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| Against MPI | December 31, 2010 1:13:44 PM |
| There has been recent talk that MPI will be reducing auto insurance premiums by
4% in 2011. People need to be unaware how MPI operates because the uneducated
public will probably think this is great. Manitobans like a good deal.
Unfortunately, what this actually means is that 1) MPI has been forced to
reduce premiums due to how much money they are pocketing from not paying out BI
claims. Their profits annually are in the millions 2) they are reducting
premiums to get into the public's good books 3) they are reducing premiums
because they plan on denying even more claims. Let's face it, MPI is not
reducing premiums to be nice. We have to make sure the public is aware that by
MPI reducing their premiums means there is a cover up. MPI has not been paying
BI claims so with MPI reducing their premiums it is a sure sign that they are
going to continue denying BI claims in the future. If anything, to ensure they
continue making their usual huge profits annually, they will make up the
difference by denying even more claims. Manitobans need to be aware of what
2011 - 2012 will be like for those who get hurt in an accident. MPI is
becoming even more corrupt ! |
|
| panda | December 30, 2010 11:32:55 PM |
@ p.b: Body integrity and safety inspection requirement are not always followed by
numerous purchasers of MPI's vehicles.
Go to MPI's " Sanctions Listing " website, and see how many garages have been
penalized for not following rules. |
|
| papa bear | December 30, 2010 9:40:16 PM |
| @panda. here some REAL facts 4 U!
MPI does auction
off the vehicle to anyone but you just can't fix them and put them back on the
road. They have to have mechanical safetya body integrity done on them by a
sertified inspection station. Some of the vehicle are not allowed back on the
road. MPI makes them Irrepaiable & if under 1994 are automaticaly Irrepariable.
Some of the people that buy these vehicle are certified journeymen in autobody. |
|
| panda | December 30, 2010 5:20:17 PM |
Due to having a hold on Manitobans' lives, by controlling from every angle, such
as driver licence, auto insurance, auto sales permit, auto dealer permit and so
on, by MPI. There is little hope of getting a fair justice when it comes to
dealing with monopoly.
The management know that they can get away with any aggression by denying any
case. Claimant advisory department and Appeal Commission are no help either.
The other issue in question about MPI's greed is , that they auction off close
to 400 written off vehicles to just about anyone, who', in most cases do not
have ability or desire to repair those damaged vehicles properly. Consequently,
these improperly repaired vehicles go back on the road again, and this vicious
circle go on and on.
Those damaged vehicles should only be allowed to sell to licensed repair
facility, which carries proper repair equipments to repair damaged vehicles. But
doing so can reduce revenue for MPI. That is why, no one pays attention to this
very important issue.
Therefore, MPI has to be held accountable for all these wrongdoings and misusing
its power. For that a group of dissatisfied claimants have to get together to
raise their common cause against MPI's aggression and brings to the attention of
the Minister, Andrew Swan responsible for MPI. |
|
| Against MPI | December 30, 2010 3:04:38 PM |
| I emailed the MVA website address to the Fibromyalgia Support Group so that
some of their members can sign the petition. MPI does not recognize soft
tissue injuries. Many of us have severe whiplash but have been diagnosed with
FM so MPI uses the FM diagnosis to deny claims instead of acknowledging severe
whiplash. FM is a battle in itself. Even with xrays proving whiplash, MPI still
denies. A lot of people in the FM Support Group are on welfare or on gov't
disability because of their car accident. A lot of people are also being
supported by family and friends because MPI won't pay any benefits. A lot of
people are fired because of their medical conditions after an accident. Some
are lucky and can claim short or long term benefits but a lot get fired before
they can even start the process. Unfortunately, MPI denies whenever they want
regardless of how much proof they get because they honestly think someone that
is hurt can get $$ somewhere else but many times that is not possible. That is
how businesses operate. Unfortunately, the burdon is put on the injured
person. Not only do they have to fight MPI for benefits, they generally run
out of $$ before their claim gets to the appeal commission level and when that
happens the claim is generally denied anyway because the appeal commission are
all gov't employees. Only after that can an injured person try to get onto the
gov't disability plan but they are like MPI and they deny deny deny. Years of
appealing and probably thousands of dollars on a lawyer may only get a person
$400.-$600. per month (sometimes more if they qualify for more). A lot of FM
sufferers don't have the energy or the knowledge to keep fighting so MPI wins
again. MPI takes years and years to settle a claim and they offer a portion of
what a person is really entitled to but people are so broke at that point they
just take the cash and settle so MPI wins again. No matter how you look at it
MPI is one gov't mess after another. Yes all insurance companies are in the
business to make money but MPI should not operate to make millions of dollars a
year especially when people are going bankrupt. The gov't brags how they take
care of their own but when you really look at it, gov't only takes care of
gov't. They take our money and they spend it how they see fit. We are the
ones that suffer. We have no rights that is why Manitobans need to be educated
on how badly flawed our gov't systems are. It would be great if we could get
the support of people with FM to join our fight as well. I will provide an
update as soon as I can. |
|
| JULIEN DUBUC | December 30, 2010 12:49:24 PM |
| {JUST OVER HALF OF BLACKBOOK VALUEPAID}.. . GIRLFRIEND paid $850 4 car at
AUCTION .I HELP fixed it up with a safety body/integrity.hole nine yards. cost
altogether $2200 WITH PURCHASE OF CAR. Then writen off.mpic cliams ajuster
andrew brown offered $2650 minus the deductable which is $2550.that meaNS THEY
GAVE ME $350 4 THE CAR.$2200 CAME FROM POCKET ANYWAYS TO PUT ON ROAD..HE SAID
WE MADE $350 WHICH WAS GOOD.[NOT].THERE PROFITN MORE. WHEN THEY RESELL IT AGAIN
AT AUCTION.THEY WILL SELL IT AGAIN FOR $500 AN UP FOR THE CAR . WHOS PROFITING
U DO MATH .$2550-$500=SHE ONLY GETS BACK $2050FOR CAR . SHE LOSE $150 ....YET
THE AJUSTER SAID WE PROFITED $350. IT WAS ONLY ON ROAD 17 DAYS.MPIC MEN
AJUSTERS ALWAYS RIP OFF WOMAN ????? SHE PAYED BLACK BOOK TAXES ON
$4500.....MPIC A RIP OFF DEC30 |
|
| Adrian | December 29, 2010 11:38:04 PM |
Jim,
I will not try to argue or counter your arguments because everyone is entitled
to your opinion and I understand what you are coming from. But, from someone who
has been injured by no fault of their own I will say this..
You may be right that a lot of private insurance companies operate in the same
way, but you are comparing apples and oranges. This is not a private insurance
company. This is an insurance company that you are automatically forced to
subscribe to and you do not have a choice or an alternative. Furthermore, when
you are obviously treated wrongly, you have little-to-no recourse. This system
is not set up to generate revenue, it was set up to combat rising costs of
private insurance companies while serving the public. The large majority of the
definition of the public in terms of MPI means injured people and at the end of
the day it does not do what it's supposed to do. Even worse, in many cases the
system that is set up to serve the public, just makes things worse. |
|
| Jim | December 29, 2010 8:31:19 PM |
@Wayne,
Personally, I do not see much difference between increasing taxes and
increasing insurance rates, other than an increase in vehicle insurance rates
will not affect those without vehicles. Either way, you pay more.
As far as simply switching to a different private insurance company if you are
not satisfied, this may be an option, but it does not mean you will get what
you are looking for from another insurance agency. Also, most probably perform
pre-approval physicals which would likely show existing problems. Therefore,
you may only be accepted at a much higher monthly premium than you would like
to pay. I am not a fan of any insurance company. |
|
| Phoebe | December 29, 2010 2:53:04 PM |
| Thanks for the advice! I will be contacting my neurologist and be bringing a
copy of my scheduled MRI appointment. Thanks again! My neurologist said that
MPI could not deny my claim as I still have a concussion. |
|
| wayne | December 28, 2010 6:29:33 PM |
| @Jim...not sure what you don't understand but here we go. MPI (as well as
private insurance companies) are in business for profit. No matter how many
claims are paid out with MPI, your taxes won't increase. When MPI first started
up, they used tax money, now they would just raise the price of your insurance.
Not too hard to figure. Also, if a private insurance company gets the
reputation of not paying any claims, and harassing the claimants, guess what?
They would go out of business cuz guess what again? That's right Jim, the
people have choices and competition with private insurance companies. Get a bad
reputation, and no one uses your company anymore. Pretty simple concept, might
not be understood by many Manitobans though as we deal with a govt monopoly
that sticks it to people. |
|
| Jim | December 28, 2010 10:28:16 AM |
@Against MPI,
I want to clarify a few things, but I am also not going to turn this into a
blog similar to that of the Winnipeg Sun.
When I spoke of taxpayer rates increasing, I was only referring to if MPI
compensated for things such as pain and suffering and loss of quality of life.
I do not have the exact dollar amounts MPI took in year by year, but given the
number of claims that are probably made every year, and I suspect the vast
majority of claims are accepted (although many may be of short duration), these
profits would dwindle and the injured would probably still not be satisfied
with the amount of money they received.
As for private insurance companies, they are for-profit so it benefits them not
to accept claims and when they do, limit liability. Although people may have
the right to sue private insurance companies, many of these companies have
highly paid lawyers as well as the resources to drag a civil case on for
years. I imagine that many injured people would not have the resources to be
able to compete.
I am sure there is much room for improvement in the MPI system. I hope you and
others who have commented on this blog have success in your endeavours. |
|
| steve | December 28, 2010 10:08:23 AM |
| MR Ghostbuster.. i just finished reading your post.KOODOOS to you. YOU are so
right.yes i fought them for 18 months in court.yes they tryed to find my pass
medical history.I DONT HAVE ONE AT ALL.thats what saved me.40 year old truck
driver.the only time i seen a doctor was to get a class 1 medical was in the
best shape of my life.now i have to take two perkacets a day just to walk
around my house.I think the bloodsucking lawyers are part of the blame. WHEN
ANYONE hires a bloodsucker.. MAKE sure you have it all on PAPER..signed by both
parties involved. how much it will cost you.how payements will be made.Cause i
didnt.and it cost me just about three quarters of my back pay from mpi.i fired
them.now im talking to mpi and it doesn't cost me a dime. |
|
| Adrian | December 27, 2010 9:30:52 PM |
I really don't have too much to add to what others have been saying other then
what I've said before... our system is broken and something needs to change. The
MPI system is designed to make you feel hopeless and give up so what we need to
be doing is the exact opposite or things will never change.
I'm up to 41 signatures for my petition myself just through my family taking it
to their friends and co-workers for their signatures so I'm very glad to have
their help. The minimum is 15 signatures but I will still try to get as many as
possible by the end of February. I know it would be great if others took it for
signatures and it spread but although I know that may not happen I will keep
trying to do my part through this and other avenues.
Other then that, I hope everyone had a great holiday season with their family
and all the best for the new year as well. |
|
| Wayne | December 26, 2010 10:41:50 PM |
| I know what you mean Carlyn. For all of you, it is too late, but do you want
your kids to go through the same? Obviously you, and many others don't. There
are a few of us putting our heads together and trying to find an answer. I feel
more positive working towards this, than all of you sitting at home alone,
feeling like all is lost. We all know that what MPI does to people is wrong.
What they are doing is probably illegal. Put it this way, you take MPI to
court, but, the same guy that is in charge of MPI, is in charge of Manitoba
Justice?
If a person stands on a street corner and says "no", he won't be heard by
many. If many people stand on a corner and shout "no", slowly the message will
get around.
It's either try to change the way things work, or just say sorry to your kids.
After all, they end up with the mess.
I hope you all had a great Christmas, and hopefully 2011 will be a memorable
year (in a good way :0) |
|
| Carlyn | December 24, 2010 11:01:21 PM |
@Wayne: Sadly, you are quite accurate. MPI case manager for injury made effort
to gather information only when they wanted to deny benefits. They
hired 'independant' consultant who would say what they wanted rather than
contacting professionals treating me. I had to get their findings included as
part of the internal review. When MPI did contact them to challenge what I had
said, they asked for info that they knew could not be given and only noted
portions of phone conversations that would benefit MPI's position.
I have seen many people reduced to poverty and desperation fighting for justice
in this system. Heard from reliable sources that MPI's paid professionals
giving opinions favoring MPI are less than ethical. While I would never
advocate violence, I come closer to seeing how someone could be driven to the
point of desperation. I understand the frustration and hopelessness.
It's a broken system. We are not believed until we prove our claim, and we do
not know how to do that. MPI decides what is relevant. Change is needed. But
what is the best way to get it? Do we all write to the people responsible for
MPI, and share our stories? If nobody speaks up, nothing will change. If we all
speak up, someone, at some point in time, must listen. Maybe it won't benefit
us with our current claims, but it will benefit our children, friends,
relatives, or neighbors. |
|
| Against MPI | December 24, 2010 11:00:32 AM |
| This is in response to Jim:
In your statement you said that if MPI paid for more claims then tax payers
would be expected to pay for the increase in claims. Are you kidding me??????
You are not telling everyone how much MPI makes per year in profits from us
paying insurance. We are really aren't allowed to claim so MPI does what ever
they want with the money they make. Vehicle repairs seem to go relatively
smoothly (of course there are going to be situations where this is not true);
however, MPI does NOT pay for Bodily Injury claims. Getting MPI to pay
anything for physical/mental injuries is impossible. If MPI paid BI claims
like a non goverment insurance company does due to legal requirements, MPI
would not be making millions and millions of dollars in profits as they do no.
MPI is gov't run. We pay for our own insurance to this gov't fun organization
and MPI should be obligated by law to use the money they collect to pay
claims. With all the money they make each year in profits, while injured
people go bankrupt or lose their houses, they should not have any right to
donate any of it to universities or other gov't run organizations. They should
help people who are hurt or die instead. Private auto insurance companies
charge more premium than MPI but what people don't realize that those private
insurance companies pay for BI claims. MPI doesn't. The refund that MPI gives
back is only because they are forced to give car owners money back every year.
The refund should be more than just $15. With the amount of money they make
our refunds should be in the hundreds/thousands. Also keep in mind, the way
MPI is set up good drivers pay premiums for a lot of bad drivers. Surcharges
and penalties assessed against bad drivers does not equal that of private
insurance companies. Unless a person has a lot of knowledge on how insurance
companies operate, save comments like yours for another website. MPI is
corrupt. I suggest that you do a little more research on the differences
between MPI and private insurance and how insurance really works. |
|
| wayne | December 22, 2010 10:30:45 PM |
| Well, went to a meeting at MPI with the wife the other day. Got to talk to
some big wigs. I asked whose job it is to gather information to help your
claim, and he said it was 50/50, so in other words, if you are in an accident
and end up in a wheelchair, you have to wheel yourself around town and fight
MPI. Maybe a good way to show MPI for what they are is to demand full
disclosure..ie.."we will only fix broken bones, whiplash or any other chronic
pain you may have for life, we do not cover". If the public was aware of this,
they may have something to think about.
Also, do not hesitate to take a microphone to your meeting, as all of their
rooms have audio and I believe visual as well, which they do not hide. If they
are taping you, do not hesitate to tape them.
Anyhow, hope everyone has a good christmas, and some relaxing holidays. |
|
| Parvez | December 22, 2010 3:40:08 PM |
@ against MPI: This is an excellent encouragement to those, who have been going
through $%!#* due to misuse of power and monopoly on the part of MPI.
There must be a united struggle for common cause. As this way, every one can share
it's bad experience with one another and could gain some awareness to continue
one's cause.
Wayne and Adrian are definitely contributing efforts to educate others in forming
a group in search of finding a light at the end of a tunnel.
Therefore, any idea is only good until there is action behind it. |
|
| Against MPI | December 22, 2010 12:44:46 PM |
| Hi Everyone, I have had 5 not at fault accidents. In these 5 accidents there
were at least 4 written off vehicles one of which was mine. I read everyone's
story and it is proof that we need to keep moving forward as a strong group and
voice our concerns so that we can someday say that we played a part in
revamping MPI. Why don't we fight to help others who have NOT YET been in an
accident? Why are we only thinking of ourselves? Is this the way humans are
suppose to be with each other? I struggle every day to get up in the morning
and go to work. I have a wonderful husband who supports my fight to change how
MPI does business. There are plenty of people who can't fight themselves due
to their injuries or do not have the support system that some of us fortunately
have but we need to keep trying to fight the fight. One foot in front of the
other. Adrian and Wayne have been dedicated to the cause and we need to thank
them for their effort. The support group was designed for people to get
together and help each other. Do not just give up. One day a loved one of
yours will either get hurt or killed in an accident and you will wish you would
have done more to change the system. We can't be selfish and only think about
ourselves right now. MPI is a well oiled corrupt business who makes millions
of dollars a year at our expense. There is nothing for us to be scared or
worried about. I wish you would realize this before saying that you are done
fighting.... |
|
| Against MPI | December 21, 2010 12:35:55 PM |
| Hi Phoebe !
MPI has already denied your claim and is forcing you into the internal review
hearing appeal process which means you will be 99.9% denied. You need to give
the internal review officer medical proof that you did suffer whiplash and you
can give them reports and medical letters etc supporting your injuries. Do you
have a witness from the bus? The reason MPI is doing this is so that they can
deny as much as as fast as they can. The reason is that it now makes you 100%
responsible to try to figure out what is wrong with you, find a doctor or
doctor to treat you, for you to rehab until you feel well and during all of
this you will be forced to guess what medical information MPI asked for, what
they did not ask for, what they are omitting on purpose so that it shows as if
you do not have a legitimate claim. Your next step after that is with the
Appeal Commission which is 3 people paid by the gov't to uphold MPI's
decisions. It is almost impossible to win anything when you are at that
level. If you are, then you need to get medical documentation asap otherwise
you will lose. They do this on all claims. If you are at the internal review
appeal process, ask your case manager to give you a copy of your file (make
sure nothing is deleted). Then contact the Manitoba Vehicle Accident Support
Group (via the internet) and I can help you with your paperwork. I will show
you what you need to do and prove to you how they are getting away with denying
your claim. They should not deny your claim until all the medical information
on your injury has been obtained which looks like it has not yet been done.
How can they deny your injuries when you are still in the investigation
process? Please feel strong and confident about your injuries and don't let
them force you into the appeal process. The MVAS Group is there to work with
people that are having problems understanding their claims. Adrian runs the
site and I am a member who has had 5 MVA's myself, severe whiplash injuries,
migraines and was unemployed for 2 years because of my injuries. I am very
aware with all the games they are playing. If you start now, it will be
beneficial for you in the long run. Ask for help. We are here for you. |
|
| Luke | December 20, 2010 8:59:43 PM |
| Phoebe, Just to be certain, I presume that by "hearing", you mean an internal
review hearing? Am I right? |
|
| Phoebe | December 20, 2010 3:46:05 PM |
| I was told by MPI that there was no evidence that I was in a vehicle accident.
I was riding on a Winnipeg Transit bus. I was getting out of my seat and the
driver suddenly slammed on the brakes causing me to hit my head on a metal
pole. I now have to see a neurologist and get an MRI. I did manage to get MPI
to give me a hearing date for next month. I do not know what to expect. Any
suggestions before I go? |
|
| Carlyn | December 19, 2010 5:03:10 PM |
| I did not mean to depress or tell others to give up. It has been a particularly
rough year and I am struggling just to keep putting one foot in front of the
other these days. While it's not a good time for me personally to get involved,
others should make their own decisions. Adrian is right. Until someone takes a
stand things will continue as they always have. |
|
| Adrian | December 19, 2010 1:17:00 AM |
I sent this out in response to an e-mail but just thought I would post it again
here since it seems appropriate:
Hello Wayne and others,
Il'd like to say not to give up but I understand where you are coming from and
appreciate everything you have done so to each their own. However, I think
anyone who is still hoping for something to change has to know going into this
that it's not something that will happen overnight. It's a long process and
things will move slowly but that doesn't mean people should just give up because
that's exactly what those who came before us did and that's why we are here today.
