination, loss
of quality of life, memory lapses, seizures and the stress of dealing with MPI
that this man suffers from to this day. MPI has used every one of its dirty
tactics in dealing with him..From “it’s a previous injury”, “our doctors deem
your injuries insignificant”, “there is no reason you cannot work”, “you are
lying”, “you don’t need physiotherapy”, to denying and suspending any wage
replacement benefits.
Why is it that this “fair” system of MPI’s should drive honest hard-working
people into lives of poverty and despair? Is it “fair” that the victim of an
auto injury should have to publicly humiliate a large insurance company such
as MPI into giving them the benefits they pay for and are legally entitled to?
It is “fair” that some unknown “medical specialist”, who has never examined
the patient, makes decisions about the person’s injuries and ignores the
medical reports of a certified neurologist? The strong may get some benefits
while the weak get welfare? Where is the “fairness” that MPI’s “propaganda”
always talks about? |
| | Seriously Fed Up | July 31, 2008 8:21:10 PM | | Congratulations quadmom. Perhaps the media ought to learn of this anyway?!
Just a thought... It seems quite possible that my assumptions are accurate.
Adjusters don't really make "Decisions". The adjusters are impotent puppets of
the legal department. MPI...scheme indeed. Any claim that is potentially
going to be expensive or long-term gets adjudicated by one of the in-house
legal team (the ones who can't make it in private practice and need a secure
job where incompetence is rewarded). MPI denies any connection between the
departments but who believes anything that comes from them. |
| | quadmom | July 31, 2008 10:41:17 AM | | hello all! i just wanted you all to know that i have been dealing with mpi on
multiple issues for a very long time and they of course were screwing me around
so i finally had enough and e-mailed a threatening e-mail to them stating if i
didn't get the answers i wanted by a certain time i'd go to the media. well
surprise surprise it worked!!!!!!! my adjuster even stated he was happy i
finally did it and that that's the only way of getting results with mpi. so
all you people scared to say anything to mpi....you need to do it. the only
thing mpi cares about is bad press. good luck |
| | craig | July 30, 2008 8:54:51 PM | Dear Seriously Concerned:
I was just informed of your comments regarding my business; its motives; and
its commitment towards seeking changes within MPI. I think it is important to
set the record straight so people can see the type of person you are purporting
to be.
Your phone call to our office was duly noted when it occurred. However what you
are not telling people is that you refused to give your proper name; refused to
give details of your "alleged" claim and injuries; were generally resistant and
agitated throughout the conversation. Quite frankly we perceived you to be
a "plant" from MPI, who was fishing for information. You wanted to play coy, so
we simply gave you back a dose of your own medicine.
For your information the coalition is comprised of people who owe nothing to my
business. We are simply a supporting entity taking a positive role in certain
areas deemed helpful to the cause, as are others. This coalition goes much
further than my business or interests.
If you are such a supporter, as you seem to suggest you are, why did you not
attend their meeting last week? You dare to criticize others who are actually
trying to make a difference. Shame on you, my friend! I dare say you simply
wish to cause trouble.
There is an old axiom... don't complain unless you wish to be part of the
solution. So far you have not offered anything constructive to the cause! And
you know what, I am not the only one who sees this! |
| | brad | July 30, 2008 8:23:35 PM | seriously concerned...
Your ignorance is duly noted about Injustice Resolution Xperts... you do not
know what you speak of... they are not motivated to keep it the same and if you
knew the fellows and the work they have done, are doing and have planned, you
would know this to be true.
Talk with "frustrated" or "big bill" and they will quickly tell you like it is!
Your mouth is writing cheques that can't be cashed! However, as they say...
ignorance is bliss! |
| | Seriously Concerned | July 30, 2008 7:10:00 PM | The "attack" on MPI is headed by a person who is from the insurance industry
and he represents an organization that will loose if system changes to respects
victims rights. Am I the only one who sees this or am I the only one brash
enough to say anything?
Injustice Resolution Experts. They are mediators, and mediators will loose if
there is nothing to mediate. They want this perpetual argument to exist between
the injury claimant and MPI. The only thing they want is the system to
recognize them as the mediator.
I want the system to recognize victims rights in the first place; Dont give me
a mediator after the fact.
And this "splintering up into different action groups" is caused by the fact
that they exclude those who actually want the system to change. I got an
immediate response when I was just another customer and they were more than
willing to take all my personal information. When it's just another injustice
for them to step in and resolve they jump to the pump. But when it came to
actually changing the system, my offering of services and requests for
information as to what the coalition is and who they are and what they
represent received no response. Who are they? What is their mission statement?
Sorry for being so blunt but this is the reality of the coalition they are
forming. It doesn't take a business scholar to see that they have a hidden
agenda in keeping the system essentially the same.
I am truly happy for you if they manage to get a settlement for you. This
avoids the problem, it does not solve it. Why make every injury claimant fight
the same battle? |
| | brad | July 29, 2008 9:36:34 AM | It is good to get the info people are sharing. I shows there are more and more
reasons why MPI deserves closer scrutiny. However splintering up into different
action groups is only going to get us no wehere fast. For those with recent
posts about MPI's mis-doings I recommend you about a group already growing that
wishes to challenge MPI but not on a helter skelter basis. Contact names, phone
numbers and e-mail addresses have been posted...
However, we will respect any initiative designed to expose MPI's flaws... you
have my sincere best wishes... |
| | oxy_u | July 26, 2008 2:13:21 PM | Here’s an interesting fact. Under MPI’s Personal Injury Protection Program
(PIPP), there is a provision for a retirement income benefit (RIB) for those
who have incurred long-term injuries. Since RIB (which kicks in at age 65) is
an integral part of MPI’s insurance package, a portion of everyone’s insurance
premium goes to pay for RIB ($20 +/- per year, perhaps?).
Now, RIB is reduced dollar for dollar for any pension income you may get, any
CPP you may get, any OAS you may get and any RRSP income you may get.
Therefore, most Manitobans over 45 (perhaps even younger) already have too many
credits from these four sources of retirement income to qualify for RIB if and
when required, so few Manitobans over 45 can ever expect to benefit from this
provision of PIPP, yet we’re all paying for it. In other words, this means
that just about everyone who is over 45 is being overcharged by MPI!
I actually brought this fact up in a letter to MPI, and was told that it would
be too complicated to calculate this for every insured, and therefore it
wouldn’t be considered. |
| | injured | July 26, 2008 1:22:23 AM | | all this started way back when the doer thugs raided the manitoba hydro rainy
day funds, and had to replaced it in order to get re elected. so they had greg
selinger penny pinch every where he could to recover those funds taken from
hydro. but still not enough then along comes the crocus scam of 100 million
goes missing. lets make them open up the books. |
| | rabble-rouser | July 25, 2008 4:05:15 PM | | WANTED: any and all persons who were overcharged by MPI [Read The Article] as per the story in
the Winnipeg Free Press July 25, 2008 page A6 by Mary Agnes Welch. Please
contact me. You may post something here or you may contact me at
victimsofmpi@gmail.com I want to help facilitate putting cash in your pocket
that is rightfully yours. |
| | brad | July 25, 2008 11:35:01 AM | To all that attended the meeting the other night... huge cudos....
To those that missed it... stay tuned, as good stuff is happening. |
| | K Helgesen | July 23, 2008 1:03:59 AM | Please take a moment to sign the petition through the Canadian Tax Payer's
Federation website, located here:
Canadian Taxpayers Federation
The only answer to these and many other issues with MPIC is abolishment. This
nasty system is so deeply rooted in corrupt policy that this is the only
answer. The government has no business in business! |
| | injured | July 21, 2008 7:38:44 AM | | i will be there also please post it on winnipegheights.com too for more people
to attend thx. |
| | Big Bill | July 20, 2008 7:06:41 AM | | Count me in if you haven't already.
I'll be there. |
| | brad | July 19, 2008 7:17:47 PM | hey everybody...
so far attendance on Tuesday is very small... only 3 people saying they will be
there. Talk is cheap.... time to put our words into action!
call 221-6415 to confirm your attendance or post a blog |
| | quadmom | July 19, 2008 12:24:41 PM | | hi there, just to let you know that i'll be there on the 22nd. can't wait to
meet you all! |
| | mpisfavouriteclaimant | July 15, 2008 9:16:49 PM | | Brian, you are a wise man. Hope you make it out to the meeting on the 22nd.
Something needs to be done and you sound like a person with quite a few
valuable thoughts to share. |
| | brad | July 15, 2008 8:15:15 PM | | Brian... |
| | Brian Ross | July 15, 2008 7:21:53 PM | To Frustrated
Apathy is such an ugly word....it is human nature to need a reason to care.
a "what's it to me" or "what's in it for me" is usual and natural
even a gov't never does anything without those natural instincts being
satisfied
a gov't after all is nothing more than the Management arm of a corporation that
is out to accumulate wealth for the corporation, and politicians strive to
personally benefit thereby, just like any other corporate lackey. That goal has
nothing to do with you and I...we are the employees.
But, Constitutionally, we have the authority over them...few of us understand
what that means or how to excercise that authority...or even care to. this is
the true meaning and purpose of democracy....a gov't is the servant of the
people. Too many of us allow the servant pernicious thievery.
The answer to every question that begins "why do they" do such and such is
always because we have surrendered our authority to say yea or nay. Silence
becomes acceptance by acquiesence. Of course they walk all over us...the
madding crowd is too preoccupied with survival to stand let alone fight for
their rights. The stories in here point to the fact that our own gov't has
endangered our survival (ie abandoned its duty to protect our right to personal
security) by allowing a gov't agency to adopt such unlawful
policies....policies that go even against its own Act. |
| | brad | July 15, 2008 2:59:15 PM | thx Fed Up... please do try to make it.... I know some days can be difficult
but there will be people there to support you... we all have to care about and
for each other to make this work.
ALSO FOR EVERYONE PLANNING TO ATTEND
bring a short written outline of your story with MPI as I will get them copied
and sent to each person so we all know just exactly where each of us are coming
from.
cheers... |
| | Seriously Fed Up | July 15, 2008 2:39:48 PM | | count me in as a "want to be there" and be assured that I will definitely be
present if I am able. Much depends on how I am feeling that day. I'll bring
ID. |
| | brad | July 15, 2008 2:10:33 PM | hi everyone
Well I guess it is getting down to the point where we either put up ot shut up.
I have re-thought the idea of the town hall meeting and how difficult it has
been to get sufficient interest and proper support for this to happen. So here
is my plan, for those who have any interest (no offense taken if you don't).
I am recommending we meet at Smitty's on Pembina & Grant next Tuesday July 22nd
at 7PM... I will arrange for seating under the name "MPI Sucks" for a dozen
people (am I being too optomistic?) to come and discuss how we wish to proceed
with our overall plan. If nobody shows or calls to say they just couldn't make
it yet still want to be accounted for, then I guess we will know where this
initiative stands.
I have a lot of info to share with everybody about MPI, AICAC, the Claimant
Advisers Office, IME's, etc however you will need to show up or be accounted
for to get this info. It is isn't that I don't wish to share it with everyone
but there simply has to be some incentive for people to come to the meeting.
To safe guard against anybody showing up secretly as a representative for MPI,
each person should bring verifiable Identification with them. I know it sounds
silly but we just don't need to deal with this kind of $%!#* from MPI. I have
no qualms with them knowing about the overall intiative, just not the details.
I trust all with concur.
I can be reached at either 221-6415 or 998-6499 (cell) if you leave a
message please refer to MPI Sucks, so I know who and what with my messages.
Do you think we could convince George W. Bush that MPI is a terrorist cell
trying to bring down democracy one person at a time and they have WMD (Weapons
of Mandatory Destruction) given to them by our dear government?
play safe... |
| | Brian R..... | July 15, 2008 7:08:56 AM | I too am interested in joining in a class action ....only if the will of we
people is stringently excercised shall MPIC be (not brought down) brought
about...getting into bombast and rhetoric and just plain bitching is not what
I'm about.....there are so many horror stories it's...well...horrible
and deplorable....and.... more deplorable than MPIC's actions is the average
citizens' acceptance of the Corporation's abuse of its clients.
Most of the Comments here demonstrate some right that has been unlawfully taken
from us....but not really....since it is not lawful to enact our rights
away...the Acts have no ground...it is our tacit and ignorant complicity via a
misunderstanding of who is servant and who master in Canadian law.
"the right to sue" is considered in the law, as all rights are, to be property.
Under the Criminal Code of Canada (which is Law) you have the authority to
protect your property by any means against ANYONE so long as you do not cause
wilful harm.To enact a rule that you cannot sue is TRESPASS and thus unlawful. |
| | Frustrated | July 14, 2008 10:17:56 AM | Brian R.
You are so right, in so many ways.
One of the most prominent items of which you speak, is to the apathetic public,
whom are so brainwashed, and led down the garden path. And the statements are
usually started with:
"Look at how good we are, and how much we do for you, and what we offer for
services". Meanwhile, whilst they are offering those 'few examples', they are
also denying multitudes of other offerings, that are part and parcel most
everywhere else in this western hemisphere. But what we don't get, people
don't know about, until they need it. Then, when they do, they are denied,
and 'you can appeal this', which takes on average, a year or thereabouts.
Devastating is the word. MPIC runs their system to devastate people, to make
them seek other means of progress. That is not always lawful in itself.
But this is covered by the premise of "aren't we great"; "aren't we
wonderful"; "aren't we helpful"; "look at how much money we send you back in
the spring";
One of my first questions is, why are they charging so much, and obviously
overcharging, when they offer so little?
So they can all feed at the trough, that's why. And the people keep paying. |
| | Brian Ross | July 13, 2008 9:32:39 PM | Almost everything MPIC does is unlawful. The remedy to MPIC does not reside in
any Statute or Act (rule) of the Corporation of Manitoba.The remedy is in the
Law. The MPIC Act and the Highway Traffic Act are not Law....they are rules
given the force of Law. The distinction is everything.
The simplest example is the "suspension of your driver's licence"
The HTA accords the Registrar of MPIC/DMV the power to cancel your driver's
licence.
The Law is that your Driver's Licence is Property.
The Law is that you cannot be forced to forfeit property without due process.
that is, without trial.
Any Act or Statute that infringes the Law is an invalid and unlawful provision
of the Corporation that enacted it. In this case the Gov't of MB
Also,
....you are told that your driver's licence is cancelled for "x" length of
time, your right to obtain a Manitoba Driver's licence is suspended for "x",
and your privilege to drive the highways of Manitoba is cancelled.
This is so wrong in so many ways one scarcely knows where to begin.
Also,
....you are told that you must bring your VALID licence with when you complete
your "suspension" to schedule a retest and pay to reinstate your right to
obtain a licence.
If my licence is at this point valid ....???
My concerns with MPIC have never been for injury claims....it is the
lawlessness and self- serving autocratic rulings the Corporation indulges in
with impunity and to our harm.
Fundamentally it is a classic case of "here...look at the wonderful thing your
Gov't is doing for you"...just another way our sovereign rights to personal
liberty and security are eroded under the guise of doing it for our own
good. |
| | Derek | July 9, 2008 10:41:58 AM | | After reading some posts on here my beef with how much MPI sucks may seem very
petty indeed. I recently moved to the province from Saskatchewan, or as I am
learning otherwise is known affectionatly as "The Gap" to most of you. When I
signed up for MPI coverage for my car I was horrified to learn that my monthly
insurance rate would be $158.87. Up from the reasonable $62.19 I was paying a
month in Sask through SGI, which is pretty much the same type of goverment run
so called "non profit" orginization that is supposed to "benefit the people it
serves". I had a 12 year driving history in which I had no de-merit points
thus getting me SGI's maximum discount of 25%. However MPI has informed me
that they will not take that into account here until I have a 1 year history
with MPI because my 12 year squeeky clean record happened in another
jurisdiction. Also when I got my license they took my old photo ID and
shredded it which was to be expected and told me I would get my photo ID in 2 -
4 weeks. However it is now 9 weeks later and I have yet to recieve anything
from MPI other than the "tough $%!#* quot; like answers I get from the call center.
