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| 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 speaking, what you must do is to find independent and credible sources by which you can determine your vehicle’s worth. The Black Book, the Blue Book and VMR Canada can be these sources. The first two you should be able to find through bank loan managers or CAA Manitoba, and the latter, on line at www.vmrcanada.com.
You can get a pretty good idea what your vehicle is worth from these resources (average of all three perhaps?). Then present this figure to your adjustor, explaining how you arrived at this figure. If you still can’t agree on a figure, then MPIC has what’s called an “Independent Appraisal Process”. See the MPIC website under “claims” for an explanation of how this process works. You might need to hire your own appraiser if MPIC won’t compromise. If there is a $10,000 difference separating your price and their price, well I’d think that there would be sufficient justification to hire your own appraiser. I don’t have access to a Winnipeg phonebook, but I would imagine there are lots of appraisers available if you check there. Your own appraisor may even tell you your price is too high, and that is OK too if it is true.
This is precisely what MPIC should be doing for their clients instead of lowballing them. Good luck Tasha. |
| | Mercedes | February 14, 2008 12:35:22 AM | Some one ran through red light and hit me in the Rear of the Van. Autopac wants
me to pay for the Ambulance ride.
In another accident Autopac wants to write off a vehicle that was hit by a
driver running red. The price they pay is not the fair value of the Vehicle.
What arbitration power the common people have. Please post yout thoughts.
I think MPIC is a buch of Crooks trying to take advantage of innocent people
Do you think MPIC taking advantage of Imiigrant and people that have limited
understanding of the system?
Why the customers has so little rights? Can some class action lawsuites be
targated against MPIC?
Geting any information from MPIC is almost impossible.
Well Mercedes, I am not a lawyer so can’t offer any meaningful advice or comments about class action lawsuits against MPIC. I doubt if MPIC picks on immigrants systemically. That’s not to say an individual adjustor might not take advantage of someone’s language barrier, or someone who doesn’t understand the system, but that would be difficult to prove.
One of the few things you CAN appeal is an unfair settlement for a vehicle which has been written off. You might need to get some help with that though, especially if you are not comfortable in English or are intimidated by the system. I do not know who can offer you this help but maybe one of our bloggers can. Any suggestions out there?
The main reason MPIC has been so successful in repelling challenges from injured Manitobans is because MPICs course of action is enshrined in law (the self-serving MPIC Act). MPIC doesn’t have to be fair, or compassionate, or forthright or understanding. They just have to comply with the Act. Your only real course of action is to force change through your government (MLA, Premier, Minister of Justice, opposition). |
| | Doug Simpson | February 13, 2008 10:31:01 PM | I wonder how much the 2 people involved in setting up this site are paying for
insurance now that they are outside Manitoba and MPI jurisdiction. Before we
dismantle MPI we need to look very carefully at private insurance companies and
their profit margins and increased rates we would be paying. While I agree MPI
provides very little compensation in personal injury incidents and nothing for
pain and suffering, it may prove to be less expensive for each of us to carry
our own personal accident insurance than to expect MPI to compensate us for
pain and suffering when involved in an accident. Money does not diminish the
pain only helps in paying for the medical and prescription costs.
Doug, while MPIC would probably argue that the auto insurance I now have is not as good as what they offer, the fact is, in Manitoba my insurance was $986 (I drove an older car) plus the $65 cost to renew my drivers license each year. Now I pay less than $400 per year plus $72 every five years for my license. To be fair, I no longer carry collision protection (and wouldn’t have carried it in Manitoba had I had the choice) and I live in a smaller town, which accounts for some of the savings.
Concerning pain and suffering, remember, it can be much more than a bit of a sore neck because you got bumped. It can be enduring many, many painful operations reconstructing crushed limbs, or sessions of skin grafts following a severe accident. It can also continue for years. Check out some of the other stories on this blog.