To all those heading in different directions, all the best, and to all those
continueing with this, hope to hear from you all soon. |
|
| John Smith | December 17, 2010 11:53:24 PM |
| Okay, I hear ya. You've even got me depressed now. I'll sit down and have my
stale bread too. Sorry guys, but I'm done. Obviously there isn't enough people
that care to make this work. And not picking on you Carlyn, alot of people have
said that in the past too. Was hoping to move forward with at least 50 people,
but only have around 10 after a month, and don't know where to get more people
from.
If MPI reads my posts I was just joking. My name is John Smith, and I love
public insurance and aspire to work there some day. Good luck with your claims
guys, and have a good christmas. |
|
| Carlyn | December 17, 2010 9:50:55 PM |
Isn't it a given that MPI's employees and so-called independent advisors twist
the facts, hear what they want to hear, and disregard the rest? That allows
them to use our words against us, to justify unfair decisions. How are we
supposed to prove something that is not measurable? Why don't they have the
burden of proof? The legislation is one-sided, and they have no interest in
correcting the imbalances to provide a fair system.
Even at Fair Practices and Internal Review, one quickly realizes it's just
another level of the same unreasonable nonsense. Not at all independant of MPI
if they're consulting with MPI's case managers and consultants before making a
decision, and sweeping under the rug (not mentioning) anything that might shed
a bad light on the decisions that have been made.
MPI says "prove it". They count on us to give up, and that's what we do. It's a
self-supporting system, and it's working very well so far.
Yes, Wayne, many of us have laid down and are crying "uncle". Providing the
necessities of life for our families has become more important than fighting
what seems to be a losing battle. We know that MPI monitors communications
online, and if we're fortunate enough to still be getting a few drops of
benefits, we're smart enough to realize that biting the hand that feeds us,
regardless of how stale or pitiful the bread is, is an unwise decision until
AFTER we've been fed.
I like living in Manitoba, aside from my terrible experience with MPI. As long
as I live here, I realize that I may need their help (such as it is) in the
future. And while I sincerely hope that the system changes for the better in
the near future, I see rallies and vaguely worded petitions as less worthy of
my time or effort than the activities of daily life I AM still capable of doing. |
|
| Luke | December 17, 2010 9:08:08 PM |
| I think that the woman featured in the recent CKY news story is suing MPI for
$1,000,000. You can't sue MPI for injury claim benefits. You can sue MPI if you
think that MPI's adjusters, managers, executives, lawyers and doctors jerked you
around. |
|
| Lanna | December 17, 2010 4:02:57 PM |
| No, we sign away our right to sue other drivers however MPI can be sued. Malfeasance for one, perhaps
other things depending on the specifics. |
|
| wayne | December 17, 2010 3:22:38 PM |
| @ Lanna ...sorry I didn't know. I was responding to Dans question, so he is
allowed to sue the person from saskatchewan that hit him? So many people have
said you can't, but you're sure he can? |
|
| Lanna | December 17, 2010 3:09:09 PM |
| Please stop saying MPI can't be sued. They can. I am doing it. They are required to follow the rules and
the law. Sometimes, as we know, they don't. |
|
| Wayne | December 17, 2010 9:18:29 AM |
| @ Dan--I haven't been in an accident myself, but from what I hear, you are not
allowed to sue. Apparently Manitoba is a communist country where your rights
are dictated to you. Is this why I went to Afghanistan, to give others freedom,
while we are dictated to at home?
Cmon people, I need some really sad stories. Yer like a bunch of dead ducks
here who have given up. How long will it take to write a couple of paragraphs
and send it in to Adrian's web page? Are any of you who I have not met yet,
willing to do rallies in the spring? Is there any fight left in any of you?
We have about 10 people who are willing so far, and if you want to throw your
hat in the ring, send your contact info to Adrian's link on here. Would love to
meet as many of you as possible at our next meeting. I'm going to start hitting
other web sites, as I guess I have to realise some people would rather not just
be involved. Thanks for your time. |
|
| Dan | December 14, 2010 12:39:36 PM |
| My name is Dan and I had a accdent in saskewan and was told that I could not
sue the people from austrialie and bc. I went through all of this and for ten
years i have had two surgeryes and one more comeing. I have been termanated
from them because of the words I used. They said I did falsley miss lead them.
I was told by the there doctor that if I could prove that I really was injuried
the way I said I was they would reconsider it. Fat chance my first appeal went
there way and I choose not to do the second appeal which was a mistake i see.
But the lawyer I had was a joke the lawyers were freinds and there lawyer even
told him what to say and not to say. Is it true that if we are in accadent out
of manitoba i have no rights to sue? I was not living in sackawan and they have
no fault insurance also is this true? Dan is there no hope |
|
| Parvez | December 10, 2010 11:31:16 PM |
There is another example of misuse of power and unfairness on the part of MPI, is
that MPI could destroy anyone's life, by using one sided clause, namely " False
statement " which means due to monopoly hold on several aspects of control over
Manitobans' lives, the management can terminate any permit holder's capacity of
functioning indefinitely.
But how come when MPI release a " False statement " as a reprisal, against
claimant to the Appeal Commission, which is later on, proven and acknowledged to
be " False ", but can get away without any recourse, even after the claimant's
concern being brought to the Justice Minister, who is also head of MPI ?
This is prime example of aggression of MPI. |
|
| Against MPI | December 10, 2010 4:53:53 PM |
| Adrian, that is great. That is exactly what we need to do. Right now people
are saying "Oh have you heard? MPI is giving us a rebate on our insurance.
Isn't that great?". I say "NO" not really because what is happening is that
MPI is making too much $$. They don't pay BI claims. MPI is actually forced
to refund some of their profits back to us because of that. I am glad that
they got caught but their refunds is not enough. Refunds don't fix the
problem. They save so much $$ by denying claims of people with physical and/or
mental injuries. If MPI actually paid claims like a good and reputable
insurance company would do, then their profits would not be as great as they
are. I agree, all insurance companies want to make a profit. They do that by
charging premiums and reducing claim payouts. MPI is a gov't run insurance
company so what gives them the right to make millions and millions of dollars
annually? They should be forced to re imburse people's expenses if they are
hurt in an accident. What makes MPI think it is ok to deny people's medical
expenses and loss of wages? Why does MPI think pain and suffering is not a
legitimate claim? Why is it ok for MPI to paint people as crazy when in fact
they are just in so much pain and are so stressed that they actually have PTSD,
depression and/or an anxiety disorder? MPI should take into account people are
going bankrupt and getting more and more depressed because of MPI's corrupt
ways. Dealing with MPI is a nightmare and it can drive a person crazy (just
having to deal with their corrupt employees is a chore in itself). When a
person is injured it is very costly and time consuming to recover from the
injury. MPI can not treat injured people the way they do. Private insurance
may be more expensive but give people a choice and educate them at least.
Manitoban's are not given the choice nor are they properly educated. We need
to stay strong and fight for the ones that can't fight for themselves. We need
to fight for the ones that have lost a loved one or who has suffered an injury
themselve. This is a serious issue. I am very proud of our group and what we
have achieved so far. Our group knows that some of you are too stressed or too
injured right now to be an active member but Adrian is right, we can all share
our own story. Everyone has a voice. Everyone has a right to be heard. MPI
can't continue to treat people the way they do. |
|
| Adrian | December 10, 2010 11:53:42 AM |
For those who listen to Power 97 in the morning, I was able to get a quick 30
second plug for the support group this morning on their "Stories we missed
section".
I asked if they had covered the Attorney General introducing mediation for MPI
claimants because it was found that there was problems and MPI was most hated
corporation story that occured earlier this week.
They said they actually weren't aware of it so I brought up the fact that the
Attorney General Andrew Swan is also the Minister of Justice who is actually in
charge of MPIC so it was hypocritical of him to put on his Attorney General hat
to deal with the issue when he should just keep on his MPIC hat and admit that
there are a lot of complaints and problems with the current system and that
they will try to address the issue. (They of course made the joke that he's
argueing with himself)
And then I quickly plugged the website to tell them there there is a support
group out there for people to talk to and to get their stories out there. |
|
| raymond cockle | December 10, 2010 8:23:03 AM |
| I.E MPIC TACTICS WAS INJURED IN A HEAD-ON ACCIDENT HAD ALL THE MUCLES IN MY LEFT
SHOULDER AND NECK AND SHOULDER TORN ,PLUS WHIPLASH DID THE PHYSIO THERAPY FOR A
YEAR .AT THE END OF THAT TIME I WAS TOLD TIME TO GO BACK TO WORK .WHEN I ASKED
WHAT WOULD HAPPEN ABOUT THE CONSTANT PAIN I WAS TOLD PROVE IT . that was over
ten years ago have had the pain and moblity problems ever since!! they basicly
just dont care they get to do whatever they wan,t to do there word is law! then
to add insult to injury you are told you are not allowed to sue them ! as far as
i am concerned these tactics are no different than that of a communist country
DO AS YOUR TOLD!!!!! and that is the end of it then you are put on the list !as
a trouble maker to have nothing to do with . |
|
| Jim | December 9, 2010 10:57:45 PM |
I agree that people who suffer serious bodily injuries also suffer many other
ways including financially whether it is MPI or WCB, as both operate very
similarly. However, the fact of the matter is MPI and WCB are insurance
companies. Just like with private insurance companies, the only way they can
continue to operate is if they take in more money than they pay out.
Both MPI and WCB do not compensate for pain and suffering, loss of quality of
life, etc. If they did (assuming you could actually put a dollar amount on
these things), they would be paying out significantly more than they do now and
then more money would be needed from taxpayers to be able to continue to
operate.
These systems have many flaws (understatement), but believe me, private
insurance companies are probably not much better. |
|
| Adrian | December 9, 2010 9:39:06 PM |
Still need people to submit their stories so I can get them on the website and
others can see how many of us have MPI horror stories.
Please submit them to Contact.MVAgroup@gmail.com or through www.mva.freeiz.com |
|
| Against MPI | December 9, 2010 2:51:29 PM |
| MPI needs to be stopped. The only way to do it is for all of us to get
together as one big group. We all have stories. Some people have greatly
suffered financially, physically and/or mentally. We have a legitimate support
group starting up. This is a new avenue to stop MPI. The power may be in
numbers. If we can all come together as one strong and educated group we might
stand a chance. Wayne and Adrian plus a few others are really trying to get
this group off the ground. I really hope that we can all join together as one
strong group to fight MPI as the company is evil and corrupt. There are very
few who can say that MPI went beyond the call of duty on their claim. I think
the majority of us got and still are getting treated horribly. Please don't
just vent.....please use your energy to do something about it instead. |
|
| Deadmeat | December 9, 2010 12:46:40 PM |
| Lana, agree with you that MPIC should have to reimburse you for your lawyer
fees,given the fact that you won your appeals and proved MPI'S case manager
decision was a joke! It is disturbing to me that is not the policy in place
since you had to spend that kind of money to prove your case and which you
could have used that money towards your child's college education! It should be
awarded back to you since they were proven wrong! My 65 year old friend went
through the same process and cost him $37,000.00 in Lawyer fees and his share
of the terminated IRI was $28,000.00! Now I find that this man has been
victimized again by MPIC after waiting 6 years for his appeal,and then to lose
half of his retirement nest egg to legal fees! He won his case and yet he loses
again! Nice system, MPIC WINS AGAIN! |
|
| James Rowe | December 9, 2010 12:33:15 PM |
| CTV Winnipeg - Project to offer mediation to help settle MPI claims |
|
| Deadmeat | December 9, 2010 12:15:21 PM |
| Luke, it was at supper time on ctv or the channel 7 news! It was about thee NDP
Government supplying us claimants with a Mediator who is suppose to help
process long unresolved appeals against MPIC AND ITS CLAIMANTS! I am just left
wondering who is going to pay him for his services and i bet it will come from
mpic pocket along with the rest of them! |
|
| Deadmeat | December 9, 2010 12:03:40 PM |
| I feel that once again the Medea has portrayed us as money hungry individuals!
It was disturbing to me to listen to those people whine{at the chiro
office),and i found myself having to explain to them what Mpi has done to a
majority of claimants! I told them about my experience and the bull $%!#* they
are allowed to do to us while we are forced to wait years for a chance to argue
our case managers decision!Although i agree that the media is probably the best
way to show our stories to the rest of Manitobans, it clearly needs to show the
physical hardship and financial ruin Mpic so easily trusts upon it claimants!
Also i am pissed off that Mr Swan did nothing to change MPI's policies which he
is well aware of their shortcomings,but rather impose a mediator that doesn't
change a thing on MPIC SIDE! We need a politician with a back bone who will
make changes on MPIC'S No Fault Insurance Act! It is not Going to be a very
Merry Christmas for most of us once again! I am personally very tired of this
mpic monopoly! |
|
| Lanna | December 9, 2010 11:50:01 AM |
| Legacy and ARCC...famous for being in MPI's pocket....believe the term is "Juke-Box-Doc". Insert your
nickel and they'll sing any tune that is requested. |
|
| not a yellow dog | December 9, 2010 11:43:04 AM |
| Sasha, I think many of MPI's medical consultants, including three that you
cited, have come from Legacy Sports Clinic. If you find that problematic or
suspect then contact Mavis Taillieu, MLA Morris, Conservative Critic for MPI.
Maybe she'll essentially ignore you as well. |
|
| Luke | December 9, 2010 11:29:09 AM |
| Deadmeat, missed the news, can you please tell me what channel and when? |
|
| Deadmeat | December 9, 2010 10:36:40 AM |
| I know that I said a while back that i was not posting any more comments,but
afther seeing the news last night,i cannot calm down! What the $%!#* did you
listen to them go on about MPIC's heavy weight title of THE MOST HATED
CORPORATION in Manitoba! Did you notice that the news chose a couple who had
already reiceived $47,000.00 and where now sueing for a Million! Am i the only
one who thinks it was a bad portrale of most MPI victums!I went to my
chiropractor appointment this morning and the people were commenting about the
story and most of the comments where that this couple and all of MPIC CLAIMENTS
WHERE TRYING TO GET RICH OR WIN THE MPIC LOTTO!!!!!!!!! I sympatize with this
couples claims for proper compemsation but the news should of had someome like
me or Sasha's husband who did not receive any LUMPSUM payment for our
deveststing injuries and that MPIC IS FORCING US TO RETURN TO WORK ON
NARCOTICS! |
|
| mediator, schmediator | December 9, 2010 8:22:20 AM |
| Sasha, i urge you to contact Wayne. His email address is some recent previous posts. |
|
| Wayne | December 9, 2010 8:04:42 AM |
| Yaaah, the Attorney General steps up to save us. This is great news for all of
us. It's about time the Attorney General aka The Honourable Minister of
Justice, steps up to bat for the claimants. Now if only he would go the step
further and take the Minister of MPI to task for his pathetic manner in dealing
with claimnats and ruining their lives. Thank you Mr Swan, Attorney General,
Justice Minister for taking on Mr Swan Minister of MPI. Oh, my apologies, I
forgot to put honourable in there.
How can this even be reported in the news without the announcer laughing? It's
almost like this is a big joke to the government and they are saying "we are
all powerful and you are nothing" probably because they know people will just
keep bitching on sites like this, but won't band together or go to rallies. MPI
has won :0( |
|
| Sasha | December 8, 2010 11:58:59 PM |
| Sorry i guess i pressed the wrong button,i was not quite finished yet with my
post! As i was saying,the government did nothing with MPIC'S abuse towards its
insured victims And allowed them to run wild! They should be held accountable
for not responding for the years they abandoned our cries for help!I have
watched my husband reduced to a Drug induced shell of his former self because
of the injuries/pain he has been forced to endure for years after his MVA. I am
distressed that MPIC wants him to return to work in this condition!He is on CPP
DISSABILITY benefits because of his injuries and his quality of life is greatly
diminished!We have been put through $%!#* waiting for an appeal now for almost a
decade and we are losing our home,our credit,and finding it hard to put food on
our table! I was forced to return the workforce since my husband could no
longer be employable and MPIC terminated the majority of his IRI benefits! I am
appalled at the lack of compassion and accountability MPI has shown its
claimants! I agree with an earlier post on this site,stating that government
should force MPIC to continue to pay a claimant's IRI while he is waiting for
an appeal and i agree that our family would not have waited a decade for the
appeal to take place! You have to remember that a case manager makes the
decision on your claim and I don't see a MD or a DR IN FRONT OF HIS NAME so who
made him more credible that your specialist and doctors!Perhaps if we could at
lease make them have to pay while waiting for the appeal it wouldn't take years
and we could at least not lose the Life we were living! sorry just wanted to
vent out some frustrations,thank you for the ear! |
|
| Sasha | December 8, 2010 11:00:19 PM |
| Let's not get our hopes up people! This Mediator will soon be in MPIC'S payrol
soon enough, along with Dr Hoy,Dr Shrom,DR MCKAY,DR CRAYTON To name a few of
MPIC'S hired ''GUNS''. It was not amused to see the politicions on the news
accknoleging that MPIC is the most hated Goverment Corporation on record!Rather
I was very angry knowing that they have been flooded with horror stories from
victums like you and me and did nothing about MPIC'S |
|
| wayne | December 8, 2010 10:10:39 PM |
| No i understand what you mean Lanna. It would cut out alot of MPI's BS. They
are not going to screw you over if they had to pay the legal costs as well. I
think that will be one of my main points if I carry on with this fight. |
|
| Adrian | December 8, 2010 7:01:26 PM |
First of all sorry to hear about your accident as well Derrick and thank you for
the reply.
If your nose was broken I'm guessing you probably hit your head on the steering
wheel? Did you have a concussion or lose consciousness for more then a few
minutes? (a lot of people will often be in and out of consciousness after the
accident, like myself where I mostly remember waking up in the hospital). |
|
| Derrick | December 8, 2010 5:45:54 PM |
| No just scars on my face and forearm and broken nose, and bsome lose of feeling
in my face. |
|
| Adrian Halpert | December 8, 2010 5:23:49 PM |
Derrick,
Without asking to post too much personal information, do you mind if I just ask
you if you had any other injuries in your car accident or if the majority of the
injury was just scarring?
One of the things that surprised me was actually the fact that scarring pay-outs
are pretty much on par with actual permanent impairment which is why I had no
issue with the amounts paid for my scarring (other then the one's they missed
and I had to get the person from their mobile assessment to come out and
re-measure that I'm still waiting to hear about) but why I feel that the same
rates are much too low for actual impairment because I place a lot higher
importance on my actual livelihood and mobility then I do on small appearance
changes in my leg. |
|
| Derrick McLean | December 8, 2010 4:55:51 PM |
| I have no complaints about mpi, they were quick and gave me a more then fair
impairment payment for my scarring. Much appreciate our system we have. very
grateful. |
|
| Lanna | December 8, 2010 3:46:06 PM |
I don't agree they should pay costs for everyone who challenges them. And I was specifically referring
to legal fees not court costs. AICAC has no "court costs" but I have certainly incurred legal fees during
the variety of hearings required to get "the benefits to which I am entitled" under Section 150, among
other Sections. MPI has consistently lost but I have received no reimbursement of my legal fees. MPI
seems to be of the philosophy that 9.5/10 claims are fake or involve malingering. Hence they treat
everyone as such. Seems fair to me that if they want to paint everyone with the same brush they ought
to compensate those who they "accidentally" accuse in error. They have made a variety of case manager
decisions and internal review opinions over the years, since they were obviously wrong, why should I be
out 6 figures in legal fees?
If a person has confidence in the fact that they are 'right' and are meeting close-minded inflexibility
from MPI thereby forcing them to hire a lawyer to receive what they KNOW to be entitled to receive then
MPI should have to pay if that claimant is successful. It would weed out the supposed malingerers
because who would risk incurring legal fees if they knew deep down they were going to lose. |
|
| wayne | December 8, 2010 3:10:23 PM |
| That's a good one..if they had to pay court costs, they wouldn't screw anyone
over, so doubt it would ever happen. Sure sounds like a catch all (besides pain
and suffering) to me. That's what our petition should read.