When I explained that I am now left with no photo ID I was told by the quite
bitchy lady on the other end of the phone that it was my fault I didn't have a
passport to show who I am. Is there any other options in this province or am I
pretty much forced to have to be an MPI customer. If there was another option
for car insurance I certainly wouldn't be giving MPI my business. MPI sucks! |
| | j | July 6, 2008 5:05:13 PM | How does one get in touch with Injustice Resolution Xperts.
Thanks
I believe their tele # is 221-6415.
Oxy_u |
| | Big Bill | July 5, 2008 1:11:06 PM | Re Brad: 221-6415
I left a message at that number, wanted to speak with you on a more personal level.
Hi Steve (bbadmin).
I think a meeting as you suggested would be a good idea, (like at a quiet park), keep the cost down,
bring a lunch, and come up with a plan however small the group.
Smaller may be better to begin with, less than 20 people to get the ball rolling, form a core group, and
chose our spokespeople, and etc.
I'm willing to donate to the cause in any way I'm able, but I live an hour out of Winnipeg and can't
justify spending $30.00 on gas unless there's hope that something positive comes of it, and not a one
sided affair on enemy ground which is why I did not attend the MPIC home turf meeting.
(been there done that)
There are some here who were genuinely screwed over by MPIC, myself included, and I think most of
us have been on the disheartening government merry go round with little or no success, and at this
point I personally would be into a road trip to visit the feds in Ottawa if that's what it takes to get the
message out about MPIC's practices, because I don't think we'll find justice within the province of
Manitoba, too much interdepartmental inbreeding, back scratching, and brown nosing going on from
all the political parties, from the top on down and outward!
Sometimes you have to draw the enemy away from home base and into neutral territory in order to
swing the odds in your favor, we might get a lot more attention on the national news than on the local
news if need be.
I'm ready to walk,march, crawl, drive, take a bus, or ride on the train, I don't care, I need closure to my
personal nightmare, and I'm ready to go now if I believe something may come of it, as long as the
outcome is definite and final, one way or another!
Maybe for a second meeting, we could hold the meeting at the new "museum for human rights", since
MPIC dictates that certain people don't have any, and see if we could get one of the Asper family or the
museum curator to attend and hear our claims.
Perhaps they could advise us, or hook us up with some world class lawyers who don't work for the
province of MB, or primarily for the almighty $$$ !
(just a thought)
We could call ourselves a living exhibit! (humor)
If anyone would like to speak on the phone, email me your phone # and I will call you back so you won't
have to pay long distance charges.
If you don't want to give your #, I'll send you mine.
In your email, I want you to declare that you are not an employee of MPIC, a police officer or an
investigator employed by, representative of, or connected to any level of the government of MB, in any
way shape or form.
I don't normally post my E address, but in this case I will.
MPIC needs a good spanking, let's make it happen!
bigbill@mts.net |
| | MPI.... | July 2, 2008 10:08:36 PM | I agree! MPI lies!
I had been rushed to the HSC again with another problem hitting me out of the
blue. Like 2 posts back you can read. I had a stroke like face and was not able
to think right. (putting socks over shoes getting ready to go and more.)The
Dr's saying that it was not a stroke! that I was in good health but, something
in my neck was pinching something or the swelling was causing this. MPI somehow
gets wind of this, twists the story to fit them and says that I am not able to
continue my chrio as it was causing me to stroke out! and that the chiro should
be ashamed of herself for causing me to suffer this.
Again, 2 Dr's had seen me and there was nothing in my medical history that even
comes close to stating anything about a stroke.
they cut off the chiro that I had been getting since the accident 3 months,
2 weeks go by my face now on the right side (as the left was num since the mva)
now was numing and drooping more and more, my right arm was having trouble with
blood flow, I would awake to a fully purple arm that I could not feel or move,
for at least 5 mins after waking up...at least. this lead to many hospital
visits. sometimes the blood flow was cut off for so long that my arm was in
pain for 24 hours of more afterwards. I now do not have good days and bad days
as my nerves in my face are always num and buzzing 24/7.
and this could have been fixed just by letting be go back to what we know was
working for me. Chiro.
I was better in Dec. then I am now.
this is yet just another lie to benifit them not us who need it.
I just want to feel my face and think straight again!
I know their lies are to save them money but, what happenes when I a forced to
go back to a job that I can not do because of lack of Dr. care?
My claim is still open for 2 years, and we know my problems are still here!
how is this saving them money? it is in reality cause more damage.
a pinched nerve can only last/live so long with blood flow being cut off.
I am just one of many!
I feel so badly for us all. |
| | STEVE & SOPHIE LOCKHART | July 2, 2008 9:48:52 PM | | I notice while M.P.I.C. refuse to spend anything to help accident victims It
has no problems giving a million bucks to the holocaust museum?
Is this why we pay ridicules insurance rates?
When did M.P.I.C. get a mandate to fund those kinds of projects?
But many of us can't even get a $28.00 cyro treatment to get out of pain and
walk strait.
What an abuse of our dollars! |
| | STEVE & SOPHIE LOCKHART | July 2, 2008 9:40:21 PM | We got rear ended in May 2001. My wife & sister were taken to the hospital in
an ambulance due to seat belt type injuries. I substained injuries to me right
leg, hip, upper back, wrists neck. I went to the hospital also.
In July 2003 we were hit again. I sustained injuries to my left leg, neck &
wrists.
I was seen by my doctor that confirmed these injuries; my wife was seen by her
doctor also. We were both seen & examined at the hospital after the first
accident.
My orthopedic surgeon opperated on my right knee for what he called impact
injuries. M.P.I.C sent the reports to their paid Dr. that never seen either
one us ever!
They determined it was a pre-existing injury? In their Dr’s. own words "He had
no evidence of that" but M.P.I.C. holds all the cards and decided that I did
not require any type of care for my pain & injuries.
I appealed to their appeal process, which means another adjuster in the same
M.P.I.C.Building. And of course they supported the first adjuster’s findings
(Big surprise). They even had the nerve to say its arthritis that set in?? I
guess at the moment of the accident arthritis struck me down? It would of
happened even if I had spent the day in bed!!! Ridicules!!! When the
compensation review board opened it's doors in March of 2005 I filled with the.
I was told they took the place of lawyers.
Well here I am 3 years+ later and nothing has happened! No hearing, no
settlement, nothing!!!
The problem as I see it is they all work for the government. It doesn't matter
if they do any work or settle any claims, they still get paid!
A lawyer told me that there's no way M.P.I.C. would ever allow this to go to
court under a fair system in which a impartial judge would listen to the
medical evidence and decide the case.
But our right to security & medical treatment has been taken away.
At the time I was out of work, so in M.P.I.C.'S opinion I never would of worked
again?? So I get nothing for all my pain & suffering & no treatment to help
with the pain of my ankle going out of place.
This system is a joke. And what even worst is that I have to keep paying for
insurance every month to a company that refuses to cover me for injuries
Until can get back to a fair impartial ruling by a judge based on medical
evidence we will never get a fair deal or medical attention required for our
injuries.
Why do adjusters have to right to over rule medical experts diagnosis?
Why is it that Dr's in general can't even prescribe and aspirin without
examining you but M.P.I.C.'S dr's can do what ever they want without every even
seeing you? Why do they not have to comply with the laws???
This system was supposed to speed up the system. M.P.I.C. claimed it would
eliminate lawyers and make in simpler for us to get medical care and benefits.
But they never told us they still get all the funds they need to hire Dr's
lawyers & experts to fight you on your claim! Just your right to legal
representation was removed!
We need a fair system where M.P.I.C. Has to prove their ridicules theories
Steve & Sophie Lockhart
Starbuck MB. |
| | Car Accident- ARCC Program | July 2, 2008 9:03:11 PM | Well, it is good to see people are talking about the monopoly that is MPIC.
We also need to address the fact that , there are Doctors out there that are
getting paid to get us off of MPI doller$ no matter what!
If you want to read up on one of these such Dr's go to rateyourmd.com
Dr.C. Hoy not to be confused with his brothers also Doctors.
I have seen first hand the dirty dealings.
He only charts what will help him/MPI's case and not the injured.
I after blacking out, throwing up, dizzy, seeing spots and then passing out!
Not to mention the stroke looking sideways mouth and eye. I had no medical
attention..... I had a personal trainer bring me ice and ask me to leave the
gym floor, "Get up and walk" the next week I was pulled out of my rehab class
to see Dr. H. He stated that my pain was "in my head" That even though my mouth
is sideways when I talk........ that it was not a problem from the accident,
and that because I can move my mouth it was not an issue. and that "if I wanted
to be one of those people" Q: what people? A: "hypochondriac" I could continue
my search for the "pink elephant disease" cause nothing is wrong with me!
the passing out and blacking out was something I did cause A. I want people to
pay attention to me, "drama queen" or B. I have myself so into my injuries that
I am so upset I make myself pass out.
as the visit ends... "It was all in my head" "I am a drama queen who loves
attention" and if I seek a second opinion I am looking for "pink elephant
disease" wow!
This coming from a man who has yet to examine me!
The stories are many and sound the same! Please do something to help.
Look into the ARCC program! We need help in there and most people in their 50's-
60's are scared to stand up as they have seen their friends be cut off just
from saying something.
This has to be stopped!! THANK YOU!
DO NOT BE SCARED!!! STAND UP! BUT DO IT TOGETHER!
I will not quit until there is change. |
| | steve.t | July 2, 2008 10:21:45 AM | | re..Brad. I just got on the band wagon . ive got the last five years
expperincebattling mpic every time i get close to getting a step closer my case
manager gets transfered to another location. then i have to start filling forms
out all over again three times now. even thought the court of queens bench says
mpic as to cover me ,that was two and a half years ago.it startsin 2003 dec 15
515pm i was driving truck for a local farmer(hauling hay) and bulk potatoes. my
boss and i just finished loading 32 round bales; iwas putting the safty strap
down the middle of the load, i loose my footing fall off the load from the
top,smash my heel. today i take between 6and 12 t-3's. guess what t-3's and
driving semi a great big no no .unless your driving for mpic .i do have a
lawyer but its not hurrying up the process.ive sent e-mails to everyone in
government chain of command to no avail sooo. I cant help but wonder if us in
portage la p are the only ones that have this problem with mpic. i would like
to hear from other related cases.cause i my self wont let up till we get rid of
this evil entity.if im able to post my info. i would like to hear from all
those in favour.the feds might not listen to a couple of small voices but they
will listen to a whole bunch of voices. 239 1531 first we need a petition with
names then we go from there. |
| | Seriously Fed Up | June 29, 2008 2:47:39 PM | | the meeting was predictably boring. I saw no media though MPI did bring in a
gigantic burly security guard (just in case ??). There was much discussion
about immobilizers and the corporation denies any knowledge of any such devices
ever being defeated. Those of you with evidence to the contrary please speak
up. There was some discussion about personal injury benefits. Mostly it was
boring. until people start showing up to these sort of things I predict not
much will happen to change this unfair "scheme". Yawn. |
| | quadmom | June 26, 2008 10:01:08 AM | | hello all! wondering how the meeting with mpi went last night? my van broke
down so was very dissapointed i couldn't make it. please fill me in. thanks a
lot |
| | Dawn | June 25, 2008 2:56:27 PM | | I am having a time getting MPI to admit that safety inspections are not done
right. Auto dealers have the right to put used parts from wrecked cars on cars
on their lot so they can pass safety. I have a car that I bought in Sept 07.
I have had it for 9 months and happen to have to have the car taken to a Kia
Dealership only to find out that it is unsafe to drive. There are 8 safety
issues with the car and all MPI Inspections say is that it is legal for them to
do this and it is 30 day or 1500 kms. I put that on my car in the first two
weeks. Now I have a car that should not be on the road but a supposidly
reputable dealership said it was fine. I live out of town and have no other
transportation as I thought I had a reliable car. I will most definitely be at
the forum tonight and hope to get a chance to air my views on this. |
| | injured | June 23, 2008 11:54:47 PM | | do you relly think MLAs are going to step up to the plate, they are too busy
drinking from the same trough, its big enough for alot more than them. also
this is the biggest place, bigger than germany for properganda, the spin
doctors here are the best in the world. are then going to offer us showers
too. there will be cameras alright but not from tv stations. the leg is the
only way. and that only takes 1 person with a tent and sleeping bag to get
issues in the open where people can whats really going on and the results. but
also will know who we are going to vote for in the next election at the same
time. never mind the party bull $%!#* they are all the same, their is no NDP,
LIB, OR PC. we just got to make them accountible for their actions just like
MPI. |
| | brad | June 23, 2008 7:31:15 PM | hey folks...
Sorry for the lack of follow up on the proposed town hall meeting however life
has been hectic trying to keep things going.
There will be no meeting scheduled for this Wednesday due to lack of commitment
for financial support. I have had only 3 people call ofering to provide some
support for a total of approximately $90 - $100 maximum which does not come
close to cover costs of renting a hall, refeshments, etc... I am sorry but I
cannot afford to pick up the tab, which may become necessary if donations at
the meeting are insufficient. I am certain all can understand this problem.
It is somewhat frustrating to read of so many people who are victims of MPI,
and who wish for change yet not willing to be a realistic part of the solution.
Taking action against MPI costs money... hopefully not a lot however enough so
that it can't fall on the backs of just the few who have called to confirm
their support.
I will try to reschedule another meeting however unless more support (other
than words)is offered there is not much likely going to happen. I am not
looking to collect money in advance however commitments that their support will
be made real at the meeting is essential.
As for the MPI meeting on the 25th... I suspect MPI chose this date knowing of
our proposed town hall meeting... do you really think it is a coincidence? This
meeting is MPI's dog & pony show whereby they publicly release their annual
report which will say how wonderful they are. I was at same meeting 2 years ago
and they shut down quickly any overt attempt to pick on MPI... their response
will be... "we will look into and get back to you..." I am still waiting...
surprise, surprise!
It is still worth going, but don't get your hopes up too high. They are masters
at deflection.
There are other ideas which I am not prepared to comment on here as I don't
wish MPI to know any sooner than necessary what is being planned for them. I
can assure you that it will be not welcomed by MPI... I was waiting for the
town hall meeting to put the initiative forward.
I will wait to see if more support is offered during this week. 221-6415 |
| | iwuvmpi | June 23, 2008 6:08:31 PM | | Where are the opposition MLAs? Do they even care? |
| | mpisfavouriteclaimant | June 23, 2008 1:07:43 PM | | Unless Brad posts something in the next 24 hours (or so) I guess we can assume
there will only be one meeting and hey...why not have the refreshments at MPI's
expense ! I am looking forward to meeting others in a similar situation and
planning the next step (as 'injured' mentioned, perhaps the Legislature).
Count me in. |
| | injured | June 23, 2008 12:40:26 PM | | hope this meeting is not just for venting and no action. next step lets take
it to the leg thats only way the cameras will be there and not just reporters.
but please clearify if there are 2 meetings or not thx ps will be there |
| | on neutral ground | June 23, 2008 11:42:11 AM | | i'll be there for the 'come talk with us' someone post the venue and time of
the other meeting please |
| | quadmom | June 23, 2008 10:39:36 AM | | hello all!!! so who's attending the mpi "come talk with us" session on
wednesday the 25th? is the other meeting we talked about still on? let me
know. thanks |
| | Seriously Fed Up | June 22, 2008 12:24:27 PM | Are there 2 meetings?