Furthermore, I am not sure if you can even purchase these other personal accident policies in Manitoba over and above MPIC. |
| | Innocent Victim | February 13, 2008 1:45:00 PM | | My wife was sitting in the car waiting for me to. She was already ill and we
were coming home from the doctor. Someone pulls out and rear ends her in the
parking lot. She turns her head and the other driver looks at her,shrugs and
drives off. My wife did get the license plate number but did not remember the
color or make of the car. We filed our MPI claim so we could get some
treatment. We were told to make a police report, we did, the officer phoned the
person whose license plate we gave him. The person simply said they were at
home, the police man said "he believed that the guy was telling the truth!" -
what an idiot! Anyways, MPI denied our claim saying that we had no proof (no
damage to the car). My wife's doctor confirmed on that day that damage had been
done by a car accident to my wife's back. We were not claiming any lost wages
because my wife was not working but just physio costs. We had to pay for physio
ourselves, and my wife still suffers to this day. MPI's attitude is "You are
liar until you prove otherwise". I would hate to see the treatment we would get
for a serious accident! |
| | Mel | February 13, 2008 12:22:55 PM | I like the idea if I make one stupid mistake driving in Manitoba that I'm not
going to get my a%$ sued off like in the States or in provinces that have only
private insurance.
I've dealt with Autopac a few times in my life, having both positive and
negative outcomes. I was rear ended by a semi truck towing a double trailer
that was carrying a full load going about 50km/h. I was a student and received
no cash settlment, however I did receive treatment, which has not given me
full relief to this day. I missed 3 weeks of classes and did not receive
credit for that academic semester.
On the other hand, I've made vandalism claims that were fixed immediately.
I believe that you can be handed off to an adjuster, that may be having a bad
day or that has been in the same position for so many years they're sick of
their job, which happens in every type of occupation ie police handing out
fines for not having renewed your Driver Licence under the new system. I've
heard of people that didn't renew for 4 months and got away with a slap on the
wrist while other people received a huge fine. So if you see your adjusters
having a bad day, request a new adjuster!
If you do not agree with your settlement, than appeal it!
If some adjustor offers you $8000 in settlement for your totalled car which you believe is worth $10,000, yes, you can appeal that. You might even be successful in getting the settlement bumped up. Problem is Mel, you cannot appeal the important things because these are defined in the MPIC Act. For example, if you lose sexual function FOREVER due to an auto accident, MPIC values that at precisely $12,806 (in 2006 dollars). That’s it and you can’t appeal it because it is in the Act. There are many, many important things you simply cannot appeal because they are in the Act. |
| | rick | February 12, 2008 11:33:50 AM | | before no fault,i was involved in a rear ender.it was 5:30am and i was making
my deliveries on pembina hwy.i was getting out of my vehicle when i was struck
by a young kid,drunk,past out,sitting behind the wheel of a stolen car.mpi said
i had no coverage because i had no uninsured motorist coverage.i said i am
going to get a lawyer and they said you don't need to do that.i got a
lawyer,but that didn't help much.my lawyer was hired by my employer and i was
fired.this is just a bit of what went on.i don't think i could tell you about
the whole ordeal with just 4000 characters. |
| | Gunner | February 12, 2008 10:49:46 AM | | I've lived here for four years and love almost everything about Manitoba, but
when it comes to vehicle insurance this province is draconian to the max.
MPI is always saying how great they are, how much they give back how low the
overall rates are. If this group of bandits really believes this $%!#* they spew,
why not open the door to competition? If they're that good, they'll get all the
business, but when you live in a communist state, competition isn't something
you'll likely get.
I would love to get on a rant regarding motorcycle insurance, but that would
last until the next ice age. But I will say, some one at MPI, at a high level,
must have been scared half to death by a big bad biker to have their secret
little, worst kept secret, that the organization would like to see motorcycles
banned in this province outright.
There is a cure, when we have a provincial election, demand to know were your
candidates stand on the ripoff and vote for the person who will stand for a
change, not the party because daddy did! |
| | Roger | February 12, 2008 9:06:17 AM | IMHO Autopac is no better and no worse than any other insurance company. They
say 'we are here to protect you' and they are 'subject to the terms and
conditions of the contract' but they are primarily here to make a profit for
their shareholders.
With Autopac, the shareholders are all the policyholders - including those
that have claims. The profit from Autopac is coming to us in the form of
lower rates (for some drivers) and annual rebates - which the PUB forces
Autopac to give to us. To make a profit they have to ensure their costs are
within a normal range.
The costs to Autopac are the claims - so they look for ways to reduce those
costs. e.g. They will try to lowball you on a write-off to reduce the costs.
You can negotiate and use other appeal processes to obtain a better settlement
but they are not going to just give it to you up front - as otherwise
their 'shareholders' might/would complain that they are not doing a proper job.