I'm goona write that one down and submit, but it does make too much sense to
be accepted. |
|
| Lanna | December 8, 2010 1:33:31 PM |
| Good to hear Wayne, as for the "news" from Swan...sounds like a weak attempt to politely coerce claimants
into agreeing to being screwed. Maybe MPI should be legislated to reimburse a successful claimants legal
fees...I'd certainly vote for that. |
|
| wayne | December 8, 2010 1:03:36 PM |
| Okay, just heard on the news that the Attorney general is starting a mediator
office to help people get resolutions with MPI. As we all know, this probably
means we will just be told "NO" faster than before.
On another note, I have email CJOB to see if they can announce the petition on
the radio and gave the Motor Vehicle Accident Support Group it's time to take a
stand site or my own email address. Hopefully the MVAS group will get this
going. |
|
| Lanna | December 8, 2010 9:49:18 AM |
| Perhaps, if Hugh is serious, he can arrange for those of us being abused by MPI to go down in pairs
to the Legislature and each present 5 minutes of how our life has been completely decimated. I
know that Hugh and a number of other politicians know that I have personally spent far, far in
excess of $100,000. on legal fees. AICAC has, in each of the Decisions, noted MPI serious
shortcomings (to be polite). An investigations officer from the MAnitoba Ombudsman read my first
AICAC decision in December 2004 and said "this is the most damning AICAC decision I've ever
read", assured me that he would look into it more...6 years later, nothing has happened except 2
more AICAC decisions repeating the findings of the first AICAC decision. Get it ? Nothing is going
to be done, MPI rakes in too much money for our sleazy government. I have no choice but to
surrender helplessly to the whims of these sociopaths. My case is so screwy that I can't understand
it without a lawyer. I have had to foot the bill to the tune of tens of thousands of dollars for AICAC
to determine its own jurisdiction. This system is broken. Hugh doesn't give a rats tail. No offence
Adrian, I sincerely appreciate your optimistic attitude towards things but truthfully as someone who
is a little older and has been at this a wee bit longer (12+) reality must prevail and the reality is that
someone agreeing to CONSIDER....possibly, maybe, at some point, if they get to it, have a look-see
and get back to you....is nearly useless. You have youth on your side, so go for it. I had youth on
my side too, 12 years ago. Hugh and every other politician are cowards. Great big cowards. |
|
| Wayne | December 8, 2010 9:48:37 AM |
| Sorry, forgot one key piece to my last email waynefranklin@mts.net |
|
| Wayne | December 8, 2010 9:40:07 AM |
| Yes, I think we can all agree that it sounds a little weak, but I personally
didn't expect much from Hugh. I wrote him a few emails talking about sweeping
changes to MPI, (and I even clarified I did not want to dismantle MPI, as it is
their cash cow) and didn't get a response back. None of them want to rock the
boat.
The petition can still be a valuable tool though. I have a plan, but am very
leary airing them online. Am looking at hosting another meeting of the MVAS
group shotly after New Years. Am looking at a new concept of, conduct business
right away; then afterwards, maybe having one or two people tell their story. I
know alot of you want to be heard, and might help knowing you are in a room
with people who share the same concerns. But, we have to get people out at the
meetings, as it is time for action. I will not be putting my address out on the
internet though, so if you think you want to attend, send me an email, and I
will get ahold of you to let you know when and where. Could be a very excitng
year folks, but we need all of your help. |
|
| Luke | December 8, 2010 8:59:41 AM |
| Adrain, I agree with Carlyn and Lanna. You may put a lot of effort and hope into
something (the petiton) that at the end of the day may not fly. It may sound
like a real downer, but cut your losses right now and shelve the petiton.
We'vall made mistakes. Instead, how about aproaching Hugh and raising real
issues that affect real claimants right now. See if Hugh will care about the
injustices that are going on at MPI and if Hugh will actually go out on the
political limb to help the victims of MPI "justice". The day that Hugh actually,
really starts to support the victims of MPI "justice" will be the very day that
this wesbsite and your website will be delueged by hundereds of other MPI
claimants seeking justice. but until some politician down on Braodway has the
guts to stand up for MPI cliamants, it will be a slow,hard and maybe frutiless
grind. |
|
| Carlyn | December 8, 2010 8:02:38 AM |
I have to agree with Lanna. I had hoped that there was a more detailed version
of the petition asking for more accountability in a number of areas. Are the
words on the signing page of the petition the full extent of the request? It's
too vague.
The only item specifically addressed is compensation for permanent disability.
Asking for more concrete changes gives them a focus for their review. If all
we're asking is that they review the system, and we're not telling them where
we find it deficient, we land in no better place in the end.
@ Adrian: Good life philosophy. Not naive, but not heardhearted either. |
|
| Adrian Halpert | December 7, 2010 10:21:17 PM |
Thank you Lanna, everyone who prints it out and collects signatures helps or
even anyone who only signs themselves, everyone counts.
I guess there are two reasons why I have faith not necessarily just in this
petition but rather in the idea of the petition. The first is that I tend to
give people the benefit of the doubt even if I get burned by it. I would rather
give 10 people the benefit of the doubt and be wrong then risk turning my back
on even one person who is being genuine. It's the same way that I treated MPI
and it is the same way that I treat Hugh. It's a concept that will often get you
burned but if I treat people as guilty until proven innocent then I am no better
then MPI.
The second reason is that in terms of myself I view every single action I take
as a makeshift project, so if people view this petition as a make shift project,
then it's just another one I plan to take on. To explain, this belief equates
with whether I think things will change or not as a result of my actions. That's
not saying that I don't think things will ever change or that they won't change
in my lifetime, BUT I don't think they will change in terms of my case. I know
how long it takes for change to take place and I know that if anything is
accomplished then it will probably be too late for it to matter for my case.
But, that doesn't mean I can sit idly by while something which I know is
obviously wrong is happening because if I do then the same thing will just
happen to the next person, and the next person after that. |
|
| Lanna | December 7, 2010 10:00:23 PM |
Adrian, I get it, sounds like a make work project. The concept is honourable but the likelihood of any
positive change for those being abused by no-fault insurance as administered by MPI, is remote. I know
all too well that sitting and doing nothing doesn't feel very good but at the same time I wonder whether
Hugh is giving you lip-service and creating a project in the dead of winter? I am having a difficult time
believing that Hugh would make changes if he were in power. If Hugh can't stand tall on this how can he
ever lead this province? Selinger is about as popular as a mosquito so this is the opposition's opportunity
to stand up straight and have a little confidence, perhaps even speak out? While I'd like to give Hugh the
benefit of the doubt in reality why would he fight for MPI reform when MPI generates SO much money for
government?
Having said all that....I plan to sign it. |
|
| wayne | December 7, 2010 9:12:53 PM |
| I didn't swear in my last post, hinest. I said HE double hockeysticks...is
that a curse? |
|
| wayne | December 7, 2010 9:11:08 PM |
| Did you by chance read what you have to do to get rid of MPI altogether? A
province wide referendum? When the $%!#* has Manitoba had a referendum on
anything? They've set it up to be damn near impossible.
"Oh please govt, can you treat us like we're humans, and please don't screw us
over? Can I please be allowed to sue someone who has hit me, and permanently
damaged me? No? I can't because you're making to much money raping us victims?."
And they wonder why people don't want to stay in this province. |
|
| Adrian Halpert | December 7, 2010 7:29:48 PM |
Lanna,
I definitely understand what you're saying and believe me I agree with you. It
would be nice to have a petition that is written for definitive change and that
passes. But, what you have to consider is that these petitions get shut down all
the time when they try to do too much. Even still, the simple ones and even this
one have a high chance of getting shut down. But, by not asking for much we give
ourselves the best chance of not only having our voices heard but of actually
influencing some change. And if that becomes a possibility then all we can do is
hope for a snowball effect in policy change. |
|
| Lanna | December 7, 2010 3:27:14 PM |
Adrian,
A glaring (at least to me) problem is that sentence where "request the Minister...CONSIDER re-evaluating..."
I've been around long enough and witnessed enough useless garbage from the Manitoba Ombudsman, and
every other possible angle to know that "consider" pretty much means nothing. It can be
considered....determined to be inadequate....yet nothing done, because he only agreed to consider it.
Hugh ought to know this and if he is serious about making changes for the abused claimants, change the
wording to something that has a little more accountability built in.... Just my 2 cents. |
|
| Adrian Halpert | December 6, 2010 10:29:28 PM |
Thank you for the kind words Wayne. Making websites is a lot easier these days
and it's all trial and error but I am of course doing my best.
In other news, today is a somewhat long awaited day for me. I have received back
a final version of a petition from Hugh McFadyen and his clerks to have
permanent disability compensation rates re-evaluated. I have set a deadline of
28 Feb 2011 to get as many signatures as possible. I know that day will come
quickly but we all know we have to set deadlines and goals to make things
happen. This is not a personal petition. This is a petition for everyone to
print and get signatures for, then send me the pages and I will compile the
final product.
The petition can be found at the following link:
MPI Petition
Please take a moment to read the story and guidelines regarding the petition on
our website at:
Petition Guidlines |
|
| wayne | December 6, 2010 4:54:59 PM |
| Hi Carlyn, glad to hear you like what we're doing, and thank God for Adrian
and his computer skills. I would really like to discourage people from
the "wait and see" attitude. If we all do that, we won't have the numbers we
need. We need you, and everyone you know who has a beef with MPI, or who just
needs the stress release of telling their story. I'm keeping a list of people
we can call on for action, and we need to see that list grow to make changes
and be taken seriously.
This post is for anyone thinking about signing up. We all need each other.
Adrian has posted an email on the MVA site, or you can email me at
waynefranklin@mts.net Hope to hear from all of you soon, as we want to kick
this off in the new year in a big way. |
|
| Adrian Halpert | December 5, 2010 12:22:24 PM |
Thanks Caralyn, have been doing my best with it.
Unfortunately when I set it up I made an error with the web submission e-mail so
if anyone tried to send anything in through the website I didn't get it. This
error has been fixed so please send your stories in.
For anyone who missed it the first time, the website URL is
Motor Vehicle Accident Support Group
We also have message forums so please take the time to register. I know people
will be slow to be the first ones to register but hopefully it will pickup soon.
Also, to "American Death". Believe me, I feel for you based on everything you've
said. But when you word your posts especially on this website where most of the
people posting are those of us who have been injured and say "your province" or
"your system" it almost seems like you're blaming all of us. Believe me, we
didn't vote for this system. Most people in our province don't even know how bad
our system is until they actually get in an accident and at that point it's too
late. So I'm sorry to say if it's just the way you worded your post and not what
you actually meant but your issue is with MPIC (as is ours), not with our
province as a whole. |
|
| Carlyn | December 5, 2010 9:35:31 AM |
| To MVAS Group: Your website is coming along nicely. I look forward to seeing
what comes of your group in future months, and perhaps joining in. Will watch
to see when the next meeting is. |
|
| Carlyn | December 5, 2010 8:43:53 AM |
Legislation is subject to interpretation. MPI consultants and employees
interpret it to their benefit and close their eyes to the very real harm they
do to claimants physically, financially and psychologically by denying benefits
for legitimate claims. Sadly, there are people who invent facts and stretch the
truth to fit their needs, and to make money. And they realise that the best way
to stay in MPI employment is to find a way to save them money by denying claims.
Is it wrong of me to want certain consultants (like MacKay, who seems to think
that nobody is entitled to benefits unless they fit his extremely narrow
definition of the word objective) and case managers to have to go through the
process themselves in order to see the real harm that is caused by their
interpretation of the facts and legislation? I wonder what they would do. Cry
until there are no more tears? Cringe when they got an envelope from MPI,
knowing that the chance of it containing another blow is more likely than that
it contains helpful information? Feel completely frustrated and utterly
hopeless, knowing that they're doing the best they possibly can with the cards
they've been dealt, and that there's no way of proving their case in the way
that MPI consultants require it to be proven? Does MPI treat its own
differently than the general public when they are injured in an MVA? Do they
know the loopholes well enough that they can navigate the system more
effectively? I wonder.
Do these people shop in the same stores we do? Do they avoid public places for
fear of running into one of the thousands of claimants their opinions have
harmed? How DO they sleep at night? |
|
| American's Death | December 4, 2010 8:50:04 PM |
| There is NO relief! MY family has been through ENOUGH! Yet after 32 months of
torture we have been through, do you expect us to endure more? My husband and
children's Father of 25 years was killed by a driver working for the government
of your Province. He walked away by making a false statement although two
eyewitnesses have claimed the complete opposite of the driver's statement, yet
we are still going through your INSANE PROCESSS!!!! with your insanely
flexbible and incoherent laws. |
|
| frustrated | December 4, 2010 4:06:59 PM |
I was struck by a police car a year ago,my car written off,MPI has refused to
fix my car due to the fact that the police are claiming that I intentionally hit
them (though they were driving in the wrong direction on a one way and did not
even have their emergency lights on!!)
Besides the fact that MPI will not fix my car they have also demanded that I pay
over $6000 to repair the police car and have stripped my license from me and
have added a surcharge for an at-fault accident to my account for $400 even
though I've pleaded not guilty and the case has not even been to trial yet!!!
what is even the sense of going to trial?! They are thirsty blood suckers and
did not even investigate the crash to truly discover that my car was hit and did
not do any hitting!
I hear that there are companies that fight MPI in court,any suggestions!? |
|
| Lanna | December 2, 2010 9:31:27 PM |
| The similarities in the various complaints of people regarding treatment by case managers and IRO, if
analyzed by a statistician, would most likely, in my personal opinion, be found to be statistically
improbable. Given this, I would next conclude that it is likely purposeful. After all, if you find something
that works....don't you generally stick with it? Why would MPI be any different? |
|
| wayne | December 2, 2010 7:58:32 PM |
| Lanna, funny that you say that about your case manager as my wife just said
the same about hers. She filed a complaint in which she received a letter from
her boss saying that they thought she was doing a good job. You can only
interpret that to mean a good job not working. Good job taking a chiropractors
assessment over 2 specialists, good job in being so vague with questions to the
doctor they can deny you.
Unfortunately for me to take peoples stories, you would have to come to our
meeting or meet us in some way. Can't take a good story to someone that can
help, and not be able to corroborate it. We are trying to get people together
so our voice can be heard as one. Even if you would just like to help us with a
rally, please send us an email at waynefranklin@mts.net or go to the link
posted in my other comment for Motor Vehicle Accident Support group...sincerely
hope to hear from you, as will be easier for us all if we stick together and
share our experiences. |
|
| Lanna | December 2, 2010 7:54:25 PM |
Adrian,
You would no doubt get a laugh out of my first AICAC decision AC-03-109. In it, they terminated me, I
asked for clarification to understand what was going on OR appeal forms to initiate an appeal. The
COMPLETELY ignored me on both requests for a very long time, way past the window to appeal. Finally I
appealed anyway and they said "sorry times up".....well, read it if you are interested. Classic.
And by the way, you can sue them. I am. Malfeasance. Among other things. Anyone who is being treated
unfairly can do it too, if they have the money and time and patience and perseverance and, and, and.... |
|
| Adrian Halpert | December 2, 2010 7:16:56 PM |
Road Rage,
MPI cannot legally cut off your Income replacement without notifying you in
writing.
"Corporation to give written reasons to claimant
170(1) A decision made by the corporation in respect of a claim for
compensation shall be given to the claimant in writing, and shall include
reasons for the decision.
Claimant to be given notice of right to review
170(2) Where the corporation makes a decision respecting compensation under
this Part, it shall, at the time it gives written notice of the decision to the
claimant, give notice of the right of the claimant to apply for a review of the
decision. "
The reason they cannot do this is that their very act states that you have 60
days from the time of a decision to appeal.
"172(1) Except as provided in subsection (1.1), a claimant may, within 60
days after receiving notice of a decision under this Part, apply in writing to
the corporation for a review of the decision. "
This is the reason that any time you are given an official decision regarding
entitlements that is subject to the ability to appeal, MPI will send it by
registered mail and require you to sign for the letter they send you. It is a
"cover your ass" used by MPI to show that they have done their due diligence by
notifying you of a decision on a particular date (verified by the date you
signed for the registered mail) and that you are aware of your right to appeal,
and as such that an official decision has actually been made thereby actually
making you eligible to appeal.
If the decision is not given in writing along with a notification of your right
to appeal your decision then it can be shown that MPI did not do it's due
diligence to notify you of the decision and did not act in good faith. In
essence, even if it can be proven under their act that you no longer qualify for
income replacement, despite how wrong this decision is (which it often is), they
cannot legally cease it without notifying you. That's not to say that MPI does
not act as if it is above the law, even it's own legislation, because it often
does, but if everything happened as you say it did then I would seriously
consider informing MPI that they are required to continue to pay your income
replacement until it can be proven that you were informed of a decision, and
then at that point I would go on to appeal that decision as well.
Again, if everything is as you say then I would seriously consider hiring a
lawyer if only to write a letter to this effect on your behalf and to hold MPI
to it's own legislation. Keep in mind it's unlikely you would actually be able
to sue them but you may at least be able to legally hold them accountable
without doing so. The fee for having a letter written is often still a couple
hundred but depending on the income replacement you are entitled to it's still
worth it, especially if you can find a good lawyer who is also willing to work
out a fee based on results. |
|
| Lanna | December 2, 2010 6:29:43 PM |
Wayne,
Here is another story if you are collecting. These 3 AICAC Decisions sum up my story fairly succinctly.
You can tell the person who is reviewing these stories that I happen to be a single mom too, so waiting
SIX years to get my IRI owed has a rather profound effect. MPI Sucks....the most true statement ever.
AC-03-109
AC-04-125 AICAC Decision dated February 27, 2008
AC-04-125 AICAC Decision dated October 5, 2009
The last two decisions were related to an IRI termination in January 2004 when my son was just a few
weeks old....weeks, not months. I finally received this money in November 2009, but not until one last
"mistake" in getting the cheque to me. My case manager is a pathetic, pathetic, pathetic, incompetent
goof. Huge salary but many instances of "mistakes". Though perhaps it's possible he's paid to make
mistakes with the goal of hurting claimants and making their lives miserable. |
|
| wayne | December 2, 2010 1:21:47 PM |
Sounds good Parvez. Check out Adrian's hard work, looks really good.
Motor Vehicle Accident Support Group |
|
| Parvez | December 2, 2010 7:10:37 AM |
Hi Wayne: I will be sending you my story. You should read it thoroughly and if
there is need for any explanation on certain section of real life reprisal to the
victim, merely for standing up for constitutional legal rights enacted in 1982. I
could submit clarifications.
I have experienced that, if any ordinary individual with lack of resources, speaks
up against an aggression and an injustice, then that individual can expect all
kinds of hurdles and discouragement in form of unfair treatment by the system. The
system is designed to crush an average sufferer, and in most cases, people give
up. This is understandable that it is not easy to stand up for justice and cause.
But one should remember that giving up on mission is not the solution to any
problem, which have to be addressed until the fairness is achieved. |
|
| wayne | December 1, 2010 7:58:45 AM |
| Make sure I get your stories people. Will be needing them shortly after
Christmas. Kat's story sounds perfect, so if you read this Kat, could sure use
it. I will be taking them someone just after christmas, so please, send them to
me. |
|
| Timegoesby | November 30, 2010 11:19:31 PM |
| Hey Wayne,you should call your new group or web page ''EYE ON MPI'' or OUR EYES
ON MPI''. Lets make our voices heard and rock mpi's monopoly! |
|
| Parvez | November 30, 2010 9:56:14 PM |
Hi Kat: You should send your story of misery to "Wayne", as he is leading a group
of victims of MPI. You do not have to think of yourself, who is the only one
mistreated by the system. There are lots of individuals out there, have been
suffering as a result of unfair treatment imposed by MPI.
There is a need for raising a concern of mutual cause, collectively. That is why,
there is going to be a united group being formed to look into one
another'experience, while dealing with MPI. |
|
| wayne | November 30, 2010 7:25:42 PM |
| Hey Kat, you can send your story to me at waynefranklin@mts.net
We are getting a group together to support each other, and had a meeting the
other night. I am trying my best to help you accident victims, as a soldier who
defends people, I am disgusted that our own govt does this to you guys. I
honestly have trouble understanding the people that run MPI.