Brad - did you ever set a time and place for your Town Hall meeting?
Erin - can you get your CTV contact to attend the MPI meeting at the CanadInn
on the 25th?
I hope huge numbers of people turn up to make themselves heard. This is our
chance. |
| | mpisfavouriteclaimant | June 22, 2008 11:10:50 AM | | Big Bill, 2 separate meetings on the same day. |
| | Big Bill | June 22, 2008 9:05:19 AM | Are we talking about the same meeting here, or two separate meetings on the same day?
Re: Brad
"We need 10 committed workers to help organize the "Town Hall" meeting for June 25th, 2008. This
Coalition must be driven from the ground up to ensure our direction and motives are pure. "
Re: mpisfavouriteclaimant
"MPI is hosting a community meeting. They are calling it "Come Talk With Us...Hearing from you keeps
us in touch." They claim, "this is a good chance for you to ask, in person, about the issues that concern
you." It is being held Wednesday June 25th @ 7:00PM Canad Inn Ambassador Room 'A' 1824 Pembina
Hwy. Refreshments will be served !" |
| | on neutral ground | June 20, 2008 8:23:23 PM | | That is great news that MPI is having a community meeting, maybe they are
finally going to start listening to the people who pay their salary, the
ratepayers. I will be there. |
| | mpisfavouriteclaimant | June 20, 2008 1:24:36 PM | Did anyone notice in the Winnipeg Free Press today (lower right corner of page
B3) that MPI is hosting a community meeting. They are calling it "Come Talk
With Us...Hearing from you keeps us in touch." They claim, "this is a good
chance for you to ask, in person, about the issues that concern you." It is
being held Wednesday June 25th @ 7:00PM Canad Inn Ambassador Room 'A' 1824
Pembina Hwy. Refreshments will be served !
To all those who have complaints, comments or otherwise...show up. Who knows,
perhaps the media might take an interest if enough of us show up. |
| | Vicki Rempel | June 16, 2008 12:46:15 PM | Dear Fellow Manitobans and Autopac rate payers;
On May 29th 2008, I went to my son's school to get my hair done for a family
wedding.
I am a Homecare worker, and I do not have a lot of cash to spare.
So I went to support the vocational students and to save a few bucks.
It cost me $20, and I left a nice tip.
While waiting at the exit to leave the parking lot, and to my shock, a
student ahead of me unexpectedly backed up into me instead of moving forward.
She said to me then and there that she saw me but that it was my job to get
out of her way.
I hadn't moved because I had no time to see if there was anyone else behind
or beside me.
All I could see was her - quickly backing into me!
We both put in our claims with autopac, both stating the collision was not
our fault.
She found a witness, another student, who said that I rear-ended her.
I have not found a witness, although I tried.
I asked the school principal for assistance, and whether the construction
crew working on the new gym had seen anything, and if the parking lot security
camera showed the collision.
No-one has come forward to support me.
I am unknown there - a fish out of water - a Mom at a high school.
Unfortunately, the camera did not show the area where the collision took
place.
I am now found 100% at fault.
I have been punished for not having a witness to support my story, and she
has been rewarded for finding one.
Even if I did find one, what if she found two?
It's just a game.
In addition to having to pay the deductable, this at-fault goes on my record,
which means a surcharge on my licence and autopac premiums.
I have shelled out extra insurance to the car rental place, because if
anything happened to the rental, I could not afford a second $500 deductable.
I now have a $900 hairdo, folks, and the cost could be climbing...
But the student, under the graduated licencing program, could have had even
more to lose, thus motivating her even more to lie.
My hair looks great, by the way - kudos to the hairdressing students - but my
heart is heavy knowing I am locked in an insurance system that rewards liars
who can recruit other liars.
Why should you care?
Next time she could be having a collision with you or someone you care about,
and if it worked before, she will probably try lying again.
The Truth is what was damaged the most in that parking lot.
Vicki Rempel
304 Sharp Blvd
Winnipeg, MB R3J 2K6
831-5199 |
| | brad | June 13, 2008 10:19:58 AM | I am well aware of the structure and mandate of the Claims Advisors Office,
however they are not all they are cracked up to be. While the MPI Act states
they are not employees of MPI the fact remains, they get paid by MPI, whether
it is direct or not, so folks don't be so naiave of how this system works.
While they are Civil Servants, the fact remains they do not fall under the
Civil Service Commission authority, and this comes from the horse's mouth, and
not mine. They report to MPI. Enough said.
The focus of Coalition of Rights & Freedoms for Justice is initially MPI and
whether you choose to become a supporter or not, is entirely up to you. There
is nothing which forces you to do or say anything you don't wish to other than
trying to support in general principles, the overall mandate of
justice."Membership" is a loose terminology, as there are no legal attachments
other than doing your best to support common goals & objectives... and if
getting rid of MPI is the only one you care about, so be it.
Everyone should know that getting rid of MPI may not be the best result, as
private insurers are simply a different game whereby injustice also prevails.
People from non-government insurance provinces will quickly tell you of their
horrow stories, such as only getting paid a maximum of $4,000 for pain &
suffering for minor injuries, which by medical & applicable legal definition
applies to 95% of all bodily injuries. So be careful of the poison you
choose... toxicitity is simply a matter of degrees!
Right now the injustice we need to fight against is the arbitrary decision to
terminate or decline benefits... to implement a better system of objective
decision making including the performance and role of so called Independent
Medical/Dental Examiners, and many others aspects of the system.
Nothing will change without there being a "will of the people" and right now
the "will of the people" is limited to only a handful of people who are willing
to put in the effort of time and whether we like to admit it, some money to
cover costs.
If you want to help out, call 221-6415 and leave your name and phone number
where I can reach you. |
| | injured mva | June 12, 2008 2:36:14 PM | | hi wanted to know if anybody out there has a good lawyer who kicks $%!#* and does
not buckle under for these guys. also would like to know when is the meeting
going to take place thx |
| | ron | June 9, 2008 10:52:51 PM | | Kicking mpic out sounds great, any way I can help bring them down, let me know
Ill tell a few friends. |
| | coalition supporter | June 6, 2008 9:57:19 PM | | i want to learn more about this coalition of rights & freedoms for justice. is
it about mpi? no fault? i'm all for justice but i prefer to focus my support
on ridding manitoba of mpic and it's arbitrary biased administration of pipp
benefits to those of us with the misfortune of being involved in an mva. if i
volunteer to be part of your coalition will i be working on other unrelated
issues? perhaps a better name might be "coalition against MPIC", i think the
name is confusing |
| | on neutral ground | June 6, 2008 9:40:25 PM | brad - FYI here is info about the CAO. It is run in the same manner as the
AICAC. I have heard good things about both the CAO and AICAC (with the
exception of some of the Taylor decisions in the 'early years'). Below is an
excerpt from the MPIC Act posted online. Good luck with your organizing, I'll
be there once the time and place are announced !
Claimant Advisers
Claimant adviser office established
174.1(1) The claimant adviser office is established.
Appointing claimant advisers
174.1(2) Claimant advisers and other staff of the claimant adviser office
must be appointed and employed by the government under The Civil Service Act,
and are not employees of the corporation.
S.M. 2004, c. 3, s. 2.
Claimant may request assistance
174.2(1) A claimant may request that a claimant adviser provide assistance
as set out in this section or the regulations.
Claimant adviser may assist
174.2(2) A claimant adviser may assist a claimant in appealing a review
decision to the commission by
(a) advising him or her about the meaning and effect of the provisions of this
Act, the regulations and decisions made under this Act;
(b) carrying out an investigation or inspection, including obtaining an expert
opinion, respecting his or her claim; and
(c) communicating with or appearing before the commission on his or her behalf.
Disclosure of documents to claimant adviser
174.2(3) A claimant adviser, when authorized by a claimant, has the same
right as the claimant under section 151.
Section 199 applies
174.2(4) Section 199 applies, with necessary changes, to claimant advisers
and all other staff and agents of the claimant adviser office.
Regulations respecting claimant advisers
174.2(5) The minister may make regulations prescribing additional duties to
be performed by claimant advisers.
S.M. 2004, c. 3, s. 2.
Costs to be paid out of Consolidated Fund
174.3(1) The salaries of claimant advisers and staff, and all costs incurred
in connection with the claimant adviser office, shall be paid out of the
Consolidated Fund.
Corporation to pay costs into Consolidated Fund
174.3(2) The minister shall, at the beginning of a fiscal year and at such
other times as he or she considers necessary, estimate the amount of the
salaries and costs under subsection (1) for the fiscal year. Upon the approval
of the estimated amount by the Lieutenant Governor in Council, the corporation
shall pay it into the Consolidated Fund. |
| | Erin | June 6, 2008 11:19:54 AM | | I have a media contact at CTV if this meeting is to take place. I would love
to see MPI go down. Luckily I have never been injured in an accident and
have not had to deal with that part of the organization, however, when I was
17 my poor little Acadian Scooter was side-swiped by a middle-aged man in a
company van... and a poodle running around loose in the van. I was at a
complete stop when this happened, but was in mid lane-change with nowhere to
go as the light was red. When I made my claim, my adjuster said "Even though
you were not in motion at the time, you are at fault because you are the
younger, less experienced driver and must have been doing something wrong."
WORD FOR WORD. I will never forget those words.
Year after year fees increase, and we get rebates... why not just stop
increasing fees? It will remove administrative costs of giving us our
rebates, and the money can collect interest in OUR bank accounts instead of
theirs for the year that they have it! We're not getting better coverage for
these fees either.
The Acadian survived only to be rear-ended 5 years later... at nearly $700 a
year for insurance, they tried to pay out only $650 to write it off... WHAT A
JOKE! They didn't even want to pay out the costs of the insurance for the
year! Really, what is the point of insurance if it does not insure you from
anything?
A little healthy competition should not only even out the playing field, but
will create many much-needed jobs here in Winnipeg.
To the blog admin: please contact me when this Town Hall style meeting is
confirmed to take place - I will have the media on board. |
| | brad | June 4, 2008 12:04:15 PM | Coalition of Rights & Freedoms for Justice
This is a follow up to prior comments regarding this new initiative. Only a
small number of people have come forward to offer support for the town hall
meeting proposed. We need more workers to make certain this happens. We may not
be able to convince the government to get rid of MPI however we most certainly
can get changes made to how they conduct business, especially how they have no
regard for human dignity and respect of injured accident victims.
The huge surplus of profit they have developed comes right off the backs of
injured accident victims. MPI could care less... to them their mandate is not
to pay a nickel more than what they can get away with.
Did you know that while the MPI Act states that the Claims Advisor's Office are
civil servants that the Civil Service Commission has no authority over this
office. The Civil Service Commission wrote stating Claims Advisors report to
MPI as part of the Crown Corporation. So much for the myth they are
independent. At least now it is in writing.
We need 10 committed workers to help organize the "Town Hall" meeting for June
25th, 2008. This Coalition must be driven from the ground up to ensure our
direction and motives are pure.
We are searching for a place which is inexpensive to rent and reasonably
central. Thoughts and ideas are welcome.
We need $421 to cover the cost of 3 banner ads in the Winnipeg Sun.
We need to put up posters at Safeway stores, Sobey's etc and any other well
displayed public area.
We need people to help prepare documents to be handed out to everyone who
attends.
We are planning to have a table of appropriate people to respond to questions
and concerns... We do not want this to appear like we are a lynch mob....
I have one very notable media source willing to attend. I am certain others
will join in.
We are open to recommendations from supporters.
Please call 219-9550.. leave a message if no one is available. |
| | C. Begley | May 29, 2008 7:42:29 PM | Your artcle in the Free Press on 29 May , re Safe Cycling is a load of crap.
It is very very dangerous cycling on the main roadsin Winnipeg, like Osborne
and Pembina . The cycle markings that you have put on the roads, eg Dunkirk
Drive , mean absorlutley nothing. As the side walks on the major roads are not
used by walkers, and as I would slow down to a stop , while passing a walker,
and as I have a bell, I can pass walker safely. Also I always go on the side
walk facing the on coming traffic, so I can see if anyone is turning onto the
driveway or street, and I will stop.
Several times this week I almost got killed by motorists going so close to me
on Dunkirk Drive. I refuse to use the main roads in Winnipeg untill they make
proper bicyle lanes. As pedestrians hardly ever use the main road sidewalks,
why can't we use them, until you get real bicycle lanes.
I think you are wasting everybody's time and money puting out such a terrible
ad.Why don't you get cyclists to get lights at night and a bell to let people
know they are coming.
from Charles Begley Not impressed with MPI and Safe Cycling. Get a Cyclist to
write it next time.
Apparently, Charles is referring to an article MPI wrote. MPIsucks.com certainly didn't. |
| | absolutepressure | May 27, 2008 6:34:27 PM | | If the vehicle in question is not electronically controlled engine, the
immobilizer will still interrupt the starter and the ignition circuts.
So now with a electronically controlled engine it uses fuel, Ignition and
starter circut's. These circuts are cut and the immobilizer is placed in series.
Thus adding resistance to the applied circut causing premature wear on the
electronic and electrical circuts. Now as for the Installers there is a large
majority of them who are not certified journeyperson mechanics. When you have a
Immobilizer installed ask for a journeyperson mechanic and ask for their red
seal cert # and ask to see the red seal certificate. That is completely
reasonable and any journeyperson would be proud to show you their certification.
Now when it fails and it will "tow job one" go to a install center to verify
that it's not the immobilizer then they will say "nope nuttin wrong with the
immobilizer take it to a mechanic. Tow job 2 now the mechanic fixes poor
connection from non approved electronic device in vehicle boom customer eats 2
tow bills and labour to repair the free immobilizer.
P.S Guess what Ward did before operating Ward's auto security, immobilizer
install shop. starts with a M and ends with a I???????? |
| | CK | May 27, 2008 1:56:14 PM | | How about the graduated licence system. There punishing younger kids when the
seniors should be the one's being tested. I had an accident about a year ago.
This senior had pulled in front of me leaving me about a second to stop
traveling 50km. When i asked her if she saw me she said and i quote "were your
lights on" it was 1:30Pm on a clear sunny day. Now granted kids drive a little
faster but there reaction times are far superior. I think adding 16 months of
driving with an adult is only going to make a kid want to drive faster when he
is alone or with his friends. The immobilizer being forced into our cars is
another joke. 1985 Pontiac Firebird and a 2000-2004 ACURA TSX both on MPI's
List. Now how does the same immobilizer work in both those cars. Some cars on
there list don't even have a CPU. |
| | Fred | May 26, 2008 8:03:23 PM | | I think it is time to have a level playing field. Allow a choice of either
going to MPIC or a private car insurance company. If MPI is as great as it
makes itself out to be it should have no problem hanging on when there is
competition. I want to have choices instead of MPI ramming its own policies
down our throat whether we like it or not. Wouldn't it be nice to shop around
and find the type of vehicle insurance that suits you and not a "one size fits
all" socialist approach. And its time to get away from no-fault insurance...it
does not benefit anyone but the insurance corp because again it is a "one size
fits all" socialist approach. If people want to focus on change this should be
the direction to MPIC off our backs. |
| | Seriously Fed Up | May 26, 2008 11:19:50 AM | | Name a time and place for a meeting to begin the process of ridding this
province of MPI and I will be there. I will bring some bumper stickers too for
anyone who wants to publicly advertise their frustration with MPI. They are
really great looking ! If anyone wants to aquire prior to the meeting let me
know. The stickers proudly proclaim WWW.MPIsucks.COM |
| | mpisfavouriteclaimant | May 26, 2008 11:12:01 AM | Count me in for a town hall type meeting. I am inclined to believe that the
media won't care. MPI does LOTS of expensive advertising in the Winnipeg Free
Press and they are unlikely to step on MPI's toes.