Similairly for injury claims they have a standard protocol to follow such
as '40 chiropractor visits for Track I care'. They put this in place to limit
their costs as otherwise someone might want 'free' chiropractic adjustments
for life following an accident. You can appeal this if your medical
professional feels you are not fully recovered after the 40'th visit.
As with any other insurance company they have terms and conditions that limit
their costs - and they will use them all when they deal with a claim. If you
are a 'shareholder' and someone else is filing a claim then you are expecting
Autopac to adjust that claim to the minimum cost - so as to maximize your
return on investment. You would complain big time if Autopac were to be
paying out big bucks to a claimant - which resulted in your profits going down.
On the other hand if you are a claimant - you may feel unfairly treated when
Autopac tries to keep your claim costs down. The way around this is to ensure
you know what the terms and conditions are and to ensure you get what you are
entitled to. That is going to require you to do some 'homework' and to be
persistent - as Autopac is not going to just hand a benefit to you that they
might be able to avoid paying out.
Thanks for your input Roger. No one is advocating a wide-open insurance plan that gives every accident victim a windfall. What I believe people want is fairness and compassion from MPIC. The way MPIC operates now, among other things, the victim can lose his or her health coverage, dental plan, and life insurance plan. These things aren’t extravagant luxuries; they are necessities. When I insure my home, I don’t expect to make a profit if it burns down, but I do expect to be no worse off. That’s what insurance is. |
| | Jim Furtado | February 12, 2008 1:10:50 AM | | Cool reading ... thanks for the info :) |
| | Will & Charlotte Tataryn | February 11, 2008 4:12:14 PM | | My wife and I were both involved in different years in rear end collisions
with our vehicles resulting in whiplash to both our necks my wifes were a
little more sever than mine.. When we filed a claim with our Chiropractor MPI
immediately phoned us the very next day and asked why would we file a claim
with the chiropractor maybe we were being a bit too hasty was what they
thought.. Our reponse was we were just protecting ourselves in case of any
other symtoms come up in the future it will be documented with our doctors was
my response.. Reluctently, they approved the claim and even sent us a
statement with what they paid out on their behalf as insurers to our
respective Doctor's.. I guess this was their way to try to make us feel bad
and make us somehow stop seeking medical treatment because of the finacial
burden we were causing them. I guess MPI were looking for some kind of
sympathy from us making us believe Mpi really cares about all us people who
pay into Mpic .. This was just minor incidents, thank God it wasn't something
severe! What a joke. |
| | Charles (Calgary AB) | February 11, 2008 4:12:05 PM | My wife and I are both former Manitobans who moved to Alberta 5 years ago. We
couldn't believe how much cheaper private insurance was here compared to the MPIC.
We have 2 vehicles, both under 3 years old with all purpose insurance since they
are both driven to work each day. Grand total for both -- $1362 / year. Our
deductible also decreases by $50 for each year of claim free driving.
Add on to the fact that Alberta only requires a drivers licence renewal every
five years ($60 depending on registry) and there is even more savings.
MPIC is the biggest joke in the country and serves only one purpose. That being
to screw over all residents of Manitoba and line the pockets of its NDP masters. |
| | dissapointed | February 11, 2008 2:30:53 PM | | hey me, you must work for mpi. i was in a mva about 25 years ago. i became a
paraplegic. at the time the medical coverage limit was 20.000. that was used up
about 12 years ago. i have to pay for everything ie wheelchairs catheters etc.
thats not right. then mpi only raises my benefits about 2% a year. my utilities
and everything else goes up more than that. this is a great website and maybe
we will get somewhere with it. keep up the good work. thanks . being ripped off |
| | reg | February 11, 2008 2:04:31 PM | | I drive a low mileage 13 yr old Mustang GT equipt with an alarm system and an
immobilizer. This system was installed and has been successfully protecting my
vehicle from theft since I purchased the car new.
I am now being forced to have my anti theft system replaced with
MPIC "approved" equipment ,running the risk of problems arising from the new
installation and ignoring that addage , if it ain't broke why fix it .
All my requests to allow my existing system to stand have been met with the
usual bureaucratic crap.
Boy , am I pissed . |
| | Ron | February 11, 2008 1:54:23 PM | | I recently tried to pay my autopac insurance.the agent was not able to take my
payment because my credit card was going to expire in two weeks. I was told
that was policy and nothing could be done. |
| | Jane | February 11, 2008 1:00:42 PM | | I was rear ended in August of 2005 and suffered damage to my back and hip.