Send me an email if you want, the more people we have the better, and curious
to know how your story goes. |
|
| Kat | November 30, 2010 2:11:52 PM |
| Thanks for the quick reply I really appreciate it! I have no problem telling my
story in more detail,I was just a bit hesitant to do it because for all I know
it could be my useless adjuster pretending to be my friend on here!But I don't
think that's the case!I am going to look up George Funk in the phonebook,maybe
I will start with him.Is there an email address I can send more detailed info
on my story?Or should I just post it on here?Thanks again everyone,feels great
knowing I am not alone! |
|
| Against MPI | November 30, 2010 11:06:16 AM |
| Dear Kat, I am so upset to hear that MPI is not helping you. How can they do
that to you? With the injuries you sustained your case should be a open and
shut. People don't realize that in Manitoba MPI does nothing to help a person
if they are injured in an accident. People want things cheap but cheap
insurance generally means no coverage. Fixing a car is very different from
fixing a person. The sad thing with MPI is that they do make millions and
millions of dollars a year in profits. Instead of paying claims with that
money they donate it to universities, charities, etc. We don't actually know
where all the profits go to because their profits are hidden. They only report
1/2 truths to the public. They don't pay bodily injury claims. That means
they make millions of dollars on all the premiuims that they collect from us
when we insure our cars. They are a very corrupt organization. They pay their
staff very hefty salaries to deny claims (plus bonuses on the # of claims they
deny annually). What MPI spends in fighting claimants could be spent on
helping them heal from an injury. MPI is a well oiled corrupt machine. They
have no empathy for anyone that is injured. I used George Funk (Funk and
Strell) in the past. MPI owed me $17,000. in medications. They would not pay
me. 1 1/2 years later, I had to hire a lawyer. Not very many lawyers want to
take on MPI. George Funk and I got a settlement within months of him writing a
letter but he took approx. $4,000. from my settlement. I would not have rec'd
a penny had it not been for him writting the letter. What choice did I have?
Why should I have had to go into debt the $4,000. when the accident was not my
fault? If you want to share your story and hear stories of others who have
suffered the wrath of MPI, contact Wayne. Please don't feel alone in your
fight. MPI wants to belittle you and make you feel like you are crazy. They
make you feel like you are milking the system. They treat us all like crooks.
We want MPI to be honest about their corrupt ways. We want MPI to dissolve.
We want to have a choice on the type of insurance we can purchase in Manitoba.
Manitobans have no idea how bad MPI treats people with bodily injuries. They
don't realize it until they themselves get into an accident. We need to get
our stories out there so that people start fighting back. Thank you for
posting your story on this site. We are all here to help you. |
|
| wayne | November 30, 2010 10:14:01 AM |
| Hey Kat, sounds like you are getting screwed. Would love to hear your full
story, as with everyone else's, it s just sounds wrong what MPI is doing to
you. I don't know if there are any good lawyers..lol...seems like another screw
job to me. I can tell you one thing I have learned from lawyers, if they ask
for a percentage of your settlement for their fee, you obviously will win. If
they ask for $25,000 to argue your case, don't bother as the lawyer doesn't
think you will win.
Let's face it, we need private insurance. It sounds like your case should be a
no brainer, and yet they are fighting you, and the worst part is this is OUR
government. Let me know if you are interested in telling your story. |
|
| Lanna | November 29, 2010 8:27:37 PM |
| Kat,
The Claimant Adviser Office offers assistance no charge. You ought to have been provided with their
contact info in correspondence from MPI. If not ask your case manager or Google it.
If you prefer to pay a lawyer, my suggestion is to browse the AICAC Decisions which can be found
online http://www.gov.mb.ca/fs/cca/auto/decisions_10.html
Once you have the names of 3-5 possible lawyers you can then "search" the AICAC site to see what
types of Appeals they have represented claimants regarding, as well as whether or not they were
successful, etc. Just put the full name into search box and you should get a list. You can narrow it
down to choosing one that has experience with your specific matter. I think you can even search by
'theme'. Say, hypothetically, that you feel that MPI is not treating you fairly (as is their obligation) in
accordance with their Act, you could enter "MPIC Act Section 150" into the "search" box at the top of the
page and you will get reference to every other Appeal where that matter was raised. The AICAC site is a
great resource.
The upside to choosing from AICAC Decisions is that these lawyers will know the legislation already so
you won't have to pay to bring them up to speed on the details of the MPI Act.
Good luck. |
|
| Kat | November 29, 2010 6:36:06 PM |
| I was in a serious accident 4 years ago today involving two semis,the one whose
fault it was actually fled the scene. In the accident I suffered a brain
hemmhorage which has caused me to have both petit and grand mal seizures ever
since.At the moment I can still drive as it is controlled with medication but
it affects my life as a whole in the negative.Does anyone know the name of a
good lawyer? I been getting sent every which direction I understand it takes
time but I need someone else to stand on my behalf and just help represent me
to MPI.MPI already tried telling me I was not entitled to certain compensations
because the at fault driver fled the scene which turned out to be a load of
BS.Any help would be greatly appreciated. |
|
| parvez | November 24, 2010 11:22:58 PM |
There are lots of victims, who have gone through suffering by MPI(Monopoly
Public Insurance)and being realized that they can not do any thing against MPI,
because the staff know that an average claimant will cry for a while and give
up.
There is a need for awareness and unity on the part of victims to speak up
against an aggression and mistreatment imposed by MPI. The way system is
designed to force claimant become helpless and disappear.
An example of their wrongdoing is that, even the manager, who is considered a
very responsible position, can misuse its power by breaching own stipulations
formally released to claimant and easily get away with it. |
|
| Against MPI | November 24, 2010 2:57:06 PM |
| Carlyn, I know exactly what you are saying. No matter what you do or what
proof MPI gets, they will always deny and turn the tables on you the injured
person. MPI states that "An injured person can not profit from an injury" but
is it ok for an injured person to go bankrupt or go on welfare because of an
accident? How is that fair? People in Manitoba really need to be aware of the
fact that if they get hurt there is little financial aid provided to them by
MPI. MPI keeps the money they collect for licencing our vehicles and they
don't pay out for scans, medications or treatments to get better. They pay
their employees extremely high salaries. MPI then expects injured people to
use their benefit plans through work, get treatment through MHSC (Manitoba
Health) or through what few gov't plans are out there that a person can claim
from. MPI makes the money and passes the expense for rehab on to other gov't
plans. Why would MHSC or private insurance companies not fight back? Why
should my work health plan pay for my drugs when they should be paid for by
MPI? For those people who can't work and don't have plans how are they to pay
for rehabilitation? I agree. MPI uses their legislation to make even more
profits for themselves while the little guy like us go bankrupt. If taxpayers
actually know how their tax dollars are being spent, I bet they would not be
happy with MPI as well. Manitoba Health does not have enough money in their
budgets to cover car accident victims. I think the whole system we have in
Manitoba is a disgrace. Hang in there. Hopefully one day things will change. |
|
| carlyn | November 24, 2010 12:36:35 PM |
Legislation is far too open to interpretation by MPI, leading to premature
termination of benefits for people who are legitimately unable to return to
former duties, or require further assistance in acheiving recovery.
Section 5 of Regulation 40/94
"Medical or paramedical care
5 Subject to sections 6 to 9, the corporation shall pay an expense incurred by
a victim, to the extent that the victim is not entitled to be reimbursed for the
expense under The Health Services Insurance Act or any other Act, for the
purpose of receiving medical or paramedical care in the following circumstances:
(a) when care is medically required and is dispensed in the province by a
physician, paramedic, dentist, optometrist, chiropractor, physiotherapist,
registered psychologist or athletic therapist, or is prescribed by
a physician;"
The term "medically required" is too open to interpretation and dispute. MPI
doctors say "not medically required" with no justification, in spite of
extensive submissions from care providers. MPI also makes agreements with
Physiotherapy association (for example) that injury A entitles claimant to X
number of visits, and injury type B entitles a claimant to X number of visits,
with no allowance for a person's progress in recovery. Claimant can be in need
of continuing physio, with physio's agreement, but physio cannot justify that
to MPI, based on this agreement. So they tell you to come back as much as you
can under private insurance or out of own pocket. NOT RIGHT.
The term "prescribed by a physician" hasn't carried any weight in my case. MD
has made numerous justified requests, which have been denied.
Section 8 of Regulation 37/94 states in part,
"Meaning of unable to hold employment
8 A victim is unable to hold employment when a physical or mental injury that
was caused by the accident renders the victim entirely or substantially unable
to perform the essential duties of the employment that were performed by the
victim at the time of the accident or that the victim would have performed but
for the accident."
Term "entirely or substantially unable to perform the essential duties of the
employement" is misapplied. MPI feels that if we can drive at all, we're
capable of returning to an employment that requires driving all day. If we can
stand for brief periods, we can return to employment that requires standing all
day. If we can sit for brief periods, good enough - return to your desk job.
You can lift 15 pounds once? Twist once? Excellent - benefits are terminated.
Twisting and lifting are the essential duties of your job, and you can do them.
What a load of baloney. These people have WAY too much power, and I for one am
sick and tired of jumping through their hoops in order to get... nothing in
return. I admire your optimism in campaigning for reform. I think the battle
will be long and arduous, though I wish you success.
Most monopoly insurance companies are similar(ie WCB). The combination of loss
of income and medical expenses MPI refuses to cover have left me in serious
debt, and bills continue to pile up. I can only hope that the idiots on the
road who show no care for the health and safety of others grow a brain in the
near future so I don't end up right back where I started from. And that somehow
I can keep out of bankruptcy. |
|
| Parvez | November 23, 2010 12:27:19 AM |
| No idea is good enough, until there is an action behind it. it is about time that
every victim, who has been mistreated, should get united and voice their concern.
Once there are several victims come forward with a same cause, then there is a
chance for being heard. |
|
| Adrian | November 22, 2010 11:18:50 PM |
Hugh McFadyen did not fail to come through on his promise as expected. I had a
very good conversation with him today about the petition I sent him.
The original petition I sent him highlighted a lot of faults and asked for a lot
of changes as I am not in government and have been better with my letters so I
did not know what to write for an official petition. He gave me some
recommendations to help make the petition more effective which were very much
appreciated. I already amended it and sent him the new version for his clerks to
quickly look over so we can start collecting signatures.
As he mentioned, petitions as a whole don't tend to be very effective but it is
just one more avenue that we can use and right now we need to use every avenue
possible to shine light on the issue. |
|
| wayne | November 22, 2010 4:25:51 PM |
| It is pretty sad isn't it? And in saying it is sad, there are people who sit
at home and cry over this. Someone was speeding, hit their car, and they get no
compensation. MPI doesn't pay their health bills. We're going to shine as much
light on this topic as we can this year, and do what we can to educate the
public. 2011 just might be a very exciting year. |
|
| dpbracke@shaw.ca | November 22, 2010 10:52:10 AM |
I am glad to discover that people are at last reacting to the draconian
principles of the MPIC and the NDP. The provisions for compensation of victims
might have been written by Stalin.
Imagine a payout of just over $100K for blindness no matter how negligent or
criminal the behaviour of a driver. No avenue to pursue private litigation.
This is just not acceptable in today's society and is more suitable to a
dictatorial regime. This has to change.
Daniel Bracke, B.A.(adv)H.R.M.(C) |
|
| Daniel Bracke | November 22, 2010 10:46:48 AM |
The remedies and compensation provided under MPIC is totally unacceptable. It
is high time to review the “No fault” principle.
Many innocent people continue to be victimized by this repugnant legislation.
My support for your party will be based in part by your position on this issue,
along with the property tax rip off.
Daniel Bracke,B.A.(adv)H.R.M.(C)
11 St.Edmund's Bay
Winnipeg |
|
| wayne | November 19, 2010 11:44:50 PM |
| What the $%!#* is this site down or what havent been able to post on it all
day..or is it just me? |
|
| Parvez | November 19, 2010 5:42:51 PM |
I was referred by my doctor for my accident injury to the very highly recognized
and experienced specialist at St. Boniface Hospital.He described his treatment
in his report to M.P.I.But doctor Mckay from M.P.I.'s medical team rejected that
treatment theory. My treating doctor offered doctor Mckay a proven track record
enforced by University of Manitoba. But doctor Mckay was not satisfied with my
health provider's submitted method of treatment.
Besides I was informed by M.P.I. that the maximum allowed for health provider's
report is $250.00.
Later on, I was instructed by M.P.I. to see their own selected doctor. Who was
paid $975.00 for my assessment, which last no more than 20 minutes. M.P.I.'s
chosen doctor sent the report about me that I am fit for my job, even though
that doctor did not have any idea about how physically demanding my job was. So,
based on M.P.I.'s doctor report, I was denied my injury benefits. |
|
| Adrian | November 19, 2010 4:08:11 PM |
Lanna,
I agree with you completely. While I understand his point that this is what
private insurance companies do so MPI is acting the same, MPI is not a private
insurance company and is not supposed to be acting this way. Private insurance
companies also allow you to choose your coverage, pay out higher premiums and
allow you to seek compensation from those at fault for pain and suffering. MPI
does none of these things and is a government run public company that is
supposed to do just that, serve the public. |
|
| Lanna | November 18, 2010 10:51:26 PM |
Dear Ghost Buster,
It is wonderful that you have compassion for those of us who are being abused by
our government. Thanks. You indicate that you've read the MPI Act. Did you
see S.150? Actually, MPI are "supposed" to assist Manitobans to ensure that
those entitled to benefits receive those benefits. It's a monopoly. Absolute
power corrupts absolutely. |
|
| Adrian | November 18, 2010 10:18:39 PM |
Just for a quick update. Unfortunately Hugh McFadyen has been extremely busy
again this week. Thankfully though his office is still coming through in that
although he has been too busy to try to call in his spare time, they called me
to schedule a time for a phone call to discuss the petition so they can add it
to his agenda. I should hopefully be speaking to him on Monday and have an update.
Also just to throw in a quick helpful blurb for anyone trying to accomplish
change not only for the system as a whole but also for their own claim to try to
get compensation and show MPI that you are serious and aren't going away.. I
would recommend that in addition to just trying to fight the system with doctors
notes and documentation, you also write concise letters about the experience
you've been having and how the system that is supposed to be there to help you
has been one of the biggest struggles in your time of need, and for many of you
has even harassed you and made things worst.
The most important thing about writing letters is that anytime you are sending a
letter to the higher ups at MPI, you also send the letter to any available means
that might accomplish change... Politicians from the ground level to the upper
level (Your MLA, your MP, Minister's, even the PM), the press (Winnipeg Sun,
Free Press, more local papers, CTV, any particular news programs) and any other
organizations you can think of even if they may be in MPI's pockets (Ombudsman,
etc). And once again the other even more important thing about sending these
letters to everyone is to let everyone know who the letter is going to. Include
a distribution list at the bottom so the higher ups at MPI know exactly who in
the media and government is seeing them and that you are willing to stir up
noise for your cause.
If anyone wants the distribution list that I sent my letters to or any of the
actual addresses for the list then feel free to add me on facebook as I
previously stated. My name is Adrian Halpert and I'm not afraid to hide my name
from MPI, so feel free to send me a message or add me as Wayne already has. |
|
| Ghost Buster | November 18, 2010 7:31:45 PM |
This will be my 1 and only comment. I feel for a lot of you.
I have read this blog for a long time, and I am not employed by MPI, or part of
the gov't in any way. I have never worked for them or any other auto insurer. I
have always worked in the private sector (not in insurance).
After reading the entire act, its summaries, etc, it is important for claimants
to note that they must be able to PROVE their injuries were a result of an MVA,
using scientific evidence (Drs. note, X Ray, MRI results,surgeons notes etc.)
This is a lot harder to do than it sounds.
This would also be required at least at the same threshold level by a private
insurer. Remember any past history on your medical record (which can go back
many years) forms part of the MPI record & can and will be used against you.
VERY IMPORTANT: Document ALL verbal & non-verbal communication with MPI.
In order to succeed for any benefit, you should consider:
1. Keep accurate dates, times etc. of all communication/interviews between you
& MPI (incl. phone calls, faxes, etc.), starting from the MVA date.
2. Challenge & note any written/verbal inaccuracies asap. This includes DRs.
records that are inaccurate (contact the College of Physicians & Surgeons of
Manitoba for protocol and how to have these corrected), inaccurate MPI reports
etc.
3. Communicate with your health care providers (MD etc.) so that accurate
records are kept (recorded in writing on your chart) regarding your condition.
3. Research and ask questions about your condition so that you can defend your
position with your case manager etc. Your own research will often tell you how
strong your position is. REMEMBER: Case managers and their superiors are
trained to question you and "push back" as hard as possible. So if you REALLY
have a case, you must be able to PROVE it via medical notes, tests, scientific
proof, etc. done @ hospital & with your own Dr(s)to PUSH BACK at MPI.
4. MPI isn't there to tell you how to win your case. They are there to DEFEND
and disprove your claim. You are the PLAINTIFF, they are the DEFENDENT!!!
5. You must have a legitimate claim. Insurers know that a certain % of claims
are bogus/fall in a grey area......they are taught to question everytthing and
be suspicious (this could include your own Drs. qualifications etc.). So be
vigilent and be on your toes!
6. Keep your emotions intact. If you show an emotional side/opine vage
threats/are threatening or harrass MPI & its case managers etc, be ready for
law enforcement to intervene. This will not improve your position with MPI.
Remain calm and level headed at all times, ESPECIALLY when you're in front of
them.
7. Don't offer up more data/information than asked of you by MPI. Be aware of
what you communicate to them (verbally and non verbally).
Finally, if you have sustained injuries that truly are the result of an MVA,
MPI will "eventually" come through and you will succeed. YES, it seems like it
takes forever. Unfortunately, its a rough and long road to get the benefits you
are entitled to. All insurance companies are the same. (Check the webssite)!)
So good luck to all and keep the faith!
Most won't agree, but MPI DOES have some employees/case managers who really
care for the injured, insured motorist/passenger...and they do everything
possible to help. I have seen it.
BTW, I don't think a few hundered people demonstrating at the Leg. will change
much. I really wish it was different, but I don't see it in my lifetime. MPI
has been around since about 1970.....most don't know about MPI and how
frustrating it can be until they are there. So keep the faith & GOOD LUCK TO
ALL. |
|
| Parvez | November 18, 2010 12:58:07 PM |
@ Deadmeat. This is not an end of the world yet. If you feel that you have been
unfairly treated by the system, then you have to stand up for your
constitutional rights, even if you are all alone. You are not alone, who has
problems in life.The sufferer always feels that he is the only one, whose life
is a living $%!#* But that is not the way, one should begin to see things in
life.
If you heard my never ending misery, then perhaps you will have a different
viwews of feeling in this cruel world. So you have to keep trying until you
find fairness for you. |
|
| Deadmeat | November 18, 2010 10:30:06 AM |
| Perhaps my comments were out of frustration at a system that continues to abuse
their authority against my family!As a father and main provider for my family
this system needs to learn that we are people first and not a claim number! I
have legitimate injuries proven by MPI'S Doctors and to be placed in this
appeal system that takes years to process is not justified! I am left wondering
how they refer to this insurance as ''the most comprehensive insurance package
available to Manitobans''! My feelings of disgust for this system are fueled by
the fact that I am crippled by my injuries relating to
Physical/emotional/financial that have been trust upon my family complements of
MPIC'S no fault insurance!For those of you who have not suffered a similar
experience with MPIC YOU cannot even imagine the physiological injuries this
has placed upon myself and my wife and children! After I am force to declare
bankruptcy i plan on moving out of this province,and the reason is I do not
want my children to one day be injured in a MVA and not be properly compensated
and put through $%!#* trying to fight for their rights! So people please make a
difference for your family and friends and rise against this FRAUD called MPIC!
This will be my last comment on this blog! Good luck |
|
| wayne | November 17, 2010 6:53:55 PM |
| @deadmeat...I hear your frustration for sure. I'm hoping that we can shine
enough light on this subject. Remember a story about a gun toting guy at
workers comp? Had media attention for a day, and didn't hear much more. So,
obviously I don't think violence should even be brought up. NDP/MPI will twist
it back on us if something ever happened, so if anyone mentions violence again,
I won't be able to use that person in our group. We all know how NDP/MPI twists
things around. Anyhow, try to relax as much as you can, hopefully we can work
with some reasonable politicians, and get some changes made. My email is out
there if anyone else wants to help out in a few months. |
|
| Parvez | November 17, 2010 5:20:51 PM |
When my injury benefits were denied by M.P.I., then I went to Injury Board.