Try contacting Lindsey Wiebe at the Winnipeg Free Press. She did a story about MPISucks.com on February 10, 2008 and may be interested in reporting about your town hall type meeting. Read the story |
| | quadmom | May 25, 2008 1:42:10 PM | | brad, i totally agree and am in. i'll call that number this week. lets get
this going.....it well past due!!! see you soon |
| | absolutepressure | May 24, 2008 11:05:33 PM | | Manitoba public insurance will do what ever they want make you install a un
approved anti theft system in my car and because I have a command start I have
to pay 80 bucks. Now tell me how that's not a money grab when they "our" public
insurance company is allready paying them 300 all ready. So I have to pay 80
bucks to have a anti theft system slammed in my car by hose "a" who has no
business poking into a vehicles wirring harness these "installers" who are
approved V.S.I.B. installers most of them are not certified journeyperson
mechanics. As for the 80 bucks to cover the extra work is $%!#* cuz when you
have a command start they use only one of the three shut down circuts and a .50
cent bosch relay. Ok so now lets say your car just doesent start one day now
it has to go to a C.A.A. approver shop to be checked before it can go to a
garage of your choice. So when they tell you that there is only a one percent
failure rate on these M.P.I. boxes of junk ask your self when winnipegs fire
truck was stolden why didn't they put in the fire trucks I believe the city's
responce in the paper was that they are too unreliable so good luck with the
M.P.I. immobilizer program I hear hydro is gonna make us buy there furnaces
soon. |
| | brad | May 24, 2008 2:47:49 PM | Anyone who wishes to be part of a coalition against MPI, please send e-mail to
irxperts@gmail.com or call them at 221-6415.
The Law Society of Manitoba who represents all Manitoba lawyers now wishes to
prevent claimants from choosing who can represent them for an Internal Review
or an Appeal, in spite of the fact that MPI's advertises claimants can choose
anyone they wish, even if not a lawyer. In my case I have IRX - Injustice
Resolution Xperts who are being told to cease and desist.
It is bad enough that MPI screws around with us, now the legal profession wants
to join forces with MPI. Isn't this typical of our legal system doesn't work
for us?
I say let's hold a town hall meeting and invite everyone and anyone who wishes
to say what they feel about MPI and our loss of rights. I need at least 20
people to throw $10 into a pot to cover the expense of this meeting. IRX is
collecting commitments from people to help organize. I think media outlets
would give us good coverage.
It is time to put up or shut up! |
| | Real Motocyclist, no scooter joke! | May 24, 2008 11:04:28 AM | | This is a comment about MPI's unfairness (what's new eh?) for motorcyclists
compared to "scooter riders". I cannot understand why us "real motorcyclists"
have to pay extremely high insurance premiums while scooter "biker wanna bes"
get away with cheap insurance. Let's face it, look at most (not all) of these
wannabes they have no clue what to drive a bike is like in traffic, they are
just at as much risk as us the real motorcylists and also, very often, car
drivers are put at risk of an accident to avoid this little fies sharing the
road. Many times, car drivers get into accidents thanks to the motorcyclist
wannabe's stupidity and the wannabe simply keeps going oblivious to what he /
she just caused. C'MON MPI get this wannabes on line and tag them just as you
tag us real motorcyclists, that will reduce the amount of clumpsy wannabes
riding scooters because as it is right now, just about any idiot can afford and
ride one of those joke bikes (scooters) |
| | Mercedes | May 24, 2008 1:46:27 AM | | MPIC has deceided to swindle policiy holders againt fair settlements.
I think most of the adjusters try systemiclly to chean and swindle innocent
people. The more they swindle, the adjusters get rewareded better. |
| | mercedes | May 24, 2008 1:44:01 AM | | Mpic is full of morons. Most of them can not even follow simple instructons.
Do these people have any standerd IQ tests. |
| | the pedestrian | May 16, 2008 10:20:47 PM | | Thank you "sick of it" for your reply. I am SO in agreement of what you have
said. The young man who was the unfortunate one that had been driving the truck
with the faults (many of them) due to lack of maintenance is the one who lives
with what happened, and when all of this is over I plan to contact him as he is
not the one at fault. He is roughly the same age as family members and I can
only imagine the guilt that my nephews would feel if they had been the one
driving the truck. The day of the accident was his first day on the job for
this company and it was as well unfortunate for him. I have nothing but empathy
for him and hate for the owner of the vehicles for putting us both in the
position we found ourselves in. I hope contact with the dyoung man will elp us
both heal. |
| | sick of it | May 14, 2008 2:38:04 PM | Re: The pedestrian
I am not telling this story to get sympathy for the driver. The safety of a
vehicle is ultimately the driver's responsibility and I agree with this; I
provide this story as yet another reason why we should be able to sue those who
destroy our lives in an MVA. The owner of a fleet of vehicles does not care
about the safety of their vehicles for many reasons.
Safety costs Money.
They don't have to drive it.
They can't be sued.
There is no infrastructure to make them fix it.
For every driver who refuses to drive it there are ten that will.
The events I describe took place over ten years ago and they still go on today.
First and foremost I was not involved in any MVA's with these vehicles and I
have 4 merits on my license.
I used to drive for a WPG trucking company who would not maintain their 30
trucks. 5 tons and single axle tractors operating in the city of WPG. For a
year I drove a 5-ton with no rear brakes; the front brakes were functioning. I
mastered the art of gearing down. When I went to the Transportation Safety
Board (TSB) with my complaints the fault was immediately put on me because it
is my reasonability to ensure the vehicle I drive is road worthy. I was not
taken seriously because I had already quit. This despite them having one of the
trucks in question; pulled off the road the same day I was there. He had the
fax on his desk and he mistakenly showed it to me thinking that I was the
driver of that truck. It was impounded on the spot for faulty brakes. This
despite another driver who got fed up with driving a truck with faulty brakes
(my old truck) After he almost drove over a pedestrian he drove it to the same
TSB inspection office I was sitting in and refused to drive it further and
asked the TSB to inspect it. The TSB contacted the company and told them to
pick up their truck. The owner picked up his truck and the driver was fired.
The TSB did nothing because he didn't follow proper procedures. "You can't just
drop off a truck and refuse to drive it." The labor board did nothing because
he couldn't prove that his vehicle was unsafe. That's the TSB's job and
apparently they don't take walk-ins. When a driver stood up at a staff meeting
about his fifth-wheel being loose and the mechanic not fixing it. The owner of
the company said "You either drive it or I will find someone who will." as he
proudly displays a stack of completed application forms. The fifth wheel is the
only thing that's holds the trailer to the tractor.
I told the TSB inspector many stories; but it all meant nothing because I quit
my job before talking to the TSB. Therefore, I am a disgruntled employee with
nothing to lose so I will say anything.
It is a joke! The TSB inspection office's walls are decorated with pictures of
the Billionaire owners of the trucking companies of Manitoba; proudly shaking
some Government dignitary's hand being awarded with some award of safety. It is
no wonder why they get these awards when safety complaints are handled like
this.
No Fault Insurance creates an above the law mentality for those who simply
don't care about the well being of their fellow humans. MPI is one more
Government entity whose only purpose is to protect the economy. It doesn't
matter if you are the driver of the truck or the victim of the driver; it's
quit your whining and back to work.
I am not belittling your injuries and I am not defending the driver.
Sick of it |
| | Lynn | May 10, 2008 6:32:48 PM | The news carried a story the other day about a fellow who was tailgated by
another vehicle full of kids.. They were laughing and having a good time at his
expense. It was quite dangerous and they ended up forcing him off the road so
the story went. 750 dollars damage to his vehicle and MPI expects him to pay the
deductible since he did not get the plate number of the vehicle. (He was too
busy trying to avoid the vehicle) Or he needs another witness to come forward..
We know they are out there, we know they are endangering the lives of other
people.
One would hope that the driving record and no claims history of this formerly
well trusted customer would count for something? (If that were the case) After
all, we are their customers. Sometimes it seems like you are dealing with a two
headed dragon, and the bad side keeps taking command. |
| | brad | May 8, 2008 12:38:44 PM | I have spoken with the fellows at IRX - Injustice Resolution Xperts and they
are more than willing to lead a fight for consumer rights whether it be against
MPI, WCB, or insurance companies in general.
As to the nature of services they provide, I can tell you that for me they are
taking a lead as my personal representative (which is within my legal rights)
and are preparing a report to present to MPI, which will most likely turn into
an appeal, given MPI's pre-disposition to ignoring facts, truth and reality.
They have extensive insurance claims backgrounds, as well as experience in
negotiations, mediation and arbitration. They know how the system works, which
is a big reason why MPI obviously is afraid of them.
For me they are doing a comprehensive file assessment of medical history
involving medical diagnoses by physicians, effectiveness of current treatment
program, functional capacities evaluations, occupational rehab assessment,
insurer's counter medical opinions, impact of injury on quality of life
assessment and whatever else is required.
I also know they have plans to fight insurers, which includes MPI, through a
coalition they are organizing. I think they are planning a town hall meeting
for people to vent about their insurers, and just MPI.
Anyway... I have no plans to be their poster boy... however they seem like good
sincere fellows who care about how people's lives are being destroyed by
insurers and want to make a difference.
If you want to know more about them, I suggest you call them at 219-9550 or
fax them at 219-9557 or e-mail they at "irxperts@gmail.com" I will say that
they do not appear to be the type to lead you on and have you believe there may
be a chance when there isn't. They spoke in plain & simple terms.
I should be on commission. I just know that after several years of fighting the
MPI system it was nice to have someone empathize with me. |
| | the pedestrian | May 7, 2008 8:42:33 PM | | Brian, I say let us do it. I am for anything that helps bring an end to the
unfair one sided system currently used by MPI. I would like to know more about
the organization you have involved in your fight against MPI. Have they been
involved from the beginning? Are you near the end with an offer and then
brought them in? I am hoping to have a settlement offer in the near future, and
would consider using them if I knew more about them. Can you outline their
involvement, fees, etc? |
| | quadmom | May 7, 2008 1:00:16 PM | | i totally agree we all have to band together and fight for our rights. lets
get together and discuss our options be it going to the media or going to the
legislature etc. e-mail me at quadmom27@hotmail.com so we can get the ball
rolling. |
| | brad | May 6, 2008 6:45:27 PM | Unbelievable!
Since 1994, when no fault scheme was introduced MPI has allowed injured
accidents the right to be represented by agent of choice who need not be a
lawyer. This right is extended as per the Manitoba Insurance Corporation Act
and Regulation 38/94. IRX - Injustice Resolutions Xperts, who are handling my
claim against MPI, are now being told if they represent claimants they will be
guilty of the unauthorized practice of law. However, MPI says your friends or
family can represent you... DUH!
The Law Society of Manitoba, representing all lawyers, says they support MPI
and not injured accident victims. The MPI Act says claims are not founded
in "tort" (commonly known as right to sue for damages)... The Legal Profession
Act says a person negotiating claims not founded in "tort" are exempt from The
Legal Prof Act.
The MPI Act also says you can choose to use a "claims advisor" from the Claims
Advisors Office, even though these individuals are not lawyers and not exempt
from The Legal Profession Act. Isn't it interesting MPI pays the salaries and
expenses for the Claims Advisors Office, as well as the Automobile Injury
Compensation Appeal Commission?
We all know that lawyers are really not interested in dealing with small claims
that do not yield a good return on fees; OR... they handle work for MPI and
have a conflict of interest: OR... they simply don't care about us "little"
people.
1. So where does an injured accident victim go for help when MPI begins
screwing them around?
2. Suddenly after 14 years, why are MPI and Legal Profession now concerned who
can represent injured accident victims? It has been the same MPI Act and Legal
Profession Act, so why now?
3. What gives MPI the right to decide who we can get help from?
The answers are simple. MPI doesn't like accident victims being represented by
anybody who knows the system... knows insurance... understands what "bad faith"
is. MPI and Law Society believe they can do whatever they want... to whomever
they want... whenever they want... and they call it justice... and sadly, they
will often be supported by the judicial system! They want total control at all
times.
MPI stands for...
M - manipulative
P - predictable
I - injustice
I have mentioned IRX - Injustice Resolution Xperts not because I particularly
care about them... however I do care that I have the right to use them or
anybody else I choose.
MPI not only wants to deny us entitled benefits, now they wish to deny us the
right to a fair fight! Is anyone surprised? Anyone interested is getting
petitions signed and picketting MPI and the Law Society Office? Let me know and
I will organize this. |
| | mpisfavouriteclaimant | May 4, 2008 5:27:09 PM | | Thank you 'quadmom' for telling it like it is. I am glad that 'mpi supporter'
didn't need mpi support on a long-term basis, great luck. MPI fails when
someone is injured and can't recover to their pre-accident life. They do not
provide adequate support to help people. MPI may be OK for those people with
minor injuries requiring a few physiotherapy visits but not when someone is
hurt beyond repair, not every injury heals. |
| | quadmom | May 4, 2008 2:43:29 PM | | in response to "MPI Supporter", i too was in a catastrophic accident and its
great you healed and were able to get back to work. if i were only that
lucky!! i am a quadriplegic now with limited use of my hands and arms. i live
in constant pain and have 2 young children to care for also. i am very greatful
to have MPI coverage because if i didn't i'd be living in an institution but
and thats a big but, it doesn't cover what they make you think. my spinal cord
doctors prescribe pain meds but MPI'S dr.'s say i don't need them. a dr. who
has never met me. so i live in pain. the amounts they have for coverage of
personal care is a joke. they expect family to do it eventhough it is the job
of the insurer. they give me $266 bi-weekly to care for my 2 very young
children. whats that???? i need 24 hr care for them as i cannot care for them
all by myself so i have to cover the cost of a nanny. i do receive income
replacement which is great but if you think you can make some extra $$$ on the
side to supplement your income or save for your kids education you can't. you
have to give that $$$ back to them. they take all motivation away. my young
daughter was in the accident with me. she is still traumatised by it and mpi
refuses to cover counselling for her. the list goes on and on. i do agree
that there are a lot of people who use the system and are lazy. they say
they're injured because they don't want to work, but i feel sorry for anyone
who is in an accident and who's life is changed forever unable to get better
like a severe spinal injury, head trauma or an amputation. mr. mpi supporrter,
the reason you didn't have a problem with mpi was that you got better!!!! try
having to deal with them for the rest of your life. having to hire a lawyer to
fight for obviously needed things like pain medication, care for your
traumatized child and items to make your home accessible for your wheelchair.
if you are in an accident, it is the job of your insurer to take care of you.
not your families. the only people who think mpi is good is the people who've
never dealt with them or people who've been injured BUT have gotten better!! |
| | MPI Supporter | May 4, 2008 3:45:11 AM | Let me start off by saying I have had to deal with the MPI for a Bodily Injury claim a few years ago when
I was seriously injured in an accident, I was in the hospital for weeks, unable to work or go back
university, and needed months of physical therapy and time for recovery. I personally think the system
was pretty good. I had absolutely no problems. I was back to work and fully recovered faster than
doctors had planned. I currently live overseas, and am appalled at the coverage these private insurance
companies offer.
To the motorcycle owners: If you had ANY common sense, you would understand why rates are so high,
sure there are some good motorcycle drivers on our roads, but the majority ride around racing and zig
zag in and out of traffic.
To guy who's son stole his car: You "grounded him on weekends" Seriously? That is what you call
discipline? No wonder he stole the family car, he knew he would just get a slap on the wrist. What would
you have done if he had injured someone in that car accident, taken the Tv and video games away too?
Wow unbelievable.