After 26 visits to physiotherapies MPIC told me I was better.
I was still in pain and consulted with Dr Watson who is a specialist in
physical medicine. He has given me 10 treatments of prolo therapy and cranial
acupuncture.
I am now pain free. This has cost me $1,500. with no compensation from MPI.
They stand behind their rules and agreements and refuse to listen to the
injured victims.
I have written letters and talk to V.P. at MPI and have been treated like
someone that is beneath them. We the victims and drivers have no real
coverage for bodily injurers.
We are victims first in the accident and then again by MPI. |
| | k | February 11, 2008 10:47:18 AM | | I have had a number of claims with MPIC,some involving accidents, other just
vehicle damage. I have dealt with some pretty arrogant adjusters and
estimators. I can understand to some degree that they are trying to detect
fraud, but that doesn't give them an excuse to be rude. I unlike many I am
sure, do not agree with payments for pain and suffering. I do think you should
be reimbursed 100% for any wages missed, treatments taken etc. Accidents
happen, it's the chance we take when we leave our houses every morning. While I
don't agree with them not paying for certain things, I do not agree with them
paying for ones pain and suffering. Let me tell you I know a lot of good
actors! If you fall down the stairs at your house, how would you sue for pain
and suffering then??? |
| | little joey | February 11, 2008 9:18:03 AM | | education isnt about educating people,health care isnt about helping the
sick.It all about helping the union movement and controlling people through
comunesim and proviging more wealth to are soviet masters in the NDP. |
| | Brian | February 11, 2008 9:00:44 AM | I think that most Manitobans have had the wool pulled over their eyes regarding
MPI for many many years. As a mbr of the CF, I've lived in many Provinces
across our great country, and when first coming to Manitoba from Ontario, my
wife and I experienced a substantial increase in automobile insurance. For our
two cars and a motorcycle at that time we paid 45% MORE than for Ontario based
private insurance for the cars and 65% more for the motorcycle! Something that
most Manitobans dismissed with disbelief when this was mentioned in general
conversation. Most are/were convinced that their premium costs were far less.
But Manitobans are not alone - BC is experiencing similar contortions with
their 'government' (ICBC) insurance plan. Typically among military circles it
has been a long standing joke that when getting set up in Manitoba regarding
vehicle registration, insurance, and driver licensing one must simply must set
their watch back 50 years and try to remain their composure when dealing with
these folks.
Many of the MPI - government type employees really do not care, they are simply
focused on processing you - not in providing you the insurance needs that you
desire or need. My experience with private insurance companies in other
Provinces has been quite the opposite, the focus was on your particular wants
and needs. Private insurance privides the best coverage for people - NO
QUESTION. Unfortunately most Manitobans do not believe this most have never
experienced anything but their beloved MPI.
You've raised a good point Brian. Those who have never lived in another province have only MPIC's glossy information pamphlets and PR releases to judge how good or how bad MPIC and Autopac really is, unless of course they've been hurt in an accident and have had to deal with MPIC. Short of this, it is only through websites such as this and through comments such as yours that they can be exposed to other points of view and to truths that MPIC otherwise keeps close to its vest. Only the government can change the way MPIC operates, and they won't do that until Manitoban voters force them to. Why would they want to; MPIC is a cash cow. |
| | J. | February 11, 2008 7:53:33 AM | To mpisucks.com.
How I wish everyone could understand how MPI works.
This "government agency" is one of the worst scams I have ever seen, since I am
a mechanic for a "MPI Certified Shop", I have seen all the corruptions and sh^&
that goes on, that the public just don't see. This is just one of the many
reasons why we need an independent inquiry to clean this mess up.
MPI has tried to scam me before, but I know better. Hey any of you guys ever
get the bull&%^& from MPI that your damaged vehicle is only worth so much money
after the accident. Don't settle until you get the amount you are comfortable
at.
Anyway, got to go to work now.
J. |
| | Dieter | February 11, 2008 7:04:34 AM | My experience with MPI was nothing but positive following an icy road accident that resulted in my car
being struck on the driver's side by an oncoming semi-truck in the mid-1990s. Shortly after no-fault
insurance was introduced. I was lucky and suffered a back of the head flap laceration, a severed tendon
in my left hand, a fractured bone in my left hand, and a right leg that was paralyzed for just over a
week.