Later on, I was shocked to read the Bard decision, stating that my claim is
dismissed. The reson being that according to the information supplied to the
Board by M.P.I., which is that I was collecting benefits for my claim.
I asked the Board to get me a proof of such wrong information supplied by
M.P.I. to the Board. I received a response by the Board, in which the
Chairperson of the board verified that I was not collecting benefits of my
claim and that it was an error. But they were so intimidated after revelation
of the facts. They added, that even though it was an error on their part, but
they are not going to change their decision. This was one of the worst cases of
miscarriage of justice.
I brought this matter of injustice to the Ombudsman department, but due to
usual cover up, that department was not of any help either. It has been proven,
time after time that an ordinary individual can not expect any fairness, the
way system is designed. So there is a need for raising a concern of
mistreatment by M.P.I., which controls so much in public lives. |
|
| Deadmeat | November 17, 2010 1:33:32 AM |
| Wayne,what we should do is gather a group of us together and call in the Media
if their are any of them left not on MPIC'S PAYROLL and show them the abuse
that we are put through in this corrupted corporation! When mpic Doctor's tell
a claimant to return to work on Narcotics they have crossed the line and should
be charged criminally!Don't drive drunk but is OK for you to drive while you
are stoned,WHY BECAUSE WE say so!How about showing them the video surveillance
that MPIC uses to dismiss your claim! I was told that since i can drive i can
work and apparently if you lean forward to look in your side mirror it is
considered greater mobility than demonstrated during assessment. They spent
7000.00 to follow me around and my adjuster was not pleased when i thank him
for the video surveillance that proved my disability rather than supporting
their dismissal of my benefits!But did it Mather that they were so desperate to
get me out of the house that my adjuster sent registered letters over a two
week period to make sure they got footage of me leaving my home and going to
get those letters in town!Beware people it doesn't matter that you walk around
like a 70 year old man and you have a hard time getting around at age 46! I
wasn't roofing my home or carrying a sheet of plywood, Rather i was living my
life as best that i could given the injuries i sustained in several MVA'S and
the reduction of the quality of life i now am forced to exist through day by
day!Perhaps one day soon some poor victim is going to pull a ''LEE'' special on
some of MPIS finest and I for one would volunteer to take him on walks in the
Selkirk mental institution! Lets face reality, its unfortunate but this type of
action will get the attention of the media and MPIC! I am not condoning this
type of action rather just making a hypothetical scenario! Sleep well folks! |
|
| Wayne | November 16, 2010 10:45:53 PM |
| And therein lies the problem. "I don't like the way things are, but I would
rather someone else fix it, than bother myself". So many people sit by and wait
for someone else to solve the problem. I went to Bosnia and Afghanistan to help
people I never met before in my life. Put my life on the line to make a
difference. Is it that hard to gather signatures or let the govt know their
system is broken, and we don't want it anymore? Of course they'll fight, it's a
huge cash cow for them, while we are left in the cold for coverage. And why be
worried about what they read on here? Are they going to send a couple goons
over, or better, yet deny my claim? They have brought me close to bankruptcy
already, they pushed to the point of nothing to lose.
Anyone wants to help waynefranklin@mts.net |
|
| jello | November 16, 2010 1:55:02 PM |
| MPI used to be good when they were an auto insurance company. Now they are a
heath care provider,a driver's licence provider and a vehicle stafety provider
among others. I hope that you do get a rally going and change things. Good
Luck!!
Oh be carefull how much info you put on here cause they do read them. |
|
| Parvez | November 16, 2010 12:28:59 AM |
@ Wayne. M.P.I. has monopoly over such a degree on human life that they are
overstepping the bound of their jurisdiction by wrongfully exercising lawful
authority. The only way to voice our concern is to collectively tackle this mutual
never ending problem.
I am going to email you and briefly narrate about the $%!#* I have been put through
by M.P.I. It is about time to get united against an aggression. |
|
| Wayne | November 15, 2010 10:11:13 PM |
| If anyone who has been screwed over by MPI, would like to get involved, send
me an email. The only way we will be heard is if we stand together. We can get
signatures for the petition, and we can have public rallies and cause great
embarrasment to those who are cheating us. We are louder if our voices are
together. Email me at waynefranklin@mts.net and we can start organising a way
to beat these creeps. I will hold contacts and hopefully in a few months, we'll
have enough people to start making a difference. Have a great day guys. |
|
| bronco | November 15, 2010 8:08:25 PM |
| @jason. What grounds did MPI give for pulling your licence? Anyway I don't
think and insurance company should be in charge of our driver's licences and
the sad fact is that it's NEVER going to change. You can call Hugh all you
want. The only people to blame for this is the people who kept voting for the
NDP. It's all about total control. |
|
| jason | November 15, 2010 7:15:55 PM |
| So i lost my licence for 5 years because i was charged with party to the affence
to a bunch of kids joy riding a golf cart around in a circle just because i was
there i was charged with theft under 5 thousand take auto without concent and
the keyes were in it and it wasnt taken off the property or damaged at all. plus
the police officer who charged us didnt even witness it. just because my lawyer
told me to pled guilty to the charge so i could be off of my 9 o'clock curfu and
have it done with MPI took the goahead and pulled my licence for 5 years without
me even knowing! im almost 1 year into the suspention and have 4 to go. and its
hard to live without my licence i need it back. does this sound like a case
worth fighting? and hiring a lawyer? plus not to mention these charges happened
when i was 17 i am now 18 i was charged as a youth. is it possible to go to Saskatchewan or any other province to obtain a licence right now? i would love
to hang these ****ers! please any advice would be greatly appreciated! |
|
| Parvez | November 15, 2010 11:55:29 AM |
M.P.I. is controlling public life due to monopoly over the system. If the
management abuse its power and the victim stands up for its rights, then the
victim is categorized as a troublemaker. Because, M.P.I. does not want them to be
exposed for mistreating of public.
This is a good idea to collectively circulate petition on behalf of public. There
seems to be no other way of finding a fair justice. I will also disclose my years
of suffering with solid evidence of wrongdoing of the management. |
|
| Deadmeat | November 15, 2010 1:04:46 AM |
| I have not posted anything for a while now and my situation with MPIC has not
changed! I am willing to sign this petition but I also wish to have a hoard of
victims march up to the legislative building front steps and make our elected
politicians accountable for the abuse MPIC has willingly placed upon its
clients! We pay a premium to be protected in case of a accident and expect to
be treated in a fair and timely manner!!! Unlike criminals we are guilty before
proven innocent! We are forced to pay for a lawyer while the criminals are
supplied with legal aid!I am sill waiting for a appeal date with the automobile
appeal commission and its going on my 7Th year with no reply! My family has
endured enough hardship at the hands of a government run corporation which
simply denies benefits and forces you to be stuck in the system they created to
make your life a living $%!#* The worst part is that they are laughing at us
because every year we are forced to pay them our autopac premiums so we could
drive our cars and supply mpi with the CASH to kick our $%!#* !! Real nice
system! |
|
| Adrian | November 14, 2010 11:58:36 PM |
Jane,
That is exactly what I am trying to do. Get a petition going that we can have
multiple people collecting signatures for. I submitted a petition to Hugh
McFadyen as I had spoken to him on the phone previously and he was supportive of
the cause. Unfortunately Hugh has been traveling a lot lately and I've been busy
with personal life as well so I wasn't able to keep on top of it.
However, I missed Hugh McFadyen's call on Tuesday before I left for a short trip
to Churchill. He left a voice-mail and was looking to discuss how we should
approach the petition so that it has the best possible chance of leading to
change. I will be trying to catch him on the phone this week to have that
discussion so we can move forward with the next step of the petition. |
|
| Parvez | November 13, 2010 10:49:30 PM |
@ bronco. You do not have any idea, what has been happenning with my situation. It
is very easy to jumping to the conclusion without knowing the whole story. You
categorized me as a complainer, but have no clue at all. So I suggest that before
passing any remarks, one should always try to find out the facts.
This is so sad that lots of people are ready to lay blame on victim. That is
exactly, there are so much suffering among public by M.P.I. |
|
| bronco | November 13, 2010 3:36:27 PM |
| @Parvez. MPI is a very tough nut to crack. The reason why there are so many
problems in dealing with them is their inexperience staff. So many rules and
daily/weekly/monthy changes that they can't remember which rule applies when or
even it has been amended.
I suspect that since you have gone to the Human Rights Commision and it has
gone nowhere, you are just a complainer. HRC don't take things lightly. |
|
| Parvez | November 13, 2010 1:38:22 PM |
No idea is good unless there is any action. it is about time that majority
suffered by M.P.I., should raise their collective concern against monopoly. As I
have learned through years of fighting against M.P.I., that for an ordinary public
, there is no fairness, the way system is formed.
Most people give up on their rights, due to lack of will and resources, which is
exactly M.P.I. wants. They can get away with any wrongdoing and no one is there to
question them. That is why, there is a need for private insurance, as the
competition in any business proves to be beneficial for general public. |
|
| Parvez | November 13, 2010 10:00:38 AM |
This has long been observed and experienced by many, who dealt with M.P.I. that
one thing for sure that when it comes to dealing with M.P.I., one can not trust
any body, no matter how friendly the staff pretends to be.
I have been dealing with M.P.I. since 2002 and have gone to see almost every
authority, including claimant advisor, Injury Board, Ombudsman, Minister
responsible for M.P.I. ( Andrew Swan }, Manitoba Human Rights Commission and
every level of position holder with M.P.I.
I found out that if a victim stands up for its rights. Then as expected, there
will be a reprisal to discourage a Justice seeker and the more someone try to
fight for fair justice, the more hurdles there will be in a way. This is what
the game plan is to make a victim give up. I hope if more people stand up
against aggression, then there probably be a chance to achieve fairness. |
|
| jane | November 13, 2010 8:44:51 AM |
http://www.gov.mb.ca/legislature/house_biz/guildelines.pdf
can the owners of this website create a lawful and compliant petition to
criculate in Manitoba, and have a MLA present it to the House?
This site is great, lots of sharing and hardships, but, lets use this site to
unite people in Manitoba to petition the House to change the law, so that we
have the freedom of choice for car insurance in Manitoba, and, that MPI no
longer has the law behind them, to have the monoply in Manitoba. Its a conflict
of interest for our government to be in the insurance business. MPI controls
our drivers license, our insurance and our registration. Nothing will change,
no matter how many more people are injured and taken advantage of or how many
people find this website and continue to do nothing.
It may take months or even years to get every adult who drives in Manitoba to
sign the petition and have an MLA present it but it will be well worth it. Our
rights and freedoms are being violated, we have the right to untie and fight
this law and have reform, and, the freedom of choice as other provinces have.
The NDP need to go people! They are making money for the govenment, MPI is a
money machine, just like red light cameras in Manitoba. MPI is not a non-
profit agency. It is a money making machine, with billions of dollars
in "revenue" from everyone who drives in thsi province, and, people injured or
killed in accidents do NOT get anything even remotely acceptable by way of
payment from our premiums. MPI makes its living off us all, and, by denying
claims and refusing to pay out to those injured, disabled or killed. MPI has a
herd of top paid lawyers, at our expense, to fight us and shut our claims down.
These lawyers are paid out of our premiums we pay! We pay these lawyers and the
MPI "doctors" to shut us down, to shut our claims down adn discredit us. How
contrary is that? Its a severe conflict of interest. I'm not a layer, but I
don't think our premiums should be used against us, to shut our claims down?
Any lawyers on here who know if this is a secondary avenue we can fight to shut
MPI down on? That our premiums are funding these doctors and lawyers to shut
our claims down? COnflict of interest? Corrupt? Contrary? Collusion? Would
really like to hear if anyone in here with a law degree thinks this is a major
avenue for us to open and fight MPI being shut down and the private insurance
companies into Manitoba?
Lets stop complaining and do something. Nothing will happen unless we make it
happen. |
|
| Parvez | November 13, 2010 8:16:18 AM |
" But who guards the guardians " ?
My son recently fulfilled all the requirements for an auto dealer permit. But
M.P.I. is abusing its authority by ignoring him and causing hardship. Because, I
stood up against abuse of power of M.P.I. in the past, by filing a formal
complaint with Ombudsman, Attorney General and Manitoba Human Rights Commission.
Now my son is experiencing a reprisal by M.P.I., as a result of my standing up
against wrongdoing of wrongful exercise of lawful authority. I feel strongly that
the whole situation is due to monopoly by M.P.I., which has to be addressed by all
victims, as this is a growing problem for an ordinary public. |
|
| Wayne | November 12, 2010 2:38:19 PM |
| @ Adrian..let me know when you are close to going out for signatures. Email
address is waynefranklin@mts.net A insurance company that doesn't pay pain and
suffering, and yet we are forced to use these clowns. Want to get something
going to take these losers down. |
|
| Andrew | November 10, 2010 1:49:10 PM |
So I got in a car accident a few months ago. Probably fell asleep driving. I had
finished driving my friend home (he called me from the bar to drive him home,
hes my friend, Im not going to say no!) and it was about 1:00 AM and had a cup
of coffee (I dont drink coffee unless Im tired). So I total the car and get a
huge concussion. The hospital confirms I wasnt on drugs and had a blood alcohol
level of 0. I talk to MPI and then about a month later, I talk to them again
(the claim isnt settled still). After the second time I talk to MPI, I get a
call from the RCMP from this guy wanting me to make the accident report. I had a
level 3 concussion so I didnt remember anything before or after for about 2
weeks. I told him everything I pieced together, and he took me into a back room
asking me questions, telling me I was on drugs that night. He grills me for
about 2 hours about drugs this and drugs that, refusing to listen to me. I have
a copy of the report the doctors made proving my innocence, but he refuses it
claiming he wants his own. After handing me a ticket for $200, he says "as far
as Im concerned, you're getting off lucky"
So at this point, Im pissed and start doing some research, as I want to take
them both to court as many times as possible. I called around and, especially
with the RCMP, whenever I start asking questions about car accidents and what
the police can and cant do and why someone would accuse someone of something
with no evidence or if I even mention MPIC, I get hung up on. This must have
gotten around, because within the next DAY, they agreed to not only settle, but
to repair a car they originally said was a write off. I still wish to try and
hang these $%!#* ers out to dry. Any tips? |
|
| Jude | November 9, 2010 12:24:20 PM |
Dear Northener; you will be compensated for your scars and tissue damage. This
takes at least a year or two. They will come out to assess your movement of
limbs, the less movement...the more pay! Scars are measured by lengths. Again,
this does not happen until your claim is finalized. Even after you have settled,
if there are complications in years to come...you can re-open your claim(so they
say). Anyone involved in an accident regardless of who is at fault, is intitled
to medical attention. I hope this helps you.
Jude |
|
| Against MPI | November 7, 2010 11:55:14 AM |
| MPI is very corrupt. I just caught my case manager and her supervisor in a big
lie about my claim. I am curious to see now how MPI handles this. It would
make for a very good news piece on CTV/CBC. The Sun and Free Press would like
it too. The unfortunate part is that even though we all have similar stories no
one wants to challange MPI to the bitter end. People need to know that if they
get hurt in an accident your body and your finances will never be the same
again and MPI could care less. In the end, they will lie and beat you down
until you just can't take it anymore and you just walk away. That is their
money maker. They put case managers to work (at hefty salaries paid by us)
telling them to do everything they can to deny claims even if that means
writing deceitful letters to doctors and to you saying there is no proof.I just
caught both of them in a big time lie and if they don't reverse their decision
I will be contacting the media to see if they will be willing to do a story on
it. I have the proof. My dr supports me and is angry at MPI as well. We can
go to the college of physicans and chiropractors with our story to warn them
what MPI is doing to deny claims. MPI is tying up the system with unnecessary
paperwork. It would have been cheaper just to pay the claim than to deny a
claim unethically. I recommend that all of you that have claims with MPI get
copies of your file and or copies of all documents going in and out of MPI on
your case. You will need patience and time but please stay strong and fight
MPI. You are hurt they should pay. If they don't pay, there needs to be a
change in MPI's advertising. What they claim they do for their claimants is
not 100% accurate. MPI is gov't run. They have more $$ than we do and they are
prepared to lie and cheat to make even more. |
|
| Against MPI | November 3, 2010 12:50:10 PM |
| I personally feel that people need to band together and hold a protest with
the press interviewing and broadcasting people's stories so that all
Manitobans are aware of how MPI operates. There have been people in serious
accidents and have been left with mentally &/or physically impaired. Vehicles
have been totalled or repaired at the expense of the claimant. We all have
stories to tell. We need to get MPI to change how they handle their claims,
how they deal with claimants and their payouts (or lack of). I don't know how
to organize something like this. If we don't, MPI will continue to take our $
and short change us every time they can. Private insurance will never happen
in Manitoba unless we fight back. I have contacted the media, one paper said
they would take my story but then they said no. CBC won't take our stories
because they are a gov't run telecommunication company. For my 5 claims, I am
having to do my case manager's job because she writes my medical doctors for
information but does not actually ask for the info. she needs in order to pay
for what I am claiming. Instead she writes her letters asking for info. that
she knows will not meet their criteria. My doctors provide the info.
requested by my case manager only (due to the privacy act)and then she turns
around and denies my claims stating that my doctors did not give her the info.
she needed. She blames my doctors when in fact the proof is in her letters.
You have a right to obtain copies of all correspondence. If you do, you will
see what I saw. She purposes does not ask direct questions. The answers
would clearly meet the requirements for payment. I have to do her paperwork
for her. I have hired a lawyer but that is expensive. Why should I need a
lawyer to get MPI to pay for a pain medication that costs $25. a month? Why
does MPI deny chiropractor treatments when Xrays clearly prove significant
whiplash injuries to my spine? I don't even think she has ever asked for my
chiropractors xrays or even for his medical findings in a report. She just
asks for chart notes. Sometimes chart notes are not enough. It depends on
how your chiro/dr. writes chart notes. Instead she sends me to a MPI
chiropractor so that the MPI chiro can deny my claim. He did not take any
xrays. MPI sent him a referral letter with inaccurate info. about my
accidents and my injuries. If you are having a hard time getting MPI to pay a
claim, ask for a copy of all the letters or a copy of your file. If you are
too ill to look at the paperwork yourself have someone you trust and that
knows your condition read it for you. Get help from anyone you can. It is
hard to fight MPI when you are the one that is in pain. MPI employees will
not help you. They lie and they back door you any which way they can.
Believe me with 5 claims, they continue to deny and probably deny even more
because they know I will need medical attention for the rest of my life.
Their goal is to save $ and make $ for the gov't. Staff at MPI gets paid well
so don't think for a moment that they are there to help you. They want their
paycheques so they will do what they are told to do. Does anyone have
experience in getting a protest started? We should be strong Manitobans. We
have rights. Why are we not expressing how we feel? Traffic circles get more
media attention than car accident victims. Minorities get more media coverage
than us. I have no issues with media attention on those issues but I feel wwe
should also have the same kind of media attention. If we don't say something
soon, more people will suffer what we have suffered through. Let's face it,
MPI is going to continue to deny claims and short change us. The economy is
getter poorer so if we don't fight back who will pay our bills when we can't
work due to our injuries? The programs that we think we have to fall back on
are not |
|
| M. Reimer | November 1, 2010 4:34:50 PM |
| Couldn't agree with you more. Very frustrating with no neutral party in this
corp. All paid by the government including doctors. Like hitting your head
against a brick wall. A wonderful insurance if you never have an accident (
oh, yeah, you don't really need insurance then!) |
|
| jojo | October 31, 2010 1:53:16 PM |
| @al h. in this case I don't think MPI is the problem, it's provicial goverment
that is charging you the taxes. MPI will never go away. Never. |
|
| al h | October 25, 2010 9:08:58 PM |
| So how do we get ride of MPI? |
|
| jojo | October 25, 2010 12:47:34 PM |
| @ AL H., the goverment came up with the idea to tax you and what the book says
not on what you paid for the bike or vehicle. This is due to people making two
receipts and goverment loosing money on taxes. EX: If you bought the bike for
$1000 & the book says it's worth $1500 then you pay taxes on the $1500. but, IF
you bought the bike for $1500 & it's worth $1000 you pay taxes on the $1500. BS
I know but that's what the NDP does tax you the death. |
|
| Jude | October 22, 2010 11:40:50 AM |
| I had written a blog back on Oct.19/09. The update is I gave up on my appeal
as I almost had a nervous breakdown due to the stress of dealing with MPI and
Moya Thomson. I is now a year later and my claim is coming to a close (maybe)!