To the person wondering about insurance on the Drivers License: The $40 covers you if somehow you
drive a vehicle that is not insured, it's called uninsured motorist coverage. If you forget to renew your
own policy on time and get in an accident, or unintentionally drive someone else's car that is not
insured. Next time you want an answer, try being polite.
To everyone else that comes here to complain: Try thinking more positively, and maybe your recovery
too will be faster than expected, oh wait, you were hoping to get a free ride because that is what
insurance is for, my mistake. |
| | MK | May 2, 2008 4:09:42 PM | I'm following up on an earlier posting to say that I managed to negotiate a
reasonable settlement with MPIC over the dispute about my son's accident. The
operant word here is reasonable; After consulting with legal I took my complaint
to a very amicable MPIC supervisor who found some logic in my claim. We reached
a compromise.
I thought perhaps you folks would care to know.
MK |
| | Jean | May 2, 2008 11:45:04 AM | I have lived in europe most of my life and came to Winnipeg a few years ago. To
insure my 30-year old motorcycle with no fire/theft protection, basic insurance
etc it used to cost me 470 euros there (730 CAD), taxes included. This is for
one year worth of insurance, the weather there actually does allow riding a
motorcycle 365 days a year.
To insure a similar bike in Manitoba, with similar services (that is no
fire/theft protection), maximum deductible... MPI quoted me over 1300 CAD (plus
taxes), for a year worth of insurance. The catch is in Manitoba at best you can
drive 1/2 of the year.
That makes my insurance in Manitoba at least 4 times more expensive than what
the European rates are.
Anybody who has gone to Europe will tell you that drivers are maniac there.
Accidents do happen there and claims are also filled, in big numbers. Driving a
motorcycle there is at least more dangerous than driving one in Manitoba.
In Europe you have freedom of choosing which private company you want to be
insured with. This makes the insurance companies willing to provide better
services and better rates to attract customers.
How can MPI explain the high rates? One reason could be that MPI takes
advantages of its monopole over vehicle insurance in Manitoba. |
| | the pedestrian | May 1, 2008 9:46:32 PM | | After reading the post from MIke, dated April 15, I feel the need to respond
about his comments for those who have been injured and the right to sue. I do
understand as manyof us who have been injured, that there are no guarantees
with anything, but when your body is mangled and your life as well as that of
your loved ones is turned upside down what MPI has to offer is a joke. I am not
going to go into alot of detail surrounding my case, but as a pedestrian having
suffered injuries that nearly took my life, I am fighting for the tray set up
fee for the acupuncture that has been helping with the pain I endure in my
upper body every hour of every day as a result of having 14 ribs, a
shoulderblade and both collarbones broken. (I suffered more internal injuries
than just he broken bones)I am fighting for a $5.00/ week fee! Yet MPI boasts
that they are as of May 1 sending out millions of dollars to those in our
province as a rebate. If I had known over the past couple of years that the
rebate I was recieving was at the expense of those that need the money, I would
have gladly handed it to someone with a calim with MPI. The jerk that was
responsible for my injuries was at fault for a business vehicle that had many
safety issues that had been ignored and I cannot go after him for a penny,nor a
day in jail. He paid a minimal fine and gets out of bed every day and his life
is no different. I cannot get out of bed without the assistance of a bed rail.
I cannot change the sheets on my bed by myself due to the injuriesI sustained.
Some items that have been reccommended by my physician have been deemed
not "medically necesssary" by MPI's wonderful Medical Director. Who is he to
say what will make my day easier and give me back some sort of normalcy and
independance? Walk a mile in my shoes and then say that things could be worse.
Maybe they could be worse, but the treatment and "benefits" I recieve are the
same as someone who is "at fault" and injured in a MVA. There needs to be some
serious changes in this province as far as insurance goes. Give us the option
to sue, or the option to go with the current program. Options are what are
needed, not a forced program. I am stepping down off of my soap box now. |
| | quadmom | April 29, 2008 2:55:40 PM | | hello all!! i'd like to give my e-mail address to everyone who wants the mpi
scheme to change. if you've been in an accident and don't feel you've been
taken care of by them please contact me so we can make a change and no one has
to suffer like us anymore. we need to start now. if we don't do anything who
will. it will just keep going and more innocent people will have to suffer at
mpi's hands. e-mail me your stories and info to quadmom27@hotmail.com. |
| | New in Manitoba | April 25, 2008 3:37:46 PM | | Wow, This Mpi thing really is twisted. In every province I have lived in (4 of
them) each one had the same rule when insuring your cars. But here nope! In
every province other then this one if you have a car that is not use for
colladerial on any loans you can insure that car for just PUBLIC LIABILIY AND
PUBLIC DAMAGE PL&PD)which mean if you hit some one-you will cover their car and
and public any damage caused but it won't cover the repairs to your car. Which
if you have a car you drive very little you would pay only 300-500 buck a year
for priviledge of getting around town. |
| | mk | April 24, 2008 11:06:18 AM | Thanks Brad. I appreciate your advice.
MK |
| | brad | April 23, 2008 12:15:04 AM | Dear MK..
Thank you for sharing your problem regarding MPI's decision to seek restitution
for the damages paid as a result of the accident. I am not certain if your son
truly deserves sympathy for the consequences of his actions, HOWEVER, I do
question MPI's ability to arbitrarily decide who they go after or not, which I
am well aware is how they go about business.
If you are looking for some assistance, I suggest you call IRX - Injustice
Resolution Xperts, who try to find ways to resolve the challenges consumers
face with insurers and other non-insurance agencies. You may have grounds to
appeal MPI's decision, and if it can be demonstrated they are acting in an
arbitrary manner there may be reasonable grounds to seek a compromise, which is
part of what I believe you are willing to live with.
IRX can be reached at 219-9550. They successfully helped a friend of mine,
albeit it was a WCB claim... different government agency but same mentality.
You have nothing to lose. |
| | MK | April 22, 2008 12:18:32 PM | I'm attaching correspondence with MPIC that describes my family's experience. A
year ago, my 15 year old son stole the family car and totalled it. Autopac is
demanding he repay the cost of the vehicle and telling me they will withold his
license and sue him as an adult unless this amount is paid. My response is
contained in the attached letter, and I would apreciate any advice.
Mr. Rod Carruthers
P.0. Box 6300b
Rm 929
234 Donald St.
Winnipeg, MB
R3C 4A4
Dear Mr. Carruthers,
I’m following up our conversation of last Friday, in which we discussed my
son, and your Agency’s decision to demand compensation for the costs of his
accident last year.
For the record let me question the criteria for subrogation: It was clear from
my conversation with Ian Addsion [adjustor] that you can exercise discretion in
which cases you choose to pursue. So why Evan?
When I put that question to Joanne [subrogation] she stated that he had done
wrong and must be punished for his action. I replied that he had been punished,
severely: He’s been grounded weekends since the offense, has been forced to do
charitable work and continues to impress us with his remorse for his impulsive
action. And shouldn’t the fact that he had no history of bad behaviour prior to
the accident and evidenced none since, be important components in your
decision. Surely had this matter been tried in a legal court his record and
impulsivity would be factors in the court’s decision as would propensity for
future offense. And what magistrate would deem a fine of $17,000.00 against a
15-year-old child who’s been severely restricted in the year following the
accident and whose remorse is apparent a fair decision.
So it’s clear to me that, despite your insistence that Evan be held accountable
for these costs, the onus of payment is on his mother and I, not Evan. Again
let me ask rhetorically whether 2 hard working people with limited means – his
mother works as a teacher’s aid and I’m employed by the CBC, with a $175,000
mortgage - who’ve done everything to instill a sense of responsibility and
accountability in their 3 children, should be penalized for an impulsive action
of one of those children.
Surely you must acknowledge that the penalty for an impulsive and irresponsible
action that I, and possibly you, committed as underage adolescents, is hugely
excessive. Furthermore, I don’t have the means to pay it. I have arranged a
7500.00-dollar loan from my bank and that’s what I’m prepared to offer
immediately to make this go away. |
| | mike | April 21, 2008 5:52:58 PM | | i think we the people should protest in front of the legacy sports clinic and
also dr.neil cratons house.dr.neil craton works out of the legacy clinic and is
also a moonlighting vet is what i call them for mpi.he is the medical director
for mpi and he also can,t tell the differance between a torn rotater cuff and a
broken finger. |
| | John | April 19, 2008 6:09:26 PM | | Perhaps this is a stupid thing to do, but after the posts, being reminded once
again that MPIC is so morally bankrupt, and in my opinion from my experience
even intellectually-challenged, that it apparently has to resort to cheap,
juvenile tactics, like month-long delays to beat or frustrate injury claimants,
I realized that somebody has to break the ice on this valuable blog--somebody
has to give a name and a phone number. There may be claimants out there who
perhaps don't really have a valid or defensible claim, there may be claimants
out there who have relatively minor gripes (though they too are entitled to
justice) but there's probably many decent, law abiding claimants whose rights
are just being steamrolled over by a powerful and corrupt MPIC. There's a
pattern to the tactics that MPIC uses and the names of certain MPIC personnel
keep coming up. Having a lawyer is a good thing for claimants to have, but MPIC
will ensure that its not a quick fix. MPIC lawyers blow-off claimants' lawyers
with almost the same ease that they blow off unrepresented lawyer. Anyways,call
me. I'm a claimant, I'm not necessarily looking for help, but maybe we can share
valuable information. My number is 275-2527. That I have to do something like
this, in response to a corrupt Manitoba government insurance monopoly, is a
black eye on Manitoba. |
| | Michelle | April 19, 2008 12:55:41 PM | | I have absolutely had it with MPIC. They truly are an evil and corrupt entity.
After sitting on my file forever they finally decide to respond and reject my
claim. Which in itself is unjust. Yet to make matters worse they have not
forwarded requested information to my employee disability plan which has
resulted in a delay in receiving any benefits from them either. I swear this
entity is going to be the death of me.......... I think they scout out the
depths of society to find the most evil heartless individuals they can to employ
in the PIPC department. |
| | willey raod runnner | April 16, 2008 12:45:15 AM | | With reference to a previous post, though I know that MPIC is corrupt and
powerful and unaccountable, I won't diss the Automobile Injury Compensation
Appeal Commission nor the Claimant Adviser Office. The Commission has on
occasions severely rapped MPI's knuckles and the CAO people aren't dummies.
However, of course, if you can get a real lawyer to help you, forget about your
piddly injury claim, and just go for MPI's jugular. Sue the pants off of MPI for
acting in bad faith and expose the case managers, medical personnel, lawyers and
executives for the corrupt cowards that they are. |
| | frustrated | April 15, 2008 9:05:22 PM | | lol rick, who really knows the 100% facts....I sure don't and don't claim too.
I can only do the best I can with what I have at this moment. EVERYBODY has
the freedom to double check all information placed in front of them. lol get
a paper hey, even that is a luxury right now. I pray for you that you will
NEVER need the services you think you have. |
| | Big Bill | April 15, 2008 6:49:25 PM | Hi Rick.
The bad thing about having only one insurance company is, that you have no one to go to bat for you.
In one of my previous careers I was a professional long distance truck driver.
I've driven a couple million miles, been an owner operator, worked for Canadian and American trucking
companies, and over the years I have had dealings and spoken to many other people in the industry,
including lawyers and insurance companies on both sides of the border, concerning claims on damaged
loads, vehicle accidents, warranty issues, etc...., and a claim concerning a house fire in 1982 when an
excavator broke a gas line, our furnace ignited and set off the accumulating gas in the basement.
This I can tell you from experience!
If more than one insurance company is involved, and if you are clearly innocent of any wrong doing, in
most cases they don't ask questions, or nit pick about the cost of replacement, lost wages, or medical
needs, they take care of you and your needs, right now, and for as long as need be!
They will take the other insurance company to court to recoup any losses, if there is any resistance
from the insurer who's client is at fault!
They remove you from the process, and they don't bully or pressure you into submission, which is how
it should be, that's what you are paying for!
Isn't it?
The problem with MPIC is, you take what they give, fair or not, and you have no recourse, period!
Even before the introduction of "no fault insurance", (what a stupid notion that is), if you were someone
like myself, you had to sue your own insurance company to get any help or support whatsoever.
Lawyers were just a formality, middle men that charged you 30% of whatever you received.
It's a very lonely experience! |
| | Rick | April 15, 2008 6:07:48 PM | To Frustrated..
You should get read the paper and get your facts straight. The Avalanche that
was stolen had a FACTORY Immobilizer, which is the exact thing MPI is trying to
avoid. The factory immobilizers are not good at deterring thefts which is why
MPI is making those people get after market ones.
The aftermarket immobilizers are NOT approved by the vehicle manufacturer and may VOID YOUR VEHICLE WARRANTY. Most immobilizers are "Butchered and Hacked" into the vehicle's wiring using "Quick Connectors" which are cheap and quick to install but are NOT weather proof, CUT into the wire and create future electrical nightmares for the vehicle owner who has to PAY to fix them.
And I would love for someone to tell me how the immobilizer program is a cash
grab?!? I just had my car installed with an immobilizer and I didn't pay a
penny. It was a bit of a pain to take some time off work but that was it. Then
when I went to the broker to let them know it was done, I got $40 off my
insurance. Someone please tell me how the think of the immobilizer program as a
cash grab when you don't have to pay for it?!? MPI pays the shops directly for
installing them. It is costing them millions to do and it is to try and prevent
thefts from occuring, yet some of you are turning it into something that it
isnt, it's ridiculous. |
| | Rick | April 15, 2008 4:58:54 PM | I personally have no grudge with MPI, I have had a few claims here and there
over the years and have had no issues with them. I did have an adjuster that was
quite low on a total loss settlement, but once I provided information to support
the amount I wanted, the claim was settled and I was satisfied.
From reading a lot of the posts it would seem that the 2 main groups of people
upset with MPI are those with severe injuries from accidents and those that own
motorcycles.
For the motorcycle owners, am I the only one that actually understands why the
rates are so high? I mean come on, if you get hit while on a bike, the chances
of injury are SO much higher then a vehicle. Not to mention if you can't stand
your bike up properly and it falls over, there is thousands of dollars right
there in damage! how can you NOT understand why you have to pay so much? There
is a reason the PUB never rejects the rates for motorcycles, because there is
proof that the rates are justified.
As for the severely injured, while I completely sympathize with your situations,
I also don't think it is fair to bash MPI when you have NO idea what type of
treatment and/or care you would have received from a different insurer. And I
know people complain about the fact that they can't sue, but pre-1994 you were
able to sue and it did not do many people much good. With liable people
lawyering up, cases were taking years to go through the courts, and what could
those people do in the mean time? NOTHING. And even if you won in court, what if
that person did not have insurance? or somehow breached their insurance ? Who
would pay you then? Nobody would. I have no doubt that PIPP has some flaws, I
personally have never had to file an injury claim, but with that said, how do
you people know that there are no flaws with any other insurance company??
I moved to British Columbia 5 months ago from Manitoba and went to a local insurance agent to purchase vehicle insurance. They were having trouble getting the car's VIN to be accepted into the ICBC computer system. The vehicle is a 1977 Chev Impala that I've owned for over 20 years and was able to successfully register every year in Manitoba. To make a long story short, the ICBC computer was listing the car as a class "A" motor home because those Incompetent Morons at MPIC were missing a digit in the VIN.
Funny how MPIC's computer system never caught Their Own Error for over 20 years.
My wife and I purchased a used car in BC, drove it for a few weeks and got a stone chip in the windshield which cracked a short time later. I called ICBC and spoke with a pleasant, cheerful lady who gave me a list of approved auto glass companies located in my city. The auto glass company dealt with ICBC on my behalf. They made the claim and did the work for $100.00 LESS THAN my $300.00 deductible. ICBC sent me a letter 3 days later to verify that the glass company actually did replace the windshield.