The MPI agent I was dealing with went out of his way to ensure that I received all available
compensation including reimbursement for tuition from my time away from school. I also received a
significant scarring benefit for scars on my hand including a scar created by doctors who had to do
skin grafts. My glasses were replaced along with clothes and other personal belongings. The accident
was considered my fault as I did not have proper control of the vehicle given the road conditions. I can
accept that responsibility. Thankfully, both the semi and I were going about 70km but it could have
been much worse. I lost a merit, as I should have, and have since returned to 5 merits which I've had for
over 10 years.
No system is perfect but my experience was positive. I hope the website publishes all comments and
not just negative ones.
As you can see Dieter, we do publish all letters, pro or con as long as they're not obscene. I am glad to hear that you were treated well by MPIC following your accident and injuries. Fortunately your injuries were such that you recovered and were able to return to a normal life. Had you not been so fortunate, well, refer to the MPIC Act for that outcome. |
| | Harvey | February 11, 2008 4:55:07 AM | | I agree 100% with this site! We should have private insurance that allows
good drivers to be rewarded for good driving. I have a motorcycle and pay
over $2000 a year for insurance. A buddy of mine in Alberta pays $700 a year
for the same coverage as I have. That is $%!#* How do we change this system
though? |
| | Darcy Drew | February 10, 2008 11:58:35 PM | | I say we get rid of MPIC now. I am willing to pay 5 times more in premiums so I
don't have to listen these horror stories. Friends of mine in Alberta and
Ontario pay over $5000 a year for good insurance, we need that level of choice
available here. If I want to pay more premiums for more insurance let me. You
only get your insurance cut off if you have an accident under private insurance,
under MPIC they stupidly insure everyone. Let us good drivers, or those who can
afford it pay for good insurance. They invented the bus and walking for those
who shouldn't be driving. Keep up the good work on this blog. Can't wait til
these communists finally let us pay what we want for good insurance. |
| | Hosed by MPI | February 10, 2008 11:14:57 PM | | My wife and I are have lost over $60,000 in income as a result of MPI. Why you
ask? My wife who is a lawyer and self employed was hit by a driver from BC who
ran a red light. To make a long story short she maxed out the income limit
covered under standard MPI coverage. My wife lost major clients and income.
MPI's response was to identify that we/she could have purchased 'additional'
coverage through some obscure agency in Brandon. The flaw with MPI is that
anyone who has an above average income CANNOT recover the difference between
MPI coverage and your real loss; too bad so sad. Introduced by the NDP for
AVERAGE persons, those who are above average chose to leave; written from BC. |
| | Dawn Anderson | February 10, 2008 11:12:50 PM | | Heres another kicker.
Guess what folks!
Auto and part theft is not illegal in Manitoba.
Only for those not in the biz!
Ill be proving that one too, very shortly.
Dont write these jokers, write the Prime Minister or the Leader of the
Opposition. |
| | John | February 10, 2008 9:30:08 PM | A dirty little secret:
I had someone recently break into my car and I caught them red handed climbing
into the vehicle...I of course attempted to stop them and I did, they fled. But
in hindsight I should have let them continue because it actually cost me my
deductible! I dd not give them enough time to smash the steering column! If I
did, it turns out I would not have had to pay the deductible! The act of
breaking into one's car is not enough in the eyes of MPI, the steering column
has to be smashed!! So of course now that I know MPI's dirty little secret you
can bet what I am going to do, nothing...watch them smash and grab!
It turns out I would not have gotten much for the aftermarket stereo either,if
they would have taken it. I had receipts,etc, but of course MPI said they do not
match fair market value for an exchange anyways, they just give you the
deprecieated value. What a rip off. Remind me why I am paying for insurance? |
| | Murray Smith | February 8, 2008 10:17:03 AM | | I moved back to Manitoba in the summer of 2006 from a city in British Columbia
with a population of 75000 to a small town in Manitobia with a population of
6500. When I insured my car I was suprised to find my premium was slitghtly
higher than in B.C. even though my chances of having an accident were greatly
reduced. Two months later I was informed that a speeding ticket I received in
2004 while in B.C. would cost me another $200. I protested this saying that my
drivers abstract and my insurance record showed one traffic offense in the last
ten years and no accidents in the last 20 years. With this record ICBC had not
changed my insurance rates or my drivers licence cost.My appeals fell on deaf
ears all I got was a bunch of Bull about how good MPI was.