I was assessed and pics taken of my scars on June 21, 2010. I was told that the
check could take 6 to 8 weeks to receive. On Sept.9/10 I emailed Joanne Keith
regarding my claim. I was told that the office was going through
restructuring. The next excuse was they had a new system installed and that
cheques weren't going through. I know this is a blatant lie because my husband
still gets his cheques every two weeks (an accident not related to mine). I
then emailed Joanne again on October 14, 2010. The email I received back says:
The process of determining your entitlements is underway and your medical file
has been referred to our Medical Consultants to determine your entitlements for
the reported loss of sensation. Once it is received back from our Health Care
Services we will complete our calculation and provide you with our decision. I
have been waiting for over 4 months. I agree we all have to band together. MPI
is not god nor should they have the right to treat us as criminals. There are
NO good MPI employees. Everyone having problems should use the names of their
adjusters. |
|
| jojo | October 21, 2010 9:56:58 PM |
| @ Al H.
No, no, I know it's not a right off just saying IF it was, they would be using
the blue book for the value. What I was told is happing here is that the
provincial goverment is using the gold book which has higher values to tax you
and MPI uses the blue book for it's value which is lower. Was told this is
legal cause the provicial gov. is considered seperate from MPI. This is BS but
what do you want from the NDP. |
|
| Against MPI | October 20, 2010 4:44:58 PM |
| There is nothing good to say about MPI. How they handle their claims, their
staff, their premiums, their doctors.....the list goes on and on. This is a
gov't money maker so there will never be private insurance. Nor will they ban
PIPP. PIPP is designed to deny claims and make a profit. MPI will spend more
money fighting a simple small claim than what it would have cost to
rehabilitate someone. Grant you there are various types of bodily injury
claims. Each BI claim is not the same but no matter how you look at it, MPI
makes millions of dollars a year and pays out very little in comparison. If
MPI is a gov't run company, why does the consumer (us) not get a break? Why
are our premiums as high as they are? If MPI denies all sorts of claims and
makes large profits each year why are claimants having such a hard time
settling claims? MPI will do nothing to help a claimant get the best treatment
and the best settlement possible. They do everything in their power to deny
claims and to fight claimants. I have had five MVA's in the last ten years.
None of them were my fault. In the five MVA's from what I know there have
been at least 3 vehicles written off. I have severe whiplash and myfacial
pain syndrome. MPI could care less. They make me so angry that I feel like
walking away from my claims but that is what they do. They make you so angry
and so frustrated, that you just want to give up and walk away. That in
itself is a money maker for MPI. If you fight them, they just hire more staff
at incredibly high salaries to fight you. MPI pays their staff very well.
That is our money paying them. When you get hurt and you can't work because
of your injuries do you think MPI cares if you lose your house, your car, your
family? Absolutely not ! They will do everything in their power to make sure
they don't pay a cent. No matter what medical report they get or the amount
of medical proof you give them. They will give you the minimum if you are
lucky enough to get that. Gov't is in business to make money and spend it
stupidly. I wonder where all the profits MPI makes each year actually goes ?
I am sure there are company bonuses at MPI. Why else would people work
there? You have to be a person with no feelings and emotions to work in a
cold place like MPI. MPI is not there for us ! |
|
| AL H | October 20, 2010 10:06:07 AM |
| The bike was not a right off. Just ended up being in the right place at the
right time. so i end up getting a good deal yet they say i have to pay tax on
money not spent. it seams it would be against the law to charge tax on nothing?
so frustrated. |
|
| jojo | October 19, 2010 7:19:54 PM |
| hey Al H.
I don't know how MPI can charge you more with a gold book price when MPI
doesn't use a gold book. If your bike was a right off they would be using the
blue book which has a lower value. |
|
| AL henderson | October 19, 2010 10:48:52 AM |
| I Purchased a harley 2006 street glide this Spring. The price $12,000 when I
registered the bike i had to pay the tax 840.00. Last week i received a letter
from MPI stated that i did not pay enough Tax! That i had to pay the tax on the
Gold book Value 15450.00! instead of the ac so they require 241.50 more! So my
question is how can this extra tax appear on monies not paid? so i pay more the
the set rate of 7% it seams to me that Mpi would be above the law in being able
to set what ever tax they see fit! any one else have this concern? and a
strategy on how to deal with it? |
|
| moving on | October 15, 2010 9:30:25 AM |
I hope you are successful in your quest, Adrian. It would be beneficial to have
choice in our auto insurance provider.
Personally, I see that I fight a losing battle. It's time to regroup, pick up
the shards that remain, and move on.
I find it ironic that they will spend thousands of dollars on so-called
independent assessments and medical opinions in order to deny hundreds of
dollars in claims for treatment that would help a claimant to recover. It makes
me sad to see where my premium dollars are spent. |
|
| Adrian | September 16, 2010 8:45:14 PM |
I just wanted to state that so far with the letters I have written Hugh McFadyen
and his office have been very helpful. Not only did they actually acknowledge
receiving my letters in an appropriate amount of time, but Hugh personally took
the time out of his day to call me and discuss the issue.
I wrote a petition that is currently with his office's clerks for review so that
once it is approved by them I can take it door to door for petition signatures
and he can adopt it as a private petition and present it to before the
Legislative Assembly.
When that happens I will provide an e-mail for anyone that is interested so that
you can e-mail me and request numbered petition pages to collect your own
signatures and mail them to me. After a set period of time or when I think we
have enough I will mail all the pages to Hugh McFadyen's office and ask him if
he can present the petition.
So far the highlights of the petition are that PIPP was introduced in 1994 to
reduce rising costs yet it has severely limited Manitoban's while not reducing
our cost as we are still in the middle of the pack in insurance premiums paid
compared to other provinces. Because of the extreme limitation imposed by PIPP
and the discrepancy between Manitoba and provinces with private insurance, the
petition asks that the Minister of Justice review and revise the plan to
properly adjust for permanent disability and compensate for pain and suffering,
or to allow pain and suffering compensation to be perused in court separate from
permanent disability, or to allow Manitoba to return to private insurance where
citizens can choose their own coverage, versus the current monopoly system. |
|
| Lanna | September 15, 2010 8:04:42 PM |
Having conversations recorded is fine however it is worthwhile to consider the costs of having those
recordings transcribed when the time comes that you need them for AICAC hearings and/or Court of
Queens Bench matters. It is expensive. I know. Most likely if you are needing to record the
conversations, things aren't going well and the easiest (least expensive) thing is to stick to the written
word. I agree that case managers aren't very clear in their communication but my experience is that
they are no more clear when they speak....so it might as well be written. As to whether they are trained
this way; no comment. If I were to learn that they were trained to be like this I would not be surprised,
nothing about MPI surprises me. They are very predictable.
Definitely audio record all "Team Meetings", IME's, Third Party Assessments, etc and if possible take
another person with you as a witness. I have been to countless of these and have the transcripts which
have been very useful. When it comes down to what MPI says versus what is recorded you will be happy
you spent $75. on a digital voice recorder !
I am very sorry for the struggles that everyone is experiencing. Hopefully someday the politicians will
wise up and get rid of this perverted "no-fault" system. More often than not it is 'someones' fault.
Perhaps a little accountability in the system would benefit those of us who are destroyed by others bad
driving. If the bad drivers had astronomical insurance rates then perhaps they'd take the bus, or at least
be slightly more careful knowing it might cost them. The way things are now, it is my opinion (right or
wrong) that most people just don't care. |
|
| carlyn | September 15, 2010 6:44:04 AM |
Sadly, some case managers are vague in their written communication, though it
is helpful to have a physical record of the communication.
I recommend recording all conversations. I began to do this to help me to
understand what my case manager was saying, and so that I could concentrate on
the conversation and come back to make notes later.
It is VERY enlightening when one compares the notes on their file, which are
scanty and often inaccurate and one-sided, to the recorded conversation. When I
hear of others who have had similar experiences, I can't help but wonder
whether this is part of their training, or a personal decision. |
|
| mpisfavouriteclaimant | September 11, 2010 6:35:56 PM |
| the reality that what a claimant recalls as being discussed versus what an adjuster records as being
discussed is precisely why I personally would recommend that all communication be done in writing. It
requires MPI to ask clear questions and helps to avoid "misunderstandings" which generally are to the
detriment of the claimant. |
|
| Adrian | September 9, 2010 8:29:22 PM |
Northender,
You're entitled to 1 free copy of your entire case file (including notes) as
well as periodic updates of the paperwork that has been added to it since you
got a copy.
I would wait a couple months and request this copy. Don't ask for it too soon as
if you do you will be worried about keeping it up to date but I would suggest
getting it when they are getting close to computing your final disability
compensation so you can see what they have written about you and what direction
they are taking with certain requests. You may be surprised about how you recall
conversations and what was actually written down... I know I was. |
|
| Northerner | September 6, 2010 9:51:54 AM |
Adrian,
Many thanks for your post... any other hints/tips for people like me on dealing
with settling out a personall injury claim with MPI? |
|
| Adrian | September 1, 2010 8:49:13 PM |
Northerner,
They are treated the same whether they are the result of the impact from the
crash or surgery required because of the crash. I myself have 3 incision scars
on my left leg when metal rods were inserted into my femur and approximately 2
patches of scarring as the result of direct impact from the crash. I recently
had all the scarring measured in order to begin calculating my permanent
disability entitlement and they were measured the same. As well, on the copy of
the case file that I obtained from MPI they are treated the same.
Hope this helps. |
|
| American's Death | September 1, 2010 1:11:43 PM |
| My post regarding section 75 of the Manitoba Public Insurance Act was removed.
I believe your public should again be aware of this section. This was NOT a
pure no-fault situation for my family being that we are not citizens of your
Province. If my Husband was at any fault the claim would not have been payable
or only a percentage would have been paid. MPI and WPS released the driver's
statement to my family stating my husband walked into his semi-truck. They were
not aware that I had obtained the eyewitness statements of the men who were
beside him and in front of him. Upon finding out I had the statements they
reinterviewed the eyewitnesses 1 year after the accident, who were again very
clear that the driver turned a sharp right into my Husband's back throwing or
dragging him up to 30 ft, no steps were taken. My Husband never survived the
night in Health Science Centre. Again MPI took my children before the U.S.
Courts admitting the entire accident, forcing us to sign a release for this
driver, stating they considered the cost of our child with special needs
medical care, which they did not, yet refusing to release the police narritive
and the reason the driver was never even fined for his actions (which is my
right as an American Citizen)When I contacted the Crown Prosecutor to obtain
this information on my own, I was told that the accident was never even
forwarded to your Prosecutor a duty crown then referred to his longtime friend
who was an attorney and said he would help my family. Upon looking into the
attorneys background I found he served on the Manitoba Bar with an MPI
attorney,this is an extreme conflict of interest in the U.S. yet it seems to be
buisness as ususal in Manitoba. |
|
| American's Death | August 31, 2010 11:40:08 PM |
| Message to Serena,
It is not only the ceo, It is management at every level along with their
review office and their so-called fair practices! My children and I were
threatened by the board of directer's when your public trustee used their names
to seize the funds due to my husband being killed by a driver from your
province. We were told we had to turn over their birth certificates to your
trustee, sign a release for MPI to do so and if not the board of directer's
would release them to the trustee anyway. It does not end with MPI, I am know
in an 8 month investigation with your ombudsman as to wether my family had the
right to be provived an informed decision on the claim and he is now out of the
office again after a 2 week vacation he took a week ago. My family has endured
countless vacations from MPI case managers after my husbands death while they
were aware he was the sole provider for our family. When does the madness end?
This is as wrong as is what this driver for your city did to my husband and
childrens father! |
|
| Serena | August 31, 2010 11:05:32 PM |
| An outrageous company, with no morals, no understanding and zero class. To the
president and ceo, madam how do you sleep nights running such a corrupt
organization, you should be ashamed of yourself for letting this company
embarrass it's self for the 600th time, wake up - the people of manitoba are
not happy with your nonsense. |
|
| Northerner | August 31, 2010 6:38:33 PM |
| Thanks, but I was specifically wondering about scarring (surgical incision for
eg) incurred in repairing a bone broken in the accident versus skin torn open
in the accident and if MPI treated them the same. I can't seem to discern that
from their web site or the act. |
|
| Adrian | August 30, 2010 8:36:03 PM |
Northender,
The following link will give you the percentages that they cover for scarring.
The scarring amounts are actually not as bad as their mobility impairment rates.
Keep in mind that the percentages are calculated off the maximum entitlement of
approximately $120,000 (adjusted for consumer price index).
http://web2.gov.mb.ca/laws/regs/pdf/p215-041.94.pdf
As far as hospital expenses you can find the general coverage here:
http://www.mpi.mb.ca/english/claims/PIPP/BI_expenses overview.html
Or you can read their actual legislation here:
http://web2.gov.mb.ca/laws/regs/pdf/p215-041.94.pdf |
|
| AMERICAN'S DEATH | August 26, 2010 10:57:05 PM |
| Message to Norterner,
Do not trust any conversation you have with MPI!!!! Get everything in
writing, and that has still not been of any benefit to my family. This is a
corporation who does not understand professionalism or integrity. They are VERY
corrupt!!!! |
|
| AMERICAN'S DEATH | August 26, 2010 10:49:57 PM |
| Thank You!
I have proof of all of MPI's Bad Faith Practices and the atrosities of the
people who supposably hold them accountable. Thank you for being honorable and
accountable. My family has been through enough! |
|
| Northerner | August 26, 2010 10:42:29 PM |
First time dealing with MPI on a permanent injury claim and looking for help. I
have extensive scarring from surgeries after the accident to fix broken bones
(installing rods, etc.) as well as some scarring from direct tissue damage.
Does MPI cover the scarring caused by treatment and surgery for accident
injuries? I can't find this anywhere and don't trust a phone call to them.
Thanks! |
|
| American's DEATH | August 26, 2010 10:36:59 PM |
| Wake Up Canada,'
You have the POWER of the Vote to throw the BUMS OUT! My husband was killed
by a driver working for your city 28 months ago. Your insurance company and
your city police have tortured my family since this tradegy. Not only did did
both lead my family family to believe my Husband and children's Father was to
blame for his death, not knowing that I had obtained the actual eyewitness
statements myself. They then took my family before United States Courts to
release liability for your city driver and to state the actual cost of my
hanicapped daughters medical needs were considered in this claim. I was being
forced into signing this agreement in the U.S. without legal council! When I
did find legal council who agreed to review this for a sum of $5,000 in Canada
your public trustee seizied the funds and now states it is the guardian of my
children and MPI has said my hanicapped had no right to be informed they would
put her under your vulnernable persons act. Tis is an OUTRAGE! This driver who
ran into to my husband's back and his worksite was never charged yet my family
was being forced into signing a release of liability for him! Your insurace
company practices torture and intimadation, this is BAD FAITH INSURANCE! I have
been through their review dept,"so-called" fair practices, attorney general and
now an ongoing 8 month investigation with your ombudsman into MPI and WPS with
inspector Poole. The hiprocicy is beyond imagination. When does the torture
end! My family and 4 daughters have endured enough when your city driver
slammed into my Husband's and their Father's back with his semi truck!!! Your
lawyers are cowards and will not even return a phone call. You have the power
to throw these bums out!!!!! |
|
| Adrian | August 26, 2010 7:30:19 PM |
Taylor, I honestly can't tell if you're bashing MPI or praising them with your
mixed facts...
You said "You are quite right that MPI does not provide reimbursement for
personal injury -- in Manitoba. The reason for this is because in Manitoba we
have something called the Personal Injury Protection Plan (PIPP), which is an
unlimited source for reimbursement for bodily injury (including pain and suffering)"
In fact, you could not be further from the truth. PIPP is in no way unlimited,
and there is absolutely 0 reimbursement for pain and suffering. Believe me I've
dealt with MPI enough to know and have read the entire PIPP legislation.
Furthermore, the letter I received from the minister in charge of MPI (Andrew
Swan) last week reiterates specifically that PIPP is not unlimited and that I am
correct in stating that there is no compensation for pain and suffering. |
|
| Taylor Reisdorf | August 26, 2010 10:43:04 AM |
| Hi there,
Now I am not normally in the business of defending MPI, as it is normally easier for me to shrug my shoulders and say "unfortunately I don't make the rules" when dealing with an angry client, but in my experience as an Autopac insurance broker I feel that you are not being entirely fair to MPI. Specifically, your allegations regarding their injury compensation -- or lack thereof. You are quite right that MPI does not provide reimbursement for personal injury -- in Manitoba. The reason for this is because in Manitoba we have something called the Personal Injury Protection Plan (PIPP), which is an unlimited source for reimbursement for bodily injury (including pain and suffering). It's not just that MPI doesn't cover bodily injury in Manitoba; according to provincial law you simply cannot be sued for it. If you are insured with MPI you also carry your PIPP coverage around with you wherever you drive in North America. Therefore: MPI expressly having 'bodily injury' coverage would be redundant.
Outside of the province there are other safeguards in place. For example: other provinces and states in North America, like Manitoba, have minimum third party liability requirements (in Manitoba the amount is $200,000). If you are involved in a motor vehicle accident where someone else is injured, your third party liability will pay out for their hospital bills. This is why, as an insurance broker, whenever someone indicates that they travel out of province I always recommend they increase their third party liability to the maximum of $5 million, as claims involving pain and suffering can accumulate vast sums of reparations. Consider MPI's rental car insurance, which is ridiculously better (and cheaper) than anything you can get at the rental agency, with which are automatically given $5 million third party liability, as well, even if you're just driving around in Manitoba.
It is true that MPI has many failings. A perfect example is that they are currently automatically renewing driver's licenses without express consent. According to the 5-year renewal system your driver's license will be renewed for up to 5 years (depending on your photo due date), and they will automatically rate you each year , and that if you do not wish your driver's license to lapse (key word: lapse), you must pay by the normal renewal date for that year's driver's license fee. Sounds fine in principle, correct? Well, what happens if you are not planning on driving until some time after your renewal date -- perhaps you're on vacation for three weeks or in the hospital -- and you just want it to lapse? Well, MPI doesn't care. If you haven't paid by that renewal date, they don't lapse your license, they send you to collections. Imagine that just three hundred thousand people leave their licenses for even a few days (which is an extremely common sight). This allows MPI to charge interest up to maybe a dollar per person, or another $250,000-300,000 in the year that they get on top of all the premiums they charge. This is a matter I have personally taken up with the Better Business Bureau, and is a far more warranted cause than the allegation that MPI does not cover bodily injury.
-Taylor |
|
| Dave H | August 17, 2010 2:11:08 PM |
First I would like to wish you folks who have posted on here the best of luck in
your actions against MPI.
I lived in Manitoba only a short time and would not move back.
As an "outsider" I only saw a hint of the problems with MPI but suffice to say
until there is a change of government that will abolish This scam called MPI
people will suffer.
"No fault insurance" by itself is a joke......All insured Manitobans
collectively are paying for the bad driving habits and stupidity of the few.
Coming from Alberta I paid over 2 1/2 times the amount than what I had paid in
Alberta-As a driver with a top driving record and rating-"for the absolute
minimum coverage" with MPI.Private insurance may not be perfect but at least you
have certain rights and have the legal right to sue when you are injured.
In closing I want to pose a question here......" Doe's MPI pay a performance
bonus to it's staff based on the amount of money they save MPI when denying claims?"