Now THAT'S customer service :)
I always wanted to get Amateur Radio (HAM) license plates in Manitoba, but the recurring yearly cost was ridiculous. In BC, my only cost was a one time $18.00 fee for ICBC to make the custom plates, so I ordered them. They were ready in half the time they told me it would take and they sent me a cheque for the $18.00 I originally paid saying "... it was not needed to process this request".
ICBC may have flaws like MPIC, but if I was ever seriously injured in a car accident, I'd take my chances with ICBC over MPIC ANY DAY. |
| | mike | April 15, 2008 4:35:42 PM | Moved back to Manitoba to go to school after living out of province for the
last 20 years in two different provinces, both of which charge much less for
similar or better vehicle coverage, especially when it comes to motorcycles!
When my schooling is done, I'm outta' here.
Want to keep people in the province? Stop screwing them with overpriced
monopolies.
I have to admit that I too have had conversations with Manitobans who think
that MPIC is the greatest thing since sliced bread but those same people have
never lived out of province and are making claims on what experience? You
think you're getting a deal, do the math and some research.
Message to motorcycle riders/owners, sell your bike the message is obvious MPIC
wants all motorbikes off the road.
My advice, if you are a bad drive move to Manitoba you get much lower rates
because the good drivers are subsidizing you. |
| | brad | April 15, 2008 10:36:25 AM | I just got caught up with recent postings and there is much to be said. Here
are some interesting facts.
1. Consumers are of the opinion that MPI cannot be sued over their claim being
denied. This is not true. MPI have a profund duty to settle your claim in "good
faith." They have a duty to assist injured victims return to health. When the
exact opposite happens then they can be held liable for acting in "bad faith"
and can be held accountable in a court of law for damages which may very well
exceed the amount of unpaid benefits.
2. The services of AICAC (Automobile Injury Compensation Appeal Board) are paid
for by MPI who fund a special government account. This is to give consumers the
impression they are not one of the same.
3. The same goes for the Claimant Advisor's Office. Right now the Claimant
Advisors Office is approximately one year behind, so they may be not ready to
move forward with your appeal until 2009. They may mean well but service is
questionable. Also, they are really not very good in advancing the tough
arguments against AICAC.
4. You do not need a lawyer to represent you in your Internal Review and/or
Appeal. You have the right to have anyone you wish to act as your
representative. This authority is granted under the MPI Act and Regulations.
5. There is a new firm - Injustice Resolution Xperts, that has been advertising
in the Sun. They are apparently a group of ex-insurance types who want to help
claimants fight for the benefits they are entitled to receive. I am certain
MPI, WCB and other insurers will not appreciate their efforts.
6. MPI are systematically eliminating law firms from being accessible to
consumers who seek legal support for their claim. MPI farms out a few claims to
the "better & best" law firms so when contacted by a claimant the law firm is
unable to act for the claimant due to a "conflict of interest." MPI certainly
isn't stupid!
7. Statistics will validate that in virtually every region, country, province,
state where "no fault" has been implemented, there are more accidents... more
deaths... more traffic violations... more claims... than prior to its
implementation. I can provide referral to studies which confirm these facts.
Manitoba is no exception.
I welcome your thoughts and opinions to these interesting tid bits. |
| | quadmom | April 14, 2008 11:53:34 AM | | hello all! i too am all for a class action lawsuit. in 2001 i was in a mva
and broke my neck and am now a quadriplegic. i live in constant pain because
mpi will not cover pain meds prescribed by my doctor. their doctor, who i've
never met or spoken to, says i don't need it!! they also haven't paid me the
right income replacement since the accident almost 7 yrs ago. i have had to
hire a lawyer to deal with all the appeals and they just drag their heels so it
costs me more money and hopefully i'll go away. my daugter was also in the
accident with me and saw everything and is deeply affected by it and she needs
councilling but mpi refuses to help her. yet another appeal and more money!!!!
as a single mom to 2 young children, i want to make more money for their
future. last year i made $6000 but i now have to give mpi 75% of it!!! how
does this make sense? i want to contribute to society but they give no
incentive to do so. things need to change NOW!!!!!!!!!! |
| | Bunny | April 13, 2008 9:17:09 PM | I dislike Autopac intensely, but more, I dislike being forced to accept
substandard coverage, and having the Insurance Company also responsible for my
Driver's License. I believe that this is a conflict of interest, and the
government should get the heck out of automobile insurance. I, fortunately,
have been able to purchase extended coverage, over and above my Autopac, and
so, just pay the basic 500 deductible with the Manitoba Government, and 100
deductible with my private company.
At least if my Ram gets stolen (broken into), I don't pay a deductible to get
it fixed, as my insurer considers vandalism as waived deductible.
Works for me.
Down with Autopac, oh, heck......down with the monopoly and the NDP government! |
| | frustrated | April 13, 2008 8:26:20 AM | Big Bill, you a very much right.
The Chevy avalanche that was stolen a couple of weeks ago had the immobilizer
in it. Here's the kicker, this is the second time it was stolen with their
precious safety device in it.
Now from my understanding, there is talk of the Chevy Silverado being added to
the list of vehicles needing it. Just looking around at the number of people
that own that truck, I too think "cash grab" for MPI.
As for higher insurance if you don't have it installed, I didn't think that
was an option. A family member of mine happens to own a car on the immobilzer
list, he was told to have it installed or they WOULD NOT insure him.
Yes my blood boils also |
| | Big Bill | April 12, 2008 10:01:13 AM | I would be up for a class action suit, definitely!
Where do we begin, find a trustworthy lawyer, a petition, a meeting..........?
Please bear with me, I've just been catching up on the more recent posts, and after reading them lets
just say my blood pressure has risen, and I would like to rant a little and add a couple of facts and nit
picky little things to the growing list.
To the folks who may be a bit skeptical of some of the stories in this forum, ponder this.
If MPIC is not the evil and abusive insurance monopoly, which some of us truly believe from personal
experience, why can you not buy lay up/storage/fire/theft/damage/act of God, whatever......, insurance
for a camper trailer in Manitoba, or anything else with wheels on it, that may be used seasonally or on
special occasions, under your home insurance policy, or from any insurance company in Manitoba,
other than MPIC?
Sounds kind of monopolistic to me!
I try to avoid the immobilizer issue, in my opinion it's another easy cash grab from the uninformed and
vulnerable.
Here's something that much of the public may, or may not be aware of, but should.
From what I've heard, If you were to take a look at the vehicles most stolen, you would find that many
of them have one thing in common, unless things have changed recently, they have steering columns
manufactured by General Motors, and the columns appear in other makes as well, like Chrysler
products.
They are very common and easy to steal, and you are wrongly being penalized for owning one of these
vehicles!
Instead of our government telling the auto makers to change the design of the product, which should
be their job, they get you to buy a protective device for your vehicle, and want to charge you a higher
rate if you don't!
I may be wrong on this, and I hope someone will correct me if I am, but to me that sounds
monopolistic as well. |
| | Screwed | April 10, 2008 5:10:35 PM | You know, I have to say this. I'd stand in the middle of Portage and Main,
with a megaphone, during rush hour traffic on Friday afternoon, if I thought it
would do any good.
What I have to say, is THE APATHY OF MOST MANITOBAN'S IS OUR DOWNFALL, AND THE
RESPONSIBILITY THEREIN LIES DORMANT. The only outcome of this continuing saga,
is higher taxes, higher fees, less services, and less coverage. This is due to
the government being the makers of the system, that everyone swallows
willingly. Then, the system itself is designed to take as much as possible
while denying absolutely everything possible. On the off chance that it is
found legitimate and deserving of a service, absolutely the least amount of
service, for the shortest duration, given by the lowest bidder shall
be "granted". Oh, and aren't we doing you such a favor?
Have a nice day, please pay again. You know you will.
And to all the 'slurpers' like Mark, for example, whom think that MPIC is the
greatest thing, look just a little tiny bit deeper at the rates which we have
in Manitoba, for some of the popular vehicles out there. Coordinate that with
the coverage that we get. In surrounding provinces, and some states, these
same vehicles are covered with better insurance, more coverage, for 25% to 50%
of what we pay. Record proven good drivers can do even better. This is just
an example. Please, don't believe me. By all means, check for yourself. I
dare you. I implore you, even.
But then, the apathy kicks in. Tell me I'm wrong.
As for MPIC's dirty little tricks, I too have been denied a response, on not
just one, but some of my appeals. All my specialists and other medical
personell reccommend and advocate certain things, but MPIC said no. I then
appealed that decision. Almost 2 years later, and still no 'decision'. I know
what their decision is. If we pretend that person is not there, maybe that
person will just die, and we don't have to pay anything. Think of the money
we'll save.
Remember Manitoban's, EACH AND EVERY ONE OF YOU HAVE THIS SAME COVERAGE, OR
TOTAL SHAM THEREOF. WHETHER YOU ARE A DRIVER OR A PASSENGER, YOU ARE ALL
COVERED THE SAME. Or not.
May God Protect Us All! |
| | Mark | April 10, 2008 4:06:32 PM | | I dont have all the details on how well the No Fault system is or isn't
working. I'm reading more and more. I would hope if there are defficiencies
with the system that they are soon to be addressed. I did have a lot of
concerns with the old tort system, it was ripe with fraud, and more a form
social assistance for the unemployed (or wanting to be unemployed), and a cash
cow for the lawyers. I'm pretty sure our rates would nearly double to go back
to where we were. Maybe no-fault is not the perfect system, but I can tell you
I'm not impressed with spending $1000 for a car thats worth $3000, I'd be
spitting bullets if my rates were $2000. I hear the horror stories about rates
from everywhere else but Manitoba. |
| | whatever | April 9, 2008 8:07:15 PM | | Michelle, providing that your claim is legitimate and if MPIC has unfairly
dismissed that claim, you can have a review and appeal of MPIC's decisions.
While the MPIC internal review may be a sham, the appeal to AICAC, with the
assistance of the claimant adviser office, is much more just.
My claim was denied because of pre-existing mental health problems. I then
provided MPIC with a brand new, recent medical report from a specialist (who had
actually seen me, unlike MPIC's small cadre of medical personnel whose role it
seems to be to routinely turn down medical claims) which said that the MVA was
the cause of the injury. MPIC had assured me that the medical report would be
looked at.
Today, after waiting 4 months for a response to that medical report, MPIC in a
letter told me that I would be receiving no response whatsoever, yeah or nay, to
that medical report. MPIC also informed me that it also would not be responding
to me on any other matter either. No response, therefore no decision, therefore
no right to an internal review and therefore no right to an external review.
What's going on here for a number of claimants qualifies as evilness
Be wary of, but not intimidated by MPIC's doctors. Keep in mind that most
of MPIC's doctors seem to come from one clinic, Legacy Sports Medicine on
Meadowood (??) and most of Legacy's doctors are doing stuff for MPIC. One might
assume that Legacy makes a fair bit of money from MPIC and that Legacy gives
MPIC what it wants. |
| | Michelle | April 9, 2008 1:33:09 PM | I have been victimized by MPIC from many times over the years.
1. Back in 1981 I was involved in a collision which left me with a broken foot
and was unable to work. Being young, naive and totally unaware of my rights, I
signed off on the injury claim for $300 dollars. This does not even begin to
compensate me for the lost income let alone the enduring pain that still creeps
up on me from time to time.
2. May 2006 I was involved in an MVA in the rural Municipality of East St.
Paul. This collision has completely destroyed any sembelence of life I once
had. My car was a complete write off, I am fortunate that I was not taller or
the head injuries I receive would have been more severe. To add insult to
injury the competent East St. Paul Police decided in November of 2006 to charge
me with impaired driving and careless driving because I happened to have my
anxiety medication on my person. I would love to say more about this but due
to lack of space I will leave it at that for now. I was off work from the time
of the collision until I believe August when I did there return to work
program, despite the pain and anquish I really tried to get back to work. My
return to work was short lived and I have been trying since Dec. 2007 to have
my benefits reinstated.
3. Febuary 2007 I was involved in a minor rear ender collision which
exascerbated the ongoing pain from the previous collision. I neglected to file
an injury report assuming that they were actively working on my current file.
4. June 2007 I was involved in another collision and filed a new claim and
have not worked at all since then due to ongoing pain, increased depression and
anxiety etc. They are rejecting all of my claims due to preexisting mental
health issues because I have a history of depression.
Thanks to the kind competent staff at MPIC I am now in a complete state of
poverty and will be forced to seek social assistance which will not even come
close to paying my rent.
I am at the breaking point, and I just do not know where to turn for help. I
tried to assess legal aid, no help there since I'm not facing jail time. The
only help I have received is from the Canadian Mental Health Association. If I
don't receive help soon I just do not know what I am going to do. |
| | Lynn | April 9, 2008 8:19:41 AM | | I am surprised a lot more of these reports do not show up on the
ripoffreport.com site.
Any reputable business will attempt to explain their side of the situation on
that site. Perhaps many people do not know about it..
There is only one MPI example on that site and that has to do with immobilizers. |
| | Candace | April 8, 2008 2:08:07 PM | | A class action law-suit is long past due!!!! I would be included and able to
provide numerous facts and staggering accounts of the mistreatment and abuse
they have forced me to endure. A brief summary of my case was posted earlier on
this website and was current info at the time; since then there has been much
more $%!#* too disturbing for me to write about now......I have already advised
my lawyer that I would happily sue the province for allowing and encouraging
this embarrassing and disgusting section of our government and business sector
to operate as such. I would truly support anyone who has the balls and the sauvy
to arrange such an endevour...
I would suggest an out-of province law firm; sign me up.... |
| | LRE | April 6, 2008 10:39:54 PM | | Has anyone else felt extorted by MPI with regards to privacy issues? The PHIA protects my privacy of health
information against all other provincial acts and yet, MPI seems to think they can lie profusely about their
act holding greater power than my given rights. Just wondering if anyone else has successfully dealt with
MPI with respect to receiving entitlement while maintaining as much privacy as wanted? As it stands,
they've placed themselves above the laws and have obstructed me, a member of the public, from my
entitlement. All this despite the fact I've given them all the pertinent medical information regarding my
accident. Their lack of professionalism and integrity is staggering. |
| | mpisfavouriteclaimant | April 5, 2008 8:31:16 AM | | Dear Screwed, I believe a class action against the Manitoba Public Insurance
Corporation is a great idea. I would like to hear from others who are
interested in this and are willing to commit to making their voices heard.
Doer et al are entirely useless and the Minister of Justice is anything but.
Manitobans are suffering and families are being destroyed. We are supposed to
be 'insured' if we have the misfortune of being in an MVA. It seems evident
that a number of us have experience to the contrary. This isn't right, fair or
just. |
| | Screwed, | March 31, 2008 4:28:43 PM | I have to honestly say, that it sure seems to me that there are certain
individuals whom could not see the forest for the trees in the way. This is
such a wonderful world, and we all have such wonderful lives, that simply
nothing could be better, and aren't we so fortunate to be living as such!
Now, seeing as my own employer is not MPIC, I do not have quite the same
outlook. Actually, as a so-called 'reciever' of that um-company's services, my
outlook is quite moreso on the bleak side.
I have been going through the process for some years now, and I have never met
a more disdainful, unprofessional group of supposed humans in my life. The
understanding, compassion, helpfulness, responsibility, honesty, and
professional integrity levels are almost zero. I won't deny that I've recieved
good help from a few of the individuals outside of the city, but inside,
practically none.
I really have nothing good to say about them, have a large amount of paperwork
and other evidence to show how they are bad and negative, and yet, I seem to
have no other re-course. In this world of justice and equality for all, that's
only all whom don't want or need MPIC's services or coverage. YET. As they
are only one bad driver away from being in my situation.