I knew I lost the right to sue when I moved back but until I read your
letter I didnt know how bad it was. The most discouraging thing about this is
the fact that my friends and neighbours that I talk to dont seem to give a damm
Keep up your good work I will be watching your results.
Yours Truly
J Murray Smith |
| | ken macneily wpg | February 6, 2008 8:18:54 AM | | These examples are in my opinion.SCAMS!!!!!Mpi established these Autopac retail
sales offices to further their idea of legalized fraud.Same idea the provincial
and Federal gov't uses to blame each other.The other day I phoned Bell insurance
(st VItal) to inquire what the $40 insurance on my license covered,she said
what I have to do is to come down to the autopac office to have this
information,when I asked her why I have to come to you office she asked "who's
calling" and I said it doesn't matter who is calling as I only wanted
information and she hung up on me!!!!!!that's autopac for you. Another SCAM is
the vechile imobilizer!!!! We make it,we set the price and we tell what
authority you. have to use to install it!!! I would like a business like that,
but it's illegal for me to do.Now the latest---your older car has to be
equipped with one before it can be licensed. Mpi says only the "top stolen
models" have to have it. Looked on the list and it basically includes EVERY
model. MPI really does SUCK!!!!!! |
| | David R T | January 31, 2008 7:30:41 PM | Wow! Have I got a few stories about MPI!
I had my dream car! a 1989 Taurus SHO I bought. About 7 mnths later it got
stolen. I was told it was set on fire and burnt. Autopac had an investigator
contact me about the car asked me a million questions about what I was doing the
night before and what I did after. After waiting 5 mnths, autopac wanted me to
talk to the police. The police did their investigation and asked me to take a
polygraph test. I said yes I would be back tomorrow or the next day as I had to
work. I then called my lawyer! He said basically, Tell autopac either charge
you, or give me my %*&#en money! So I called them and told them just that! The
next day I had my first (retarded) offer. Bought the car (10 mnths earlier now)
for $5300, and they offered me 4900. After bringing my bills and such, worth
over $7000, they said they weren't going to budge on the price! I said fine Ill
get an Arbitrator. They then changed their tone and gave me 7900!
Ill start with my first experience with MPIC. I was involved in a MVA a few
years back and I couldnt go to work as I hurt my back. So I was off work and the
doctor said not to go back to work for at least 2 mnths and to get back to him.
I had an appt to see my injury adjuster and I met her downtown. The idiot had
asked me a few questions, then asked me if I was ready to work. I replied, " I
would love to go back to work now, but I cant because of my back", so she took
it as I was going back to work. I told her not to put words in my %*&#en mouth.
(If your not to the point with them when they try to make you say something,
they WILL walk all over you!!) I needed someone to help me cut grass and do some
light chores around the house, so she sent someone to see me. That woman came to
my house, and was asking me a few questions. After she left, a week later sent
me a letter back saying, " He didnt complain about his back being sore and he
has other people in the house to do most of the work." Im sorry, But I dont like
to whine to strangers about my %*&#en problems, I bet if I popped a boner, she
would have wanted to know about it too I guess!?
Next time I dealt with them, my truck got stolen in the morning. I called and
had it reported stolen as I was on my way to work. They did an investigation and
said I did it!? I talked to the adjuster and he said I had to have something to
do with it! I said yes of course! I was sleeping, got in my truck broke the
column drove half way across the %*&#en city and walked my $%!#* back home in time
to go back to bed, and get my $%!#* up for work. So I went to autopac to see the
adjuster again, and I noticed a red and blue colored paper on my claim, and
asked, "why is there a red and blue piece of paper on my claim sheet?" She said,
"Oh its to make sure that your on time." I replied, "Do you think Im retarded
lady!?" She walked away with a stupid look on her face! Went through the
investigations, AGAIN, and of course I got my truck back.