Just food for thought folks
Take care |
|
| Arthur | August 5, 2010 6:25:54 PM |
| Sam, it is difficult to give specific suggestions without knowing all the
facts, but are you saying that someone employed by MPI actually forged your
signature, and as a result, MPI ceased your case? If this is the case (and it
shouldn't be too hard to prove) seems to me someone at MPI has committed
fraud. I doubt that this would be covered anywhere in MPI Act, but seems to me
this is a criminal case and should be reported to the police. |
|
| none | August 5, 2010 1:59:11 PM |
| @Arian. I somewhat understand your logic about the money part. I'm sure if you
got a lump sum of money you would use it for recoverey. But there are alot of
people who would use it for other things, not recoverey. So this is a way for
goverment to make sure that, that person recovers. I do believe that some
money/cash should be paid out to people that suffer major injuries as part of
the recovery process.Don't like using politics but the NDP are the one's that
put this system/law in place and they will not go back to the old system no
matter what. MPI is growing not shrinking. This is a law that you are fighting,
not a policy or a guidline. It's the law it's on the books. The only way to
change things is to lobby goverment. If the PC goverment gets into power next
time then that is your best hope, as they are not for goverment interferance.
But don't expect wide spread changes. Good luck Adrain. Hope you get someone to
listen. |
|
| Adrian | August 4, 2010 9:50:52 PM |
@none,
Thank you for your reply and I understand where you are coming from with your
comments.
But, being able to sue would accomplish the greatest thing of all to someone in
my situation. It would give me some belief that we live in a just world. It
would allow me to hold the person responsible for the accident accountable for
their actions rather then the tax-payers. Furthermore, it would allow me to hold
them accountable for the full extent of my suffering, rather then simply what
the government has decided is the Act that is in place, that cannot be disputed.
Even the lump that Il'd get out of suing itself, or a larger lump sum offered by
MPI may not be able to turn back the hands of time. However, this lump sum is
supposed to compensate me my permanent disability. It is supposed to compensate
me for what I cannot do for the rest of my life. To that end, the money paid
should be able to actually help me with my life. To ease my life and compensate
for what has happened in other ways. So if I can do the math and break down what
they are paying me to less then 30 cents a day, there is something wrong. Soon
enough, 30 cents won't even buy a gumball from a candy machine.. so tell me,
what is 30 cents a day supposed to help with.
As far as MADD goes, I am sorry to hear about that as I hadn't actually
considered that. Steven Fletcher however has been the most disappointing of all.
I am not saying my situation is as bad as his, but he is the one individual that
is in a position to understand my situation and know empathy rather then
sympathy. Yet I have sent the letter to his office once by hard copy and twice
by e-mail. 2 Months have passed and I have not received so much as an
acknowledgment of receipt from his office. When I read about his story I thought
he would be someone who could help as well. However, right now I am led to
believe that he is either the worlds busiest man or that he is in MPI's pocket
as well and only cares about his own case. |
|
| sam taylor | August 3, 2010 1:09:51 AM |
| hello to all here,
I am seeking some information. If you can help or if you know of where to find
this kind of information in the MPI act please comment on this post!!!
1. A case manager has signed my name to a document that was used to terminate
my case. Is there anything that can be done?
2. Can MPI case managers lied to clients? If so or if not does anyone know
where this would be found in the act?
3. How do you get a fair review of your case? or appeal? Please need to know?
Any help would be great. Any one know of a good MPI lawyer?
need the answers asap.
Thank you to all ahead of time. |
|
| none | August 2, 2010 7:08:33 PM |
| @Adrian. what happened to is terrible. but if we had private insurance and were
able to sue how would that make your life better. besides having a lump sum of
money. MADD won't do nothing for you as they receive funds from MPI & will not
speak against them. Stephen Fletcher has sued MPI on many occations and lost.
Maybe he himself can give you some help on how to fight them. The 5th Estate I
would think is your best bet if they pick up the story. The local media will
pick up the story for 1 day and don't follow anything up.
For everyone complaining about MPI stuff on here, the best thing you can do is
vote for PC in the next election. NDP created this. |
|
| Tex | July 30, 2010 11:06:18 PM |
| Maybe "found a rat" is the rat... |
|
| Adrian | July 29, 2010 8:37:58 PM |
"Found a rat"
Not sure if you're trying to say that what I posted was something posted by MPI
to try to gather more information on people that are trying to spread the word
but I assure you it is not and my comment is genuine.
Everything I posted is the truth and you are more then free to look me up on
Facebook (Adrian Halpert) and check out my notes for the full 4 page letter that
I sent out. I am genuinely looking for more organizations to contact and posted
what I did just as I posted the letter to my facebook because I personally don't
care who at MPI knows what I am sending and who I am sending it to.
I will write more letters and I will let more people know. And, if my voice is
still not heard, one day I will go door to door as well. I am a victim of our
current government's policy and the organization that they have put in charge of
our public policy and I believe that our voices need to be heard. |
|
| found a rat | July 28, 2010 1:12:21 PM |
| @Adrian. your comments appear to be a fishing expedition from MPI looking for
ways people use to battle MPI other than the media. MPI rep are we. |
|
| John | July 28, 2010 8:24:14 AM |
| Get a life. MPI is great. |
|
| Adrian | July 20, 2010 7:14:19 PM |
I was quite surprised (in a good way) to find this website.
My name is Adrian and I'm 24 years old. I'm an army reservist and have been for
7 years now as well as a recent university graduate. I used to live an active
life, playing sports and jogging on a regular basis. I also used to complete the
Battle Fitness Test (13km weighted march followed by a fireman carry) as part of
my employment.
In October 2008 I was driving my friends home as the designated driver, when a
drunk driver crossed the grass median and hit our car right on my door. The
extent of my injuries was a fractured pelvis, fractured femur, fractured
tailbone, fractured hip, collapsed lung, and a broken rib, along with the damage
from the glass shards that became embedded in the left side of my face.
After a year of physiotherapy and another year of athletic therapy I have
reached a plateau and am at the peak of my healing. I still have scars along the
left side of my face. I still have scars from the impact and surgery on my left
leg. I still have two metal rods in my left leg that will not be removed.
Although I have regained the ability to walk due to two years of hard work, I
will still not be able to run, play sports, complete the fitness test (which is
hindering my employment), or do many other things that were part of my everyday
life.
I am currently dealing with MPI's final disability compensation policy only to
find out how inadequate it really is.
- They will not approve massage therapy to deal with pain
- They will not compensate whatsoever for pain and suffering
- They will not compensate for the things that I cannot do as a result of my leg
beyond measuring what range of motion loss I have in my left leg
- When measuring range of motion, they will not compare the range of motion
against the good leg to compensate for individual flexibility and strength
- When dealing with my difficulty obtaining employment and possible future
medical release from my job they will only "Look at the jobs that I can still
do, not what jobs I can't do"
- If at any point I become mensurable by private insurance due to my leg
condition, they will not offer any compensation or alternative
- When considering my permanent disability they will not take my age into
account, the fact that I'm only 24 years old, did nothing wrong, and have to
deal with this decline in quality of life for the rest of my life
I recently wrote a 4 page letter about all these inequalities and sent it to the
Winnipeg Free Press, Winnipeg Sun, CBC, CTV, MADD, My member of parliament, the
Manitoba Premier, Steven Fletcher, MPI Minister, MPI Board of Directors and MPI
Executive. The response was rather disappointing and nearing non-existence. I
will continue to re-send the letter to the following people as well as add the
Prime Minister, more members of Cabinet, and the 5th Estate to my distribution
list. If anyone has any ideas of more people to send the letter to, or other
ways to see results, please let me know. |
|
| Carlyn | July 17, 2010 10:02:23 AM |
"Shuffle the file"
Dealing with MPI case manager (CM)re: bodily injury. CM denies coverage for
several things, will not discuss. "That is our decision. If you disagree, file
an application for review." I apply for review, and later call the CM to
discuss something else. Surprisingly, they're friendly and agreeable, and we're
having a relaxed conversation. After several minutes, they say that they can't
answer my question - they no longer have access to my file. It's been
transferred to ... I call them, and they say they're just a file babysitter
while the issue's under review. They can't make any decisions on treatment and
such. That still needs to be considered by a case manager.
So the whole conversation with the CM was a wasted effort, and none of it goes
into the file?
Review officer sends file back to original CM for reconsideration due to
additional medical information submitted, and I go back to him for a few
months. Decision comes back and is the same. Apply for another review. File is
transferred back to the babysitter of files. One day I get a letter from a CM I
don't know, stating that further visits with a practitioner are approved. I
assume they're my new CM, and try to call them... four times over two weeks.
None of the calls are returned. Finally call the general number to find out who
on earth is handling my file, and find out it's not the person I've been trying
to get hold of.
Why would MPI switch case/file managers so often? Seems like an attempt to
confuse, that would serve little purpose in the long run. Does this make any
sense? And why doesn't the person who sent the letter return phone calls?
Just another "argh!!!!" in the process. |
|
| Carlyn | July 17, 2010 10:01:56 AM |
"The significant decrease is largely attributable to a $78.2 million decrease
in bodily injury claims."
Because there were less accidents, or because they terminated and/or denied
coverage for legitimate claims?
"If approved by the PUB, policy holders can expect to receive a cheque in the
spring of 2011 of about $115 on average."
That will compensate for about two visits with a physiotherapist not funded by
the corporation.
In principle, it's great that MPI can generate a profit and give money back to
policy holders. In actuality, when one realizes the high human cost of getting
these rebates, not so great. |
|
| Manitoba Public Insurance Corporation | July 16, 2010 8:39:26 AM |
MPI reports strong first quarter
Read the full story
Post your comments here
http://www.winnipegfreepress.com/breakingnews/MPI-reports-positive-net-income-98450634.html |
|
| Carlyn | July 7, 2010 7:34:25 AM |
Becky,
Often we purchase insurance and don't realize what's covered and what's not,
until we end up in a situation where we NEED it and it's not there.
Please read your policies for MPI and private insurance carefully. Private
insurance often doesn't cover unless you're hospitalized. What if you have to
work reduced hours? What about payments to care providers not covered by MB
Health like chiro, physio? Braces, supports, ergonomic equipment, etc. that
will help you to return to work without complicating injuries or delaying
healing? Graduated return to work with supplementation for reduced income?
Ergonomics as_sessments?
These questions often don't occur to us until we're in a situation where we
need help, and find resources lacking. While MPI doesn't volunteer information
about coverage limits for injury and the above items, they do publish
information about the PIPP program, which is supposed to help us get back to
where we were pre-accident. All of the above MAY be covered through an MPI
claim, provided injury warrants it and there is medical documentation to show
that it is required.
As already stated by another, private or employer-paid insurance often won't
kick in when MPI or WCB are involved, at the very least until you've exhausted
all possible options with MPI and/or WCB. It becomes a battle to figure out who
pays, when the focus should be on getting better, not fighting for the ability
to get better.
MPI and WCB hope people will just give up, and they at times make it very
difficult to get help. "we don't have anything on file that supports that" "you
don't qualify" "based on the balance of probabilities, symptoms will resolve
without further treatment..." It becomes a nightmare to figure out who needs to
tell them what so that we can get the treatment we need. It's a waiting game,
and they're paid to delay us until we give up. We have to go to our paid jobs
if we're capable, and still find energy to fight for help so we can continue
healing. It's one way they attempt to weed out the serious from the abusers,
but it serves a secondary purpose of causing many who need the help to give up
because they can't find the mental, emotional, physical energy to continue the
battle.
As for how MPI 'saves money' on automobile claims, there is information about
that too on this blog - scroll down and look at past posts. The emphasis is on
physical injury of necessity. See, once you're injured and fighting the battle
with mightly MPI, the car becomes the least of your worries. You realise very
quickly that a car is replaceable. A life (or quality of life) is not! |
|
| deadmeat | July 7, 2010 12:27:27 AM |
| Dear Becky , you might be in for a surprise with your private insurance because
when MPIC is involved our WCB your private insurance may refuse to pay unless
you were injured at home! Make sure to find out or you might be the person on
this blog crying about not getting paid ! GOOD LUCK!!!!!!!!! |
|
| Informative | July 6, 2010 11:35:31 PM |
Anyone Have any information on the LSAB? (Licence Suspension Appeal Board)??????
Thanks in advance |
|
| Becky M | July 5, 2010 10:34:02 AM |
I found your site when searching for something else, and was interested to see
what our insurance system is lacking. However, your focus seems to be entirely
on the effect physical injuries have had on people, and their lack of income
resulting from this.
I'm baffled that MPI would pay ANYTHING towards this. They insure CARS.
Through my employer, I have purchased death and dismemberment, and short and
long-term disability insurance, for my entire family. I would never have even
thought that my car insurance should somehow compensate me for the physical
effects of a car accident.
If there is information on your website on how MPI is swindling people in
regards to their cars, then I'm interested.
Hoping this doesn't ruffle any feathers!
Thank you,
Becky |
|
| Deadmeat | July 2, 2010 2:38:42 AM |
| thank you carlyn |
|
| Carlyn | June 25, 2010 7:46:09 AM |
deadmeat,
There are several other resources besides MPI. Sometimes there is a wait, but
there is a way. Do not give up hope. It is powerful, and makes a significant
difference in recovery from soft tissue injury.
Have you gone to the public health/as sistance system? Disability/social a
ssistance $, community food banks, counselling/psychiatric as sistance through
MB health or a community resourse like Klinic or crisis lines (see the front
pages of the phone book). They may be able to point you to other resources.
Even if MPI delays decision or assistance, you do not have to sit and wait.
Fight for recovery, and for your family. Do exercises/home therapy you were
given, and do your best with what's available to you.
If you keep feeling desperate and despondent, check yourself into a hospital
until you get the psychological help you need. Pride is worthless in these
situations. |
|
| deadmeat | June 24, 2010 12:43:45 AM |
| Well it would seem that i have reached the end of my ability to continue
fighting MPIC!I am financially ,emotionally, crushed with no more options to
wait any longer for an appeal with the automobile commission after 6 years of
waiting! I am having a very hard time to see a purpose in waking up every
morning! I long for the life i once had and the feeling of self-worth! I am
ashamed of not being able to provide a stable environment for my wife and
children and the basics of live.[e.g food,hydro was cut off,not enough money to
pay bills]. Creditors about to garnish my our income to make things worse,
People this is reality when you are forced to deal with MPIC over your long
term injuries and their denial of responsibility! This is what MPIC hopes will
happen to its claimants so we will return to work instead of losing everything
you spent your life building for your family! I would like to now if there was
someone out their that can help individuals like myself,support groups,
financial help, i hate like $%!#* to be forced to wait another 6 months or more
for a hearing! |
|
| Scott S | June 15, 2010 2:20:33 PM |
Why does no one read their wording book from MPI? I'm not hear to say anything
bad cause I've seen and heard first hand how MPI & DVL handle complicated claims
or issues but the answer has been in the book for a few years now! You want
lawyers to have a chance against MPI but its legislated, until the government
stops backing MPI there's no use for lawyers to get involved.
I live in Alberta so I never needed to make a big deal about it but anyway here
we go:
-Manitoba Public Insurance was legislated into law in 1971.
-(page 6 of wording booklet) "The terms and conditions of Autopac coverage and
Manitoba Public Insurance responsibilities are law" every thing they say in this
wording booklet is what MPI considers law in Manitoba.
-(page 12 of wording booklet) under the "did you know?" section, "MPI is
committed to:Guaranteeing all Manitobans access to basic automobile insurance."
So has anyone on here had their vehicle insurance canceled or can not get their
insurance renewed due to the immobilizer program? MPI, by law, cannot deny any
Manitoba resident access to insurance for their vehicle, once MPI does that they
have broken the law. Once they do that people, I mean lawyers, can fight to have
legislation changed or thrown out.
Also, on MPI'S website, it states that MPI, as per the recommendations which led
to MPI being legislated, must commit 85 cents from every dollar it takes in to
paying claims and or benefits. This means that MPI's little argument over
whether the premiums collected from increased TPL or lower deductible's are not
public knowledge is a total load! Every penny MPI collects is a matter of public
interest and has to be released to the public! And MPI is a non for profit corp.
that relies on public monies to operate, that means any extra money not going
towards claims, benefits, or salaries must be returned to the policy holders.
The information people need to make changes to MPI or dissolve it are out there,
most of it on their own website! |
|
| Val | June 14, 2010 11:00:31 PM |
| Bob, unless you got money for an actual lawyer get help from the CAO. You can
trust the CAO and you can trust AICAC as well but if you represent yourself and
are incompetent or do a poor job you shouldn't expect the appeal commission to
help you out. |
|
| bob | June 14, 2010 6:21:45 PM |
| So guys i am currently appealling a decision from Mpi I need some advice should
I use the CLAIMANT ADVISORY OFF or not,are they going to drag my case out for
years.Are they trustworthy.Thanks for any advice or if you been there would
like to here how it went.Thanks people don't give up the fight. |
|
| What will they do | June 12, 2010 11:37:57 AM |
| What will they do.... Update
Thanks go out to Mac and snowed_in. For your thoughtful and insightful comments. Received confirmation
that claim will be honored even though my insurance had lapsed. MPI did in fact take over a
month to make a decision while they verified statements. A special thanks goes out to Common SENCE
Although my request was specifically for direction and any precedents a lecture certainly made me take
notice and had me thinking that I might LOOSE.... A lesser person might think of you as an $%!#* ...
but not me... That being said may I make a suggestion to you COMMON DENCE. The internet is an
awesome learning tool and provides great forums such as this blog. Try GOOGLING... Spell Checker.
It may add credibility to your statements.
Again thanks to the person(s) involved in providing this forum.
Regards,
What will they do |
|
| DEADMEAT | June 8, 2010 3:28:03 PM |
| Want to know how MPI will make sure to delay your hearing? Here is one
example,I filed for an application for review of injury claim decision Dated
June of 2004 and finally received a decision in May of 2010!!!!!!!!!!!!!!!
Apparently my applications were conveniently overlooked in the internal review
office FOR THE LAST SIX F-ING YEARS but they apologize for the late delay in
responding to my request for review! ''THATS IT'' THIS IS ALL I GET FOR WAITING
AND LOSING 6 YEARS! I know for a fact that L.NIXON has had my file on his/her
desk since Nov/Dec and i guess 6 six years or 6 months seems to be the magic
number despite years of requests for a answer from my claimant advisor,so that
we can move forward in my appeal at the automobile appeal commission! WHY are
we force to endure so much pain and misery at the hands of our own government!
I am beginning to think that the Sword WOULD BE MIGHTYER THAN THE PEN! |
|
| MEDIA | June 2, 2010 9:20:54 AM |
| i read some where we should go to the media !! I dont want to burst any
bubbles !! went to the daily graphic the winnipeg sun the winnipeg free
press.. two guys from daily graphic in portage show up at my house start
asking a bunch of questions taking pictures of my deformed right heel and my
good heel. i show them 100 lbs of paper work from this MVA. I have yet to see
a story on this . IF!!!! you ask me the media is very one sided on the mpic
thing. as for getting in touch with GOVERNMENT peoples good luck also all i
ever got back for a reply is ( sorry to hear about your misfortune cant help
you ) thats what happens when you ask the government to help you.BUT let them
find out you were stealing food to feed the kids theyll prosecute you with a
vengeance.then theyll blame it on poverty.No one will open thier eyes to look
at the big picture to see what makes a hard working person to take action in to
his own hands.They dont want to look at the fact that all was well or the fact
a person was holding his own not getting rich but holding his own. before he
went to MPIC..One person had said WE should get togeter for a sit in at the
ledg building how bout we all meet at mpic portage la prairie mb im sure if
we can stick togeter.. the Media wont be able to hide. it sure beats setting in
front of your computer thinking about it. |
|
| steve timony | June 2, 2010 8:50:36 AM |
| I would ask that you not show my real name and e-mail address please..i'm
looking for some information regarding sueing MPIC acting in bad faith.. was
hurt in 2003 spent a year and a half fighting mpic in courts. finaly winning.
i am presently getting iri for the last two years. however i still have to
date not recieved my permanent impairment check.i phoned mpic portage la
prairie.was told they havent even read my file. is it just me but they have my
file since2003. they have x rays from 2003. My x-rays show a gap in my right
heel which i got when i fell off a load of hay.then i went to physyo for 24
visits; i have been conditionally discharged for about a year. i have all my
papers from the first day i wrote a statement at mpic .just wondering how do i
get these people in to court. I really dont want a LAWYER been there done
that. they got most of everything last time. Can i myself go to court and have
MPIC brought forward to court on all this. |
|
| curious | May 28, 2010 10:27:23 PM |
James,
Thank you for the explanation. It is appreciated. The post about write-offs is
still on the blog, further back in time than I thought. Apologies for the
misunderstanding.