I truly would like to learn more about a Class-Action Lawsuit against MPIC. I
also know that I am not the only one to want to do so. |
| | mpisfavouriteclaimant | March 27, 2008 11:30:14 PM | | Dear Johnny,
My favourite bumpersticker reads, "Children Behave As Well As They Are
Treated". Children have rights too, let the Prime Minister have a go. I sense
some serious emotional issues in the posting, please note the short, incomplete
sentences, spelling errors and inability to express thoughts and feelings
clearly (is it really you Dean?). The Prime Minister, er..., Joe Clark
deserves compassion and my heart is full of it. ...that and I'm laughing my
head off. I too, would never wish harm upon the Prime Minister. Sometimes bad
things happen to good people and sometimes good things happen to the others.
We all need to drive safely and watch out for danger on our crumbling roads.
Let's be "Road Wise", heaven knows we aren't adequately insured ! |
| | Johnny | March 27, 2008 10:45:06 PM | | Most comments on this site are quite informing. Although the admin should impose
an age limit. It's sad to see a school aged child like Joe Clark make fun of the
situations/comments people have written. Obviously little Joe has never been in
an accident nor has any family member of his. Normally I would never wish a MVA
upon anyone, but... I'll leave the rest of this sentence up to the imagination
of Joe. |
| | Joe Clark | March 27, 2008 8:49:46 PM | | You MPI haters are priceless. If I don't agree with your rantings, I'm
disrespectful? Get a life. It's called expressing an opinion. Last time I
looked we can express an opinion in the country. No law against that. Truth is
you're being disrespectful by attacking my opinion. Shame on you.
As for the person in the bank, spotting an MPI keytag. Get a life. That didn't
happen. You know it didn't. Maybe in your imagination it did. Did you forget to
take your meds? Again? That was quite the little story you wrote. Angry person
in the bank, blah, blah, blah. Yeah right. The only angry person is you. Have
you always hated everyone? You going to blame you psyche problems on MPI, too?
Whatever.
And to you, friend of Dan J. You're blaiming the guys death on MPI? Come on.
How about blaming MLCC on that death, if you know what I mean. Face the facts
dude, Dan J and Dan J alone was responsible for what happened. You going to
blame MPI? What a cop out!
Funny how all you responded during the daytime. What? No job to do? Oh right,
no one will employ you. Like I said MPI is not a pefect place. But no
government agency is. |
| | mpisfavouriteclaimant | March 27, 2008 12:28:15 PM | | Ahhh, spirited discourse... Anyone care to bet that our posting 'former Prime
Minister' has the MPI logo on his paystub. It is the ultimate job for those
without the capacity for independent thought. All Herd Animals Please Apply.
Funny thing happened while waiting in line at the bank a few days ago. A woman
behind me was losing control because the line wasn't going fast enough and
she "had things to do" (which she shared but is too boring to post) she was
flustered, annoying and somehow thought that the line should move faster just
for her. She was behaving like a child. I glanced at her only to notice that
along with her wallet she was holding a key lanyard that was emblazoned with
MPI logos. I suddenly felt sorry for her. Good chance she worked there and is
bullied by her superiors. Hence her fragile coping abilities at a bank on a
Thursday afternoon. Case managers bully claimants most likely because they are
bullied in their work environment. Not excusing...just saying. |
| | Whatever | March 27, 2008 11:28:56 AM | | Joe Clark,
I should have noted in my last comments that after Dan J's death, a couple
of us took our concerns to Stuart Murray. Mr. Murray did nothing. |
| | Whatever | March 27, 2008 11:25:10 AM | | Dear Joe Clark,
Presumably you'll read this reponse to your comments.
On May 29, 2003 a friend of mine lost his life. Read his obituary in the
following Saturday's Winnipeg Free Press. Dan J wasn't in it just for or mostly
for the money. He was intelligent and had a sense of justice. He was
misinformed or misled by MPIC personnel as to what his rights were as a
claimant. By the time that he realized what had happened, MPIC was in it too
deep and MPIC then fought Dan every single step of the way.
If you would know how Dan was treated, with even a cursory glance of Dan's
documentation, your sense of intelligence and justice would be offended, there
would be a very sick feeling in the pit of your stomach and you would see
things differently. I'm not angry at you, Joe Clark, because I'm confident that
you're a decent enough, intelligent enough and reasonable enough person that
when presented with the truth, you too would see it. |
| | brad | March 26, 2008 10:49:44 PM | Dear Joe;
When you finally grow up you will find there is a real world out there.
Innocent people do become victims through no doing of their own. A certain
fellow I know never asked to be t-boned at 90 kmh... and having his body broken
as a result of the collision... only to have MPI suggest his medical problems
stemmed from a back ache he had 15 years earlier. I gather in your world this
fellow should just suck it up... after all what's the big deal over losing
one's business because you are physically disabled... or not being able to play
with your children... and losing all of your life's savings is no big deal.
Yes there are fakers but MPI takes great comfort in playing high-handed with
the many real victims in order to punish the few fakers. Your opinion is highly
disrespectful to those true victims who have and continue to suffer at the
hands of MPI.
Yes there are accident victims who experience a proper and just settlement.
Regrettably some are not even aware they have been duped. Perhaps you are one
such person. As they say... "ignorance is bliss!" |
| | Joe Clark | March 26, 2008 10:14:06 PM | Man you guys need to get a life. Talk about a bunch of whiners and losers. MPI
ruined my life. MPI didn't give me enough money. Wha. Wha. Wha. Get a life you
bunch of babies. Im betting most of you losers had major psych problems before
you got hurt in that car accident, which you most likely caused.
If you don't like MPI than move! No one is keeping you here. Our province would
be better off without you. Hit the road losers!
I had a claim with MPI and I didn't have a problem. Go figure. Look for
problems and you'll find them.
Yell at your case manager, you want good service? Figure it out losers. MPI
isn't perfect, but neither is WCB or Hydro.
As for the comment about protesting at the Leg. Why don't you spend your time
looking for a job and quit faking the injury. Free money? There ain't no such
thing.
Joe, for your information, it doesn't matter whether you are at fault or not-you are still covered by the Personal Injury Protection Plan, such as it is. If you have indeed had a claim with MPI and were satisfied, then I can only conclude that your claim must have been simply an auto damage or writeoff claim. Had it involved a serious injury to you, then I'm sure your post to this site would have been something quite different. I hope you and your loved ones remain accident free, because I wouldn't wish MPI on anyone. |
| | mpisfavouriteclaimant | March 24, 2008 12:10:39 PM | Dear Brad,
My experience is that the more over-the-top your problems are the LESS likely
it is that you will receive any assistance from any of the various powers that
be. Claimants that are "hot potatoes" get tossed around as such. The only
people willing to stand up to MPI and their pathetic unilateral militant regime
are a small handful of lawyers dedicated to justice and accountability for the
average claimant. This doesn't come without cost. I happen to have first hand
knowledge of someone who has incurred in excess of $100,000. to keep the
benefits (albeit pathetic) to which they are entitled. Like you mentioned,
life savings are cashed out, retirement plans derailed and suffering is endless
and knows no boundaries. Extended family and friends are vicarioulsy
victimized and often bear financial costs that SHOULD be covered by insurance.
Manitobans need to wake up and get vocal about MPI and the dysfunctional
administration of our monopoly no-fault insurance. Personally I'd be quite
willing and happy to pay double for insurance that actually had some 'value'.
MPI tells the masses that Manitobans have the best rates...BS. There was
something in the Winnipeg Free Press quite some time ago from the Frontier
Centre for Public Policy that highlighted how this was in fact inaccurate
(surely an accidental misrepresentation by MPI...) Rates elsewhere are
sometimes lower than in MB and golly gosh...you actually get what you pay for
and have the right to sue if you don't !
Anyone interested in joining me at the Legislature to voice our collective
displeasure? Time and date are entirely flexible but for the sake of getting
the ball rolling how about April 2 at 12:00 noon ? |
| | brad | March 24, 2008 11:12:27 AM | Dear "Concerned Manitoban"
I was particularly interested in your story from a number of perspectives.
There just so many things that the public ought to know and understand, one of
which is that are elected government officials are simply puppets of their
political party and will only do what they believe will further their party's
cause. Yes, there is the odd person's complaint which is so over-the-top that
it receives proper attention, after much letter writing and political
posturing. So writing to a key contact, as noted in this site, may very well
prove to be an exercise in futility, however it is like trying to win the
lottery, you may be the lucky one who gets the grease.
"Concerned" I would love to speak with you directly if you feel comfortable in
doing so. Contact no. is 219-9550... |
| | brad | March 24, 2008 11:01:45 AM | | I have read through most of the blogs on this site and it certainly appears
that no one really understands just how bad this "no fault" program is, until
they are forced to rely upon it after having been in an accident. There are far
too many who believe the MPI rhetoric that they have a 94% consumer
satisfaction rating. (of course this is their own survery done internally) MPI
has ruined many lives of innocent people who have been victims of injuries and
resulting disabilities. Many have lost their homes... children can no longer
afford to go to university... life savings have been cashed out... and
retirement plans have fallen apart... and generally speaking the overall
quality of life is destroyed. Certainly, we can do much more to fight this when
we are willing to band together... however don't give up hope with your
individual claim. You may have good grounds to advance a "bad faith" claim,
which can be heard by Manitoba Courts. The more claims of this nature that are
advanced... the more the public will be able to see just how bad it can be for
them, if they are the next automobile accident victim! |
| | Concerned Manitoban | March 22, 2008 11:35:44 AM | 1) the Minister's assistant for MPIC, has in the past, received his or her
salary from MPIC. Government records show that the minister's assistant has
also at the very same time, been special assistant to the President of MPIC and
special assistant to the Board of Directors of MPIC. Anyone's claim that the
Minister's office operates at arm's length from MPIC is an intellectual insult
and the kind of insult that is visited upon those in positions of less power
and voice. My MLA, Jennifer Howard, told me she could do nothing to help me.
She also was quite comfortable with the cozy salary arrangement that the
government has (or had) with MPIC.
2) MPIC medical consultant, Dr. Michael MacKay (I can never quite remember the
correct spelling of his last name), has in the past, apparently according to
MPIC's own internal documentation, conducted and "summarily" dismissed medical
claims as an unqualified physician. A number of years ago, as an opposition NDP
MLA, Daryl Reid was critical of MPIC's possible practice of using unqualified
medical professionals to make medcial assessemnets. At a Standing Committee at
the Legislature, MPIC President Jack Zacharias assured Mr. Reid that this was a
serious and unacceptable practice. Mr. Reid is now in government and is also
the governmnet rep on MPIC's Board of Directors. What are the cances that Mr.
Reid will do anything to address the problem iof there has been such a problem.
I relatively recently brought this to the attention of Dr. Jon Gerrard,
leader of the provincial Liberal Party. Dr. Gerrard understood the situation
quite well, but I believe that he and his staff finally conclued that MPIC is
so powerful and beyond accountablity that it was pointless to challenge MPIC.
Dr. Gerrard's decision didn't so much anger me as dishearten me.
3) I was incarcerated for three months because of a cover-up at MPIC.
4) Back last June, Mr. Chomiak, stunned me and personally phoned me at home. I
think that Mr. Chomiak has some or a lot of decency, but after years of a kind
of hands-off, laisse faire policy in regards to MPIC by both the Conservatives
and the NDP, letting MPIC have what it wants, the MPIC monster has gotten too
hard to collar. But on the other hand, all it would take would be just one MLA
with integrity and courage and in my years of fighting MPIC, I've concluded
that there is no such politician at the Legislature. |
| | Shea | March 18, 2008 5:29:52 PM | Hi,
My father was in a mva last year that left her with a broken leg and lots of
other minor fractures. My dad has been driving for 40 years and has never had
an accident or a claim. At first i thought things with mpic was going to be ok,
they promised my dad a wheelchair, 1 month later he got it. Needless to say my
mother who is 100 lbs and 64 yrs old was overjoyed to see this 2 wheeled
savour. Dad now has a permenant limp and will never be able to do alot of
walking or climbing up and down stairs, mpic is now wanting to make a
settlement and i have no clue as what to expect. If there is a site that has
some information on other injury claim settlements that i can compare to,
please let me know. If anyone knows what i should expect for my father or what
he should do id appreciate the advice. Thankyou so much....exhausted
Shea, from what you've said, it sounds like MPI wants to settle what they refer to as a permanent injury with respect to your father. In practical terms, that means they will go to a Table of Injuries (or whatever it is called), which cross-refers permanent injuries vs. payouts. That also means that if your father's permanent injury is the same as one already SPECIFICALLY defined, then he will get the amount specified in the table, period. Now, if your father's injury is similar to, but more extensive than those pre-defined injuries, then he should be entitled to more than the specified amount. It would be very useful for you to request a copy of this Table of Injuries from your father's MPIC case manager. Read it in conjunction with the appropriate sections of the MPIC Act. In a case like yours, you may want some legal advice. Any bloggers suggest a good lawyer?
The real trick here for you is to counter MPI's predisposition to MINIMIZE your father's injury (thereby limiting their liability and payout). You do this by having your own documented expert assessment of your father's injury (family doctor perhaps) to counter the MPIC (self-serving) assessment. I've included a link to the Auto Injury Compensation Appeal Commission cases on Finance Manitoba's website, which might be of some use to you. Click on the link then select AICAC on the left. You'll find many cases heard by AICAC and some might be similar to your father's case. There are a lot of them.
I wish you and your father well.
http://www.gov.mb.ca/finance/cca/index.html |
| | Big Bill | March 16, 2008 12:44:26 AM | | Re: It's interesting isn't it, Bill?.....................
It goes beyond interesting, beyond frustrating, and becomes amusing and baffling after awhile!
Like you said, Chomiak couldn't do enough when his party was the opposition, maybe another party
would go out of their way to help.
The PC's and the NDP seem to be content with MPIC the way it is, maybe we should be sending emails to
the Liberals and the Green Party, or perhaps the Feds in Ottawa. |
| | Big Bill | March 15, 2008 8:17:48 AM | Thanks for the info Jane, much appreciated.
Sorry to hear of your misfortune, but good to hear that your husband is finally improving.
A good doctor who is more concerned about his patients well being than his annual income is
refreshing.
My ex GP has a sign in his lobby that basically says, "One injury per appointment."
If you had 4 or 5 different ailments, you would have to make that many appointments.
Rarely have I spent more than ten minutes with him, and I wonder if he's just that efficient, or if he's
shooting for a $1000.00 an hour worth of patients.
An Update:
I've had several appointments with a specialist about my neck and nerve issues.
So far an MRI scan on my neck, and nerve conduction in my arms/hands, negative.
Also received a letter from Mr Chomiak's office, Chris Pawley, Executive assistant.
The letter basically states what was expected, "The minister's role is one of accountability to the
legislature for the general policy administration of the corporation as set out in the MPIC act, yadda
yadda....., and it is not his role to become involved in individual claims.
Short answer, "Sorry but we wash our hands of you."
It goes on to say, if I have concerns that I was not dealt with fairly, or properly represented legally, that
I should contact the Ombudsman and the Law Society Of Manitoba.
I've already talked to the Ombudsman's Office, and it's common knowledge that a poor man trying to
get lawyers to sue lawyers is more a fantasy than a reality, unless you have serious money up front, and
the money I do have won't be wasted on a lawyer.
I'm on the Merry Go Round again!
It's interesting isn't it, Bill? When the NDP (and Chomiak) were in opposition, there wasn't enough they could do for you. Hansard was full of NDPers complaining about Autopac and berating Filmon's government for not helping injured Manitobans. Then, suddenly, when they're in power, seems there's nothing they can do. Then they're there, just to oversee, to monitor, to ponder but not to actually do anything except perhaps play lip service while victims of MPIC lose their homes, struggle with their finances, etc. |
| | Jane | March 10, 2008 3:26:08 PM | Dear Bill,
I would suggest that you see Dr Watson , who is a doctor of physical medical.