Recently (2 or 3 weeks) I had a few claims on my car. (hail damage, someone
broke in to my car, partial theft) and I was missing a claim. So, stupid me, I
went to autopac to get the missing claim. Boy was that a stupid thing to do! I
droped that claim off to the body shop so they can fix the whole car. After the
body shop was done they said to me I needed to get the estimate sheets from
autopac. Easy enough right? WRONG! The adjuster gave me the wrong sheets. I
picked up the estimate and it said DO NOT REPAIR on it. So I called the adjuster
and left him 3 messages over a week. Then I called him supervisor the following
week and left him 4 messages and about 8 at the front for him. About 3 days
later I called back yet again, and believe it or not, I talked to someone smart
from autopac (I know, hard to believe!) The supervisor I tried to talk to hasnt
been working there for the past 2 weeks before I called him. She got the
adjuster to call me that same day. That retard says, "I cant say that the
adjuster gave those papers to you. And there is nothing we are willing to do for
you!"
The least this %&#%er could have done is said Im sorry for the mistake!
On a last note:
MAKE SURE WHEN THEY ASK YOU A QUESTION, ITS THE RIGHT QUESTION!!!! IF ITS NOT
THE RIGHT QUESTION YOU EXPLAIN YOURSELF BEFORE YOU ANSWER THEM!
Thanks for letting me vent about those $%!#* s! |
| | Heather | January 30, 2008 9:26:57 PM | | A few years ago we had our mini van stolen. The woman who handled our case
accused us of stagging the whole thing. She claimed she had never EVER seen a
mini van such as our stolen. Oddly, I found on the MPI web site a list of top
100 stolen vehicles....there was ours (make, model & year) at number 30. The
twit ended up loosing her job after we relentlessly went after her and her boss
for her unbelievable conduct. |
| | kim | January 28, 2008 2:37:02 PM | | We need to wake up and take action. People don't understand we are paying a
double deductable.surcharge on your license and deductable to fix your
car.Every accident is almost always 50/50. They tried this in B.C. and there
was such an out pouring of media attention they stopped it. Two small accidents
in a three year period your paying an extra 400.00 to 600.00 surcharge on your
license,all not to lose your safe driving?What every happened to one free
accident a year? I have not been involved in an accident ever 28 years driving,
one accident 200.00 surcharge on my license it is a joke. |
| | Trev | January 9, 2008 8:10:44 PM | | MPI, SCAM SCAM SCAM, I was in a mva and suffered double sided whiplash and
shoulder injury, severe headaches that got worse over time. My only treatment
was 25 physio visits and once that was done I was forced to modified duties at
my work after a couple of months of my mva. I tried this for about a month and
just couldn't handle the pain and at this time MPI spent about $9000 for a ten
week Work Hardening Program at Associated Rehabilitation Consultants of Canada
(ARCC). Don't let the fancy name fool you it's a scam by MPI and Dr. Conrad Hoy
check out www.ratemds.com (who I have filed a complaint against at The College
For Physicians and Surgeons)even though the program made me feel worse and never
addressed my initial problems of shoulder injury ,whiplash and headaches instead
it focused on lifting weights and no personal trainer which I had to do all the
exercises on my own!!! I could have gotten a ten year membership at any gym with
a personal trainer for that, but without the guarantee to MPI that I would
return back to work. This facility was a loaded gun before I walked in
guaranteeing all the insurance companies that they will send all claimants back
to work NO MATTER WHAT even though my Chiropractor and doctor says no way. All
income from MPI has stopped once their doctor signed me off (Fraud) Also DO NOT
except the first offer if you write your vehicle off MPI will low ball you every
time. I hired an Arbitrator and than it went to an Umpire and I was awarded
another $4500 on top of their final offer. A different accident(which wasn't my
fault again) I had to hire an arbitrator and that time I got $5200 over their
final offer, but I did wait 8 months each time which was worth it! Also MPI
won't tell you this, but they are suppose to cut you a check within two weeks of
their first offer if you are arbitrating. Remember over 90% of people will take
the first offer right away because they need to buy another car right away to
get to work. During my situation I have been lied too, they were kiniving to my
work and because of this I'm not on good terms with my work and MPI will do
anything to stop paying you. Also I did not receive my first income replacement
check for two and a half months after my accident, they try to starve you back
to work and feel no guilt in doing it. MPI tried to make the accident 50/50 even
though I had two independent witnesses driving behind the other driver that
T-boned me in an intersection. I was told that MPI couldn't get a hold of my
witnesses, I called my witnesses and they said they talked to MPI, once I