His number 654-9556 and works out of 2110 Main street My husband and I were
rear end 25 years ago. Due to this accident he became completely disabled and
the only option that the Doctors in this province gave him was palative care.
Now that Dr Watson is on the case, he has improved greatly and does not spend
all his time in bed. We feel with contiuned treatment he will recover
completely. Take a look at Prolotherapy on the web. This is the only treatment
for ligament damage. 99% of the doctors don't know about this treatment. We
have spend over $100,000 having my husband treated out of province, until Dr
Watson learnt these treatments.
Get your health back and then fight for change. |
| | Jane | March 10, 2008 3:17:44 PM | | I would really like to hear from the women who spent over $200,000 on her leg
after MPIC told her that her only option was amputation.
It was due to the kindness of a U.S. Doctor that helped her medically and
helped her financial and saved her leg. This was in the Free Press about a
year ago.
The solutions by MPIC are completely in their favor. They write the rules and
in force them. If you are in an accident and are hurt, be very afraid. They
will tell you when you are better
and intimidate you and your doctor. This is dictatorship pretending to be
democracy.
We all deserve better and the NDP are only capable of doing things for their
friends. |
| | frustrated | March 10, 2008 1:01:34 PM | With all the problems regarding MPI, is there anything that can be done?
Can things be changed? If so, where does one even start?
Because the MPIC Act is the governing authority for MPIC, the road to repair of this self-serving travesty of justice must ultimately end with the government in power. As long as only a relatively few Manitobans are vocal about changing MPIC, it is unlikely anything will change.
Most Manitobans don’t care because they don’t understand the grave danger they are ALL in with respect to the MPIC Act, and I do mean ALL Manitobans-whether they be drivers or pedestrians, or are young or old. This website was expressly created to help Manitobans get this understanding. Hopefully, sufficient Manitobans will become motivated enough to tell the Premier, tell the Minister of Justice and tell their MLAs how unhappy they are. They may do this by letter, by E-Mail or even in person. They can do this by rallying at the Legislative Buildings. The government does not give a damn about one or two or five or even ten injured Manitobans or unhappy voters but increase these numbers to 50, 500 or more and suddenly they will take notice. Imagine if Doer and Chomiak received even 1000 angry E-Mails about the MPIC Act. Do you think they could ignore that?
Frustrated, people like you need to do this, and you need to convince your friends and relatives to do the same. That’s how things will change. This sounds like an impossible job, but remember what happened when the Doer Government tried to hijack the huge MPIC surplus from Manitobans a number of years back? In just a few weeks, enough angry Manitobans made it clear to the NDP Government that they would not tolerate this intended theft and the government was quickly forced to rebate surpluses to MPIC insurees.
Ironically, what the MPIC Act has allowed MPIC to do to injured Manitobans all these years is far worse than stealing some excess premiums. |
| | Big Bill | March 6, 2008 10:19:11 AM | Gee, I don't feel so alone anymore after reading some of these stories!
In August of 1989, while stopped at a crosswalk, a bread delivery truck drove into the back of my
vehicle at approximately 60 km/h, and I sustained numerous injuries to my neck, right shoulder, right
hip, appendix, left knee, middle and lower back, as well as my left hand, and nerve damage to both
arms.
At the time of the accident I was looking for work and on the tail end of WCB benefits, which were cut
off because I was unable to fulfill my obligation to them, and MPIC claimed they didn't have to pay me
anything, because at the time of the accident I had no taxable income.
This turned into a ten year battle, three useless lawyers, numerous incompetent doctors, and no
answers.
I wound up being forced to work and cause myself even more physical damage, I wound up selling
everything I owned that had any value, and lived on an average of $9,000.00 a year for ten years, and
fell into a deep state of depression.
While at an all time physical, psychological and financial low, only days after my mothers death, my
scum sucking lawyer calls and says that MPIC made an offer, and if I didn't accept it, they would make
the case go on for another ten years!
The sum was laughable, but at that point I was really messed up and accepted it out of desperation and
under extreme duress, then less than 2 weeks later my lawyer packed up and moved his practice to
Alberta, hmmmm..............???
I've developed a deep distrust for the government, the legal system, the health care system, it's cost
me friends and family ties, cherished possessions, hundreds of thousands of dollars in lost income,
pretty nearly my sanity, years of debilitating pain, and the only words I have to describe the WCB and
MPIC would be fascists or closet nazis!
To this day I suffer physically, my mental state has improved slowly, but I'm virtually unemployable.
I still live in a state of poverty because I have to, and I will be running out of money in the near future.
I've recently written a long email to David Chomiak, which his office has confirmed receiving, but has
yet to respond to.
I've talked to most of the appeal groups as well as the Ombudsman's office, and they all say the same
thing, "I'm sorry, there's nothing we can do!"
I've also recently started sessions with different doctors in an attempt to finally know why I've been in
so much pain for so many years, and chrged them with the duty of putting a suspected cause to each
injury so that there's no doubt whether it's accident or work related.
It's my opinion, based on observations and experience, that the government of Manitoba is a social
club, their motto is don't make waves, it's user unfriendly, and the general public who's interests they
are supposed to be looking out for, is the enemy!
What a terrible story, Big Bill. You apparently have had applied to you a Dirty Little Secret I didn't even know about! I checked the MPIC Act posted on MPI’s website and could find no mention of dealing with injured Manitobans on Workers Compensation. So as you say, it would seem you have been dealt with by MPI as someone with no recent history of taxable income - hence minimal or no income replacement. I imagine if this is incorrect, one of MPIs hired mouthpieces will set the record straight. John Douglas, are you paying attention?
Bill, I think you were able to illustrate in a single anecdote, how incredibly vulnerable and unprotected Manitobans can be, despite paying a high premium (and you are paying a high premium) for the "best" insurance available. Effectively, your life was ruined by an auto accident for which you bore no blame, your ability to earn a living has been compromised forever, and through the black magic that is the MPIC Act, MPI is barely involved. I think MPI managed to use every one of its Dirty Little Tricks against you. What a great gig. Run an insurance company that doesn't have to pay claims.
I wish you luck with Minister Chomiak, but I would not expect much in the way of support. After all, the MPIC Act is his baby. Let us know what he says. |
| | E | March 5, 2008 10:29:21 PM | | Oh my. Well I have only been in two accadent in my life (thank god) and the
first was very minor. dark rainy night, short fat construction worker stepped
into the road with no warning, driver in front of me hit their brake and I hit
mine. I bumped into the back of that driver. I was 100% at fault and I know I
should have allowed more room between vehicles. Luckily no one was hurt and
only my licence plate was dented. The second accident happened when I was 4
month pregnant with my first (and only) child. I was coming home from work
driving south on Kenniston. Another driver made a left turn infront of me and
I hit the brakes and tryed to steer away. My car was destroyed, her door was
damaged. MPI was good enough to admit she was at 100 % at fault (thank you to
all the sweet people who acted as witnesses for me, I love you all) I had to
go to the hospital and wait forever to find out if my baby was hurt. Lucky for
us she was fine. I missed a few weeks of work and the wages I lost in
the "waiting period" cause me some problems with paying rent and buying food
and such. Add into the mix that I did not have loss of use for my coverage and
you can see I was in a bit of a pickle. I told my adjuster that they could
take the cost of a rental from the other drivers liability insurance and
explaned nicley (no swear words) that I would be happy to call the papers and
TV stations and tell my story (nice little pregant woman gets hurt by another
person and can't get to work... I have a bad stomach and the bus makes me VERY
sick and it would have been a two hour bus ride one way) that would be a nice
image. And lo and behild I got a rental. Then they tryed to offer me half of
the value of my car! Well I went online and pulled up the Kelly blue book
value and searched the dealer websites for the same make and model with the
same features. Then I told them MY price. When my adjuster was sputtering
nonsence about not being able to do that I promptley told him I wanted his
manager. I had a nice little chat with the manager in which I explained what I
wanted and when I wanted it ....Politley mind you. I got a little better than
what I wanted and have not had any accident in the three years since. As a
side note, I got one of the cars I found on a dealer site and got one heck of
a deal on it too. (my car was a 1999 Chevy Malibu I paid $10,000 for and my
first offer was $4,500 I got over $7,000 for my car two years after I bought
it) Don't take any $%!#* from MPI but remain polite and firm and don't be
afraid to fight or mention the other drivers liability coverage. Also buy
Chevy! |
| | Dontgetmegoing | March 4, 2008 3:28:36 PM | I was involved in an accident a few years ago, where an elderly driver from
Albert made an illegal u-turn and was backing up into our lane (going the
opposite direction ).He had caused the accident , then drove away.(I thought it
illegal to
leave the scene of an accident.)Not in the eyes of MPIC. He was not at fault
because "he made the illegal u-turn safely " as quoted from an adjuster.They were
nice enough to give my the drivers name etc. to contact,so i could go after him
for my deductable.
AND DON"T GET ME GOING ON MOTORCYCLE INSURANCE PREMIUMS |
| | the pedestrian | March 3, 2008 2:50:05 PM | I was involved in a pedestrian vs vehicle accident and I am so glad to have
found this site. I was lucky to have survived my accident and have felt all of
the frustration all on this site speak of. Lawyers we have spoke with
sympathize, but there is no recourse in being able to sue the owner of the
company truck for my permanant injuries. I am appaled that this person who has
been cited prior to my accident for fainling to maintain and keep the company
vehicle safe, all equipment working is still able to insure is vehicles! MPI
has taken away our rights to sue. They then sue on our behalf to the compaines
and re-coup all monies associated with the case, including the in office costs
ie staff wages, et all. I am nickel and dimed to death, innundated with
paperwork, claims directly associated with this injury denied as they do not
deem it medically necessary, even though my physician had written a note and
perscription for them. My research shows tha Manitoba is the only province that
does not have the Torte claus( I hope I worded that right) as a option for us.
Other provinces give you the option to be "taken care of" by the insurance
company, or taking your option to sue to responsible party. I am going to do my
best to send off letterrst o the gov't addresses provided and a chane is
needed. Had I known that the refunds we were getting in the past years, I would
have given them to those that need and have the need for them. Those are the
people that have been seriously injured in a accident with a mpi covered
vehicle. I am bitter and frustrated with the whole process. Agentleman in our
community was in an accident a few years ago and too, is lucky to be alive. He
lost his wife in the MVA. I found out from him, that when you turn of pension
age, if you are recieveing benefits, you are then cut off and are responsible
for your own costs sfterwards. So, when you really need them, they cut you off!
We need to do something and make a change!
I'm sorry to hear you were injured in a MV accident and have had to endure the MPIC shuffle. The sad lesson that should be taken from this story is that it is not just drivers, but ALL Manitobans who are at risk from the self-serving MPIC Act. This is not just a bit of rhetoric written by some anti-MPIC nut, but a regular Manitoban who was not even driving at the time of the accident. |
| | brent larsen | February 20, 2008 11:23:08 AM | | I was turning left off Notre Dame onto Erin on a turn signal arrow on Jan
24,2008 when a car came through a red light on the
inside Center Boulevard lane,cars were stopped in the right two lanes,she
plowed into me without even noticing her light was red never even braked,said
she didn't know what happened I had two passengers that saw the arrow & one
even saw her looking straight ahead just before impact,I figured cut & dry she
would be 100% at fault,wheres the red light camera when you need it,I asked
police about the camera,they just laughed,I was shocked to recieve a letter
yesterday stating I was 100% at fault,I have been a over the road transport
driver for 25 years,No accidents in over 15 years,5 merits,& now I will loose
all my discounts, & a surcharge on my license,this sucks,Penalizing good
drivers & believing the bad driver's lies,If anyone witnessed this at about
1:20 pm between a green gmc truck & a 2001 silver Toyota,I would gladly offer a
reward for help in proving this was not my fault,the adjusters are only in it
to make money for mpic,they say that past driving record means nothing they
don't care,In other words mpic says 3 of us lied & shes telling the truth,What
bothers me is if I was in a small car somebody could have been killed,at 60
km/h,which may happen next time when she goes through the next red light,I will
appeal,if you can help me please call me after 6pm weekdays or anytime weekends
204 952 4695 Brent |
| | TED | February 18, 2008 6:36:41 PM | | MPIC sells wrecks that are not repaired by professional people (people that are not qualified Journey people) the mistakes can be hidden and MPIC insures them anyway.
The vehicles can be repaired and they have to go through Manitoba Government safety and body Integrity inspections which are not hard to get around.
The Sask. Government auto insurance keeps their wrecks and doles out parts to their certified repair facilities to fix the repairable vehicles professionally.
A lot of vehicles that have been write-offs can end up in other provinces then end up back here.The people that fix these vehicles usually do not claim any income tax through Revenue Canada.and MPIC does not report anything to Revenue Canada. |
| | mpisfavouriteclaimant | February 18, 2008 3:11:05 AM | | comment for "Frustrated" - My experience with the Automobile Injury
Compensation Appeal Commission has been good. They are fair and unbiased in my
personal experience. I would recommend obtaining the service of either the
Claimant Adviser Office or knowledgable legal counsel to attend a hearing at
AICAC. It is supposed to be a user-friendly "no lawyers needed" hearing but
MPI will show up loaded with all the reasons their decision should be upheld.
Don't be naive, get representation.
comment for "Mercedes" - Class Action lawsuits are definitely possible in
Manitoba. I do suspect that some MPI employees are somewhat illiterate.
Statistically this is very likely. I've had all sorts of spelling errors,
mathematical errors, punctuation errors...the list goes on. I've even
had 'official' correspondence from their legal department where the person
(Dean Scaletta) writing the letter underlines the words he wants to emphasize.
Perhaps he assumes that I fell off the back of a turnip truck and wouldn't
possibly understand the word no unless it was underlined? MPI are just a bunch
of bullies, plain and simple.
If anyone is interested in just where our premium dollars are going (since it
isn't fairly distributed to claims or personal injury) have a look at the MPI
Annual Report. It lists all the engorged salaries of our hard working monopoly
insurance elite. Does anyone remember the story in the Winnipeg Sun (Oct
2006?) mentioning Marilyn McLaren's $4,500.+ shower that was installed in her
office? Autopac porkers - Winnipeg Sun Sorry Marilyn you can't wash away bad kharma! |
| | Frustrated | February 15, 2008 12:25:15 PM | MPI is a joke. I have terrible stories that are still on going, but I don't
think 4000 characters will be enough.
Has anyone had any luck with the Automobile Injury Compensation Appeal
Commission?
Posts that exceed 4000 characters can be sent to the Web master to enter into our system. The 4000 character limit applies to the public blog interface only. |
| | Mercedes | February 14, 2008 11:53:50 PM | | I had some interesting experience. MPIC adjusters can not even puctuate the
statement properly. Do MPIC recruit illiterate people?
What do you think? |
| | Gary | February 14, 2008 8:25:27 PM | | MPI is NOT environmentally friendly. I can insure 4 SUVs for the price of
insurance on my motorcycle. |
| | tasha from winnipeg | February 14, 2008 1:19:00 PM | In November of 2007 I got into an accident with a deer outside on winnipeg.I
just bought a 2003 nissan murano 6 months ago before that. I have been
fighting with autopac for 3 months now about the value of the murano. They are
wanting to give me $10,000.00 less then I think it worth. I have done my
research and that is not good enough for them. They are doing this because
they know I don't live the city and its hard for me to get to school and work
in the city. I don't know what to do because I need a car.
Tasha, I know it’s particularly difficult to deal with adjustors when you live outside the city. Generally spe |
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