threatened to report my adjuster he gave in and made me 100% NOT AT FAULT which
was obvious anyways. They are all arrogant down there because they are
self-governed and can do most anything they want because no one complains on
them. DO NOT BELIEVE A WORD ANYONE AT MPI TELLS YOU, THEY ARE ALL LIARS!!! Don't
be scared to tell them off, if you don't stick up for yourself they will eat you
alive. Their policies in which they hide behind are not written in stone, I've
made them bend them on a few occasions. YOUR NATURAL INSTINCTS WILL ALERT YOU
WHEN YOUR BEING SCREWED, SO DON'T IGNORE THE LOUD ALARMS GOING OFF IN YOUR HEAD
WHEN YOU DEAL WITH MPI, AND HAVE A BACK BONE AND STICK UP FOR YOURSELVES!!! |
| | Edmundo Miranda | January 4, 2008 6:54:43 AM | | I posted my comments even befor reading other's, after reading your posts it
was just like I did wright that. To Bob From Winnipeg, I lost my house man, I
refused to sell it, it was not my fault that MPI was imcompetent, I had no
intentions of selling my house and I did not sold it, I lost it and I dont
regret it, as I said befor I will not do what MPI want's me to if I feel that
is not right. Im seeing a psychologist once a week for the last 7 yrs, and MPI
doctors all agree with my doctors statement's. About Dave Chomiak , I will not
trust him, I beleive that he must be very happy to see some communist rules in
Canada, I dont know his back grounds but I know in what he is or was involved ,
therefor ... Dont trust that persson .Sorry , whene I talk about this I get mad
and I have more dificultis to express my self. What gets me even more mad is
the fact that some people that workfor MPI dont agree with the laws, how can
you do a good job if you dont believe in what you are doing ? From I know, the
adjuster that took care of my problem in the beggining did quit, I dont if
thats true, but I never heard about him after they realised the mistake they
did with me. We should organise a rally in protest, even if 2 or 3 peopel
wanted to do that lets do it, lests call them by what they are, FASCISTS,
KILLERS, thats what they are, the people that works for MPI sorvive with mine
and your's blood, will they tell to theyre kidds what kind a job they have ?
Ruinning peoples life ?!IM MAD IM MAD AND IM MAD ... |
| | Edmundo Miranda ( Surrey BC ) | January 4, 2008 6:15:21 AM | | First sorry for my English, My Mother Languish its Portuguese, Second, I guess
people should put they names here and not be anonimouse like that Persson nick
Named "Me", that persson must be one of dose who works for MPI or have a big
banc acount and is ok for life . I'm glad someone is trying to get the
attention of people about MPI, here in BC, whene I told my story to people they
have hard time believing that something like this happens in Canada. This MPI
act is Anti-Democrat and its based in Communist ideas , dose ideas are proved
that they dont work and they are against humans rights, they are only good for
the people in Power, actually we have no rights whene it comes to MPIC. Im
gonna be short telling what happened to me: I was in Winnipeg open up a fish
store whene one night I was a passanger in a Manitoba car, We were stoped at a
red ligh at the interssection of Jarvis and McPhillips, a van came from beind
and hit us, the driver of the van was so drank that he follow a sleep in the
Police cruiser wile they were asking him questions, in the result of this
accident I lost my house, my credit, my repotation and most important of all I
almost lost my famelly, this accidente was 8.5 yrs ago and my kids were 9 and
10 at the time , if I tell you what they did to me even you guys would not
believe, my bigest problem is PSTD because the way they treated me and they
lied to me, I can even prove negligence amoungst lots of other anti human
things that they did to me and my familly, they even followed my kids and have
them recorded on vedeo whene they were going to school, they called my house to
check were I was and then saying that was a wrong number or simply hung up, I
have documents to prove all this but they word nothing. Now they want me to go
collect CPP, and Im not going, its not right, I was judged under a Provincial
law and now they want me to use Federal money because a drunk driver hit me and
MPI was imcompetent to solve my problem ?No way, if they cut my Income I will
be in Manitoba in front of they offices, I will not eat until they solve my
problem, if they will not solve my problem I will kill my self in theyre
office, and the World will know what they have done to me and my kids. I will
never quit fighting MPI, I will never go against my believes, I beleieve in
fereness and justice, I never had any problems with the law, all I did was
working to give my kids a better life and MPI destroied that. Dont just seat
there and accept everything they wanna do, even if MPI have rules worst that
Paquistan, Iran, Iraque etc etc etc, dont bend and stand firm against them .
Sorrey for taking your time but Im very upset now and very mad . TOGHETHER WE
STAND DIVIDED WE FALL. |
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