It's hard to know who to trust, isn't it? If I were an MPI adjuster, would I
have offered information to help claimants? If you do work for MPI, I certainly hope you would help your customers. Unfortunately, MPI is a monopoly protected by "the law" so the customer means nothing. It would be in your best interest to "screw" the customer so they don't "flag you" for paying out too much. Asked questions looking for
assistance/feedback as I have? In the end, you'll believe what you choose to
believe. And if you choose to delete my posts, it's your blog, and your choice.
If you want to take this conversation to private email, use the email address
associated with this post, which you obviously have access to. |
|
| BOB | May 28, 2010 5:11:40 PM |
| Way to go James.Who knows who works for MPIC or not.Then again who cares!As
long as you are not giving out your personal info on here say what you want
it's not going to make any difference in your fight with MPIC anyway. |
|
| curious | May 28, 2010 8:03:49 AM |
Obviously I pushed a button. I WAS just curious (and 'just me' too. :)).
Yes, some comments do disappear. We get requests from
people to remove their comments because they no longer want them visible
on the blog. We also get requests from people who don't want their email
address, phone number or name visible. There is no "edit" feature on
this blog so some people request to have their comments changed.
Spammers post thousands of comments full of links and email addresses to
this blog for various products (Viagra, Cialis, etc.), so by default, we
hide ALL posts even if they only have one link in them. Comments are
moderated when time permits, and if the post is not spam, it is
"flagged" as visible and shows up on the view blog page right away.
This very post will disappear in the near future. Why? Because search
engines crawl this site daily and to have them evaluate the comments in
this particular post will only help to lower our page rank. This post
has nothing to do with MPI so it needs to be moved to a FAQ page.
If you read the deleted posts and the ones that remain, you'll see that I have
never been malicious or deceptive... just trying to maintain a drop of
anonymity since MPI reads this blog, while sharing tips and looking for some
insight into the process.
Maybe the word "write-off" or a variant was not used, but the substance of the
post was how to get maximum value for a vehicle MPI decides not to fix.
I re-checked our entire database of deleted posts (going back to day 1 of this blog) and can say beyond a shadow of a doubt that there are no deleted post(s) dealing with "how to get maximum value for a vehicle MPI decides not to fix".
If this blog's intent is to help others, why do posts that irrationally slam
MPI without providing useful information remain, where posts with information
that could be useful to the average claimant are deleted? Thus the question
from my last post.
For a moment there, you sounded just like an MPI adjuster. Is that why you won't communicate with me via private email?
You don't want me here, fine, I leave. I think I've reached 'maximum
therapeutic value'.
And no, you won't get my real name. I don't share personal information publicly
online - no matter how good people state their intention to be.
Our intentions are clear: Winnipeg Free Press - November 2, 2008. It's your intentions I question.
James Rowe |
|
| curious | May 27, 2010 6:55:33 PM |
One was about how to get the most for a writeoff. Another asked about Victims
Against No Fault. Probably more, I just noticed those ones disappeared lately.
1. There are NO posts with the word "write", "write-off", "write off", "writ" or "off" in them that have been deleted since the creation of this blog (2007-07-23).
2. Why do you use different names (snowed_in, just me, curious) with the identical email address when you post? Is someone impersonating you? Stealing your identity? Let me know and I'll block their IP addresses PERMANENTLY.
3. When you signed in as "snowed-in-wpg@yahoo.ca" and as "123@yahoo.ca" you blew it. Yahoo doesn't allow email addresses with hyphens in them nor do they allow an email to start with anything except a letter.
Why should MPI Sucks display posts from people that give us FAKE email addresses?
You can send me an email from your REAL email address if you would like to discuss this matter further. My REAL name is James Rowe and My REAL email address is: james@jamesrowe.org |
|
| Q | May 26, 2010 3:30:14 PM |
| Curious, which ones didn't stay? |
|
| curious | May 22, 2010 5:49:22 PM |
| Why do some posts disappear from the blog, and others stay? |
|
| Mac | May 20, 2010 6:16:18 PM |
To: common "sence":
While you are correct about MPIC and in-house lawyers, you are incorrect
regarding "what will they do's" problem. He does (and did) possess a drivers
licence. It was current insurance that he lacked, and there is the possibility
(but only the possibility)that he can successfully demonstrate oversight, not
intent (to drive without insurance).
Mac |
|
| common sence | May 14, 2010 12:32:53 PM |
| hey,"what will they do" you talk tough about "lawyering up". The fact of the
matter is you where driving without a licence, so if MPI says NO then that's
that. A lawyer will take your case and your money then you'll loose. Why ?
CAUSE YOU HAD NO LICENCE. MPI is paying their lawyer's regarless so it's not
costing them anything. They use in house lawyers on their payroll they don't go
out and hire one for your case alone. |
|
| snowed_in | May 10, 2010 12:39:29 PM |
For "What will they do?":
Sometimes the adjuster won't commit to a position until it's officially
confirmed. I expect that they wouldn't want to appear too ready to make an
exception. I also expect that they would treat you reasonably, considering that
it was apparently an isolated incident.
Try not to stress about it until you know for sure. |
|
| What will they do ? | May 9, 2010 1:04:47 PM |
Mac
Thanks for your comments..... I was afraid of that.
I was not getting a good vibe from the adjuster. He deferred it for two weeks, While they make a decision.
My hope is that I do not have to go the lawyer route. I am prepared however to follow that course of
action. At this moment I am prepared to throw some money at this depending on where their estimate
comes in and if MPI has to lawyer up. I expect them to spend as much if not more than the value of the
claim. Mac I will keep you and the board apprised as to how this unfolds over the next few weeks.
Thanks again for your quick response to my query.
What will they do |
|
| Mac | May 9, 2010 11:02:39 AM |
to: What will they do ?
Unfortunately, the facts are (according to you) that you were driving a vehicle
without current insurance coverage, period. That said, you might be successful
in demonstrating that this was an unfortunate oversight with extremely bad
timing. My guess is that you could show that for thirty years straight, you've
never missed renewing your coverage, with this one exception (you did say that
you'd never missed before). You could initially make this representation to
MPI, and who knows, maybe they'll accept it. If they don't (likely with MPI),
then you'd probably need legal assistance who should know how and to whom to
make your next presentation (hopefully, to some org at arms length from MPI).
Good luck , and keep us posted. |
|
| What will they do ? | May 8, 2010 11:01:12 PM |
| So here's the deal. Hoping someone on the site can enlighten me. Got into an accident the other day.
No injuries,significant damage to both vehicles. Other driver has rightly claimed 100% responsibility for
causing the accident. Problem is I call in to report the accident. Due to an oversight insurance has lapsed
on my vehicle.When I am informed of this we immediately make payment. No BS...this is the first time in
30 years we were late. I go to see adjuster he informs me that now they will take it under advisement
whether or not they will repair my vehicle..... OUCH....Question for your followers.
How do I proceed ? What kind of recourse do I have if any ? Any precedents I can use on my behalf ?
Thanks in advance.....
What will they do....... |
|
| Taylor | May 8, 2010 10:46:01 PM |
| Sorry i ment March 22/2011 !!!!!!!!!!!!!!!!!!!!!! |
|
| Taylor | May 8, 2010 10:45:24 PM |
| Mac, I also recived a letter in the mail stating that my Drivers Licence and
right to insure a vehicle has been suspended untill March 22/2010.... I phoned
the call center and they couldnt tell me a thing, what the eff are they working
for MPIC if they cant answer a question regarding one of their
letters??????????????????? I say they just honestly couldn't give a F**K |
|
| mac | May 7, 2010 12:54:36 PM |
| mac to s.mac. you are coorect with your second post about holding out for
more$$. On your second post, if you don't want your car to be a right off then
hold out. State that mpi damaged your car further and you should not be held
ransom for something that mpi did, not you or someone else.Just complain in the
correct way. Don't get angry with them they will just make your life difficult.
Understand that things happen blah,blah,blah and you really want the car fixed
cause of......? |
|
| snowed_in | May 6, 2010 3:59:42 PM |
S.Mac:
Yours experience is shocking. The tow truck driver should have informed you
that the lug nuts needed to be retightened after driving a short distance
(before highway driving), and MPI should be accountable for the additional
damage that was caused while the vehicle was in their care. The silver lining
is that no one was seriously hurt in this incident.
Re: Car valuation for a write-off - valuable advice I was given from someone
who dealt with MPI numerous times regarding older vehicles they were not
willing to repair was to KNOW what it will cost to replace your vehicle. Find
and copy similar listings from MB and SK. Gather receipts for recent repairs.
Present them to your adjuster. Do not settle too quickly.
My car was nearly 17 years old, not in their blue or red book, and the adjuster
said that the maximum value was $1,500, regardless of low mileage or condition
of the vehicle. He 'generously' gave me a token amount on top of that due to
recent repairs. Comparable listings averaged well over $2,200 for vehicles in
worse shape or with higher mileage than mine.
I presented the comparison listings to my adjuster and was told that he had
already offered me the most he could. My only option was to go to arbitration.
I asked to speak to his supervisor, and was told that if I presented my
arbitration paperwork, he would have his supervisor review my "final offer"
before it went to arbitration. If he felt it was reasonable, they would cut me
a cheque.
I downgraged my valuation marginally from the average listing price to avoid
the hassle of going to arbitration, and presented my case with facts and
figures to back the number requested. I walked away with over $500 more than
the highest amount my adjuster said he could give me.
It pays to be informed. |
|
| Michael Poe | May 6, 2010 3:21:20 PM |
| Taylor,
You say,"the claim advisor for help they will fight for you for free and
honestly"
The Claimant Advisor Office (C.A.O) are paid by M.P.I.C!
Free and honestly!
No way!
F.I.P.P.A the C.A.O 2 asked where the their $$$ comes from.
Plus many ppl complaints are file aganisn't them.
1) 4 acting in bad faith.
2) iilegal recondings, fax, phone calls C.A.O hands over 2 M.P.I.C! |
|
| Michael Poe | May 6, 2010 2:43:49 PM |
| HEY EVERYONE!
'WE' need everyone 2 stand up 2 sue M.P.I.C 4 Acting In Bad Faith!!
If u hav the prove 2 which anyone one can read @ say YES, M.P.I.C is
breaking the law (as I do).
As I am one person (injuryed-M.V.A) I want and need more ppl 4 a class-
action-lawsuit.
If u do hav the paper work, recored phone calls, faxs to back you up then
tell me so we and I will reach out 2 help u and everyone else as well as I can!
Make no mistake M.P.I.C will HUNT u down 2 destory/ hurt u, your famliy,
your wife, husband, your partner and yes even your children!!!
M.P.I.C is rich with money, power, greed!!
You will be making the devil (M.P.I.C) come to rape you (of ur rights)
faster, harder then before.
EVERYONE ITS TIME TO SCREAM 'NO MORE'
I will check back for updates from 'you'
-MP |
|
| S.Mac | May 5, 2010 4:38:18 PM |
| Ok everyone, here is a doozie for ya! It all starts with supposed people who are licenced to do a job for
your safety! I had CAA change my flat tire, 20 days later it falls off while I'm driving at 100 km/h on the
highway. Of course it damaged my fender and wheel-well, and the rotor which it landed on. It also
caused major damage to another vehicle travelling in the opposite direction, luckily that guy wasn't
hurt! Eventually it gets towed to the MPI compound where it is to be estimated. In the process of
moving my vehicle around their compound they damage it further after the initial $1600 estimate! My
autobody guy told me he was shocked when the tow-truck driver showed up with a donut on the
vehicle that is not meant for it! THEY TOWED IT ALL THAT WAY ON A DONUT AND STRIPPED THE WHEEL
POSTS!! The driver said they were cleaning house in the compound and needed to move it around so
they just slapped on a donut!! Then some woman phones me that I have never talked to before and
says they are writing it off!! All this time I'm thinking that my vehicle is being fixed, but because MPI
damaged it further the body shop guy needed to try and find more parts and possibly send the vehicle
elsewhere for that work. MPI damaged the vehicle to the tune of $3400 on top of the already $1600,
and on the phone that woman couldn't even tell me what the other damage was, plus she gave a shpeil
about how sometimes they can't see all the damage initially! THE WHEEL POSTS and related parts are in
plain view without the tire there! And the battle begins!!! Because my counter offer to their paltry sum
is too much for them it's off to arbitration!! Anyone know a good lawyer to fight these crooks!! |
|
| claudia | May 4, 2010 11:05:37 PM |
| I believe that there's a previous post on this website, a couple of years ago,
that talked about Dr. MacKay. In my opinion Dr. MacKay is unethical. |
|
| know first hand | May 4, 2010 2:44:04 PM |
| MacKay is a slime. He will always lick the hand that feeds him and cow-tow to
the insurer which holds the umbrella that protects his pathetic rear-end. |
|
| carmen | May 3, 2010 7:57:29 PM |
| Has anybody had a positive decision from Dr. MacKay? |
|
| mac | May 3, 2010 4:45:38 PM |
| so why don't you call and find out why instead of bitching about it on here!
maybe there was a clerk error or something. poeple who work at goverment places
are people,people who make mistakes just like you. |
|
| Taylor | May 2, 2010 2:32:44 PM |
| I got a letter yesterday from MPIC saying my account is overdue by four hundred
dollars.... i have no i f**king dea why i owe them this i would say that
someone on mpi is on crack and needs to be checked out seriuosly! |
|
| Little P | April 27, 2010 3:10:50 PM |
| Deadmeat...everything you said I can relate to and it's so sad to think about
all the people like us that suffer. Worst of all is that I have little
children, a spinal cord injury and they still cut me off and ran me through the
system. I'm still fighting but like you said trying to keep the emotion out of
it cause the chronic pain does get worse. We need to keep fighting and continue
our battle so that one day things will change. |
|
| mac | April 27, 2010 12:24:03 PM |
| hey joe. to finish off, if MPI lost 10% they wouldn't even feel it. They make
so much money on investments and other ave.
If people writting on here really want to change the way things are done at MPI
then the only was is to put pressure on the goverment. I'll let you figue out
how to do that. So if no one wants to put in the effort to do this quit your
complaining and stop writting on here. |
|
| mac | April 24, 2010 11:46:58 AM |
| hey joe, the answer to your question is: the people of this provonce keep the
NDP in power which started MPI in the first place. What MPI want above all else
is control that's why they took over the driver's licences. They don't care
about nothing else but control. |
|
| me too | April 22, 2010 7:51:45 PM |
Interesting: I went to an MD who also acts as consultant for MPI, through my
MD's referral, not MPI. Took months to get appointment. Asked about TX
recommendations, and whether I should be back at physical job. MD said I will
know when I'm ready to go back, and it's not now. Pay attention to my body, do
what I'm capable of, and don't push it beyond that, but keep building.
Strengthen and stretch, and continue physio and acupuncture for trigger point
deactivation and mobility.
At follow up visit I asked if they would send MPI tx recommendations and what
was said about return to work, since MPI case mgr cut off $ for treatment and
IRI. Not willing. Danced around the question. Said if MPI requests info from
MD, it will be given, but won't give it at my request. When pressed to say
whether they would back me if I paid for the report as part of review process,
was told that it's not worth my $ or effort. MD could back me on subjective
complaints, could not provide the objective that MPI requires.
Recommendation changed to make do without the income, concentrate on doing what
I can to get better, especially the exercises (which I always do). Physio not
required indefinitely and acupuncture good, but MPI won't pay for it. Don't let
self become angry and bitter, because that makes the pain worse, and, can cause
more long-term pain.
Interesting how the attitude changed once MD knew I wanted them to make
positive recommendation to MPI. They know what side their bread is buttered on. |
|
| just me | April 22, 2010 7:10:11 PM |
Tired of fighting. I know they want me to give up. Been warned that is one of
their tactics. Used to think I had the strength to fight for what's right. At
what cost?
MD says getting all worked up causes more pain, and statistically people who
are angry & feel hard done by are more likely to end up with chronic pain. I
either need to give up and make the best I can out of the crumbs of my life
that are left, or find a way to pursue justice while taking the emotion out.
Is that even possible?
Such an unfair system. Such uncaring people. Maybe they're victims of the
system too, and have to turn their emotions off to be able to do their job each
day. Sigh.... |
|
| joe | April 19, 2010 1:09:57 PM |
| to comment on your legal problem i found a company called PER PIAD LEGAL THAT I
THINK IS VERY GOOD TO DEAL WITH THEY DON"T GIVE OUT LEGAL AID TYPE LAWYER THESE
ARE HIGH DOLLAR GOOD LEGAL BACKING THIER NUMBER HERE IS 1-204-947-6582 IF THEY
CAN'T HELP THEY WILL DIRECT YOU TO SOMEONE THAT CAN THANKS HAVE A GOOD DAY |
|
| joe | April 19, 2010 12:58:03 PM |
| please contact me as to why the people of manitoba won't band together and put
an end to this so call good deal for the people pretty sad that your insurace
is run by an out of province body example sask insurance [sgi] talk to your
broker to find out. IS there not a law on monopolies in canada and do we not
have fredom of choice in our live or commrad has this country gone straight to
hell. is it not illegal from one body to be in charge of both your drives
licence and your insurance look at bc icbc holds you insurance and another body
deals with your licence. we the people put them there so we the people should
be able to take them out of office thats if we all got our stuff together
[sh.t] why don't we all just boycot mpi totally and go else where for our
plates and insurance you only hold a valid address there and i think most of us
have family or friends in other provinces to help with that if mpi lost 10
present of its money they would hurt. this is what my family is about to do
figure out the loss in money if people did this and it totally legal have a
good day |
|
| Deadmeat | April 15, 2010 12:43:33 AM |
| It is becoming very clear to me that MPI and their NO-FAULT system is designed
to force a disabled victim to suffer needlessly while waiting for a appeal
hearing! Let's review the facts: an adjuster can make a decision regarding your
work capacity and simply send you a letter stating MPIC'S favorite quote " on
the balance of probabilities" i could work while taking slow release narcotics!
Oh and don't forget their second favorite quote" you have the right to appeal"
but what most of us don't realize is the years it will take till you can get a
hearing! I am going on my 7th year now and i still don't have a hearing date,
the reason for the delay i am told is that for an answer to one question will
take MPIC'S review lawyers 3 to 6 months to come up with a reply!I brought my
argument to the minister responsible for MPI and told him that although an
adjuster can make a decision on your capabilities and we have the right to
appeal,the duration of waiting years for the appeal process needs to be
addressed immediately!I told him that in all fairness if MPIC is so confident
about their adjusters decision that mpi should continue to provide the
claimants IRI benefits UNTIL THE HEARING IS HEARED! Perhaps then claimants
would only wait 1 or 2 years for an appeal instead of almost a decade!! |
|
| Karen | April 11, 2010 1:23:43 AM |
| Why don't autopac workers not get laid off yet their workers get paid for their big fat $%!#* to sit in their brand new office they built on main steet what a waste |
|
| karen | April 10, 2010 10:02:17 PM |
| Autopac sucks we need to get private insurance like we do with homes and we pay up our $%!#* so they can screw us yet there is no value in a car like a house they are $%!#* in cominist we should be able to get car insurance from anyone not just them so how is canada a free country it not they scewed my mom over big time she ended up in a physc ward since then I lost my mom for good and she totally can't work to top it off a schoolbus hit her from behind and now she is worse then ever they are still dicking her around and that bus driver had children in it little ones she can't even sew the school for it yet what kind of school bus with little childen drives into people |
|
| taylor | March 31, 2010 8:20:47 PM |
| please be advised that people and investigators from MPI pretend to be your
friend on sites like these to get more information on you. To take your words
and turn them around on you. Always be very careful of the kind of questions
anyone asks you. Also I hired a lawyer to help me fight MPI well I am now
getting ti from both ends! if you are at the appeal part go to the claim
advisor for help they will fight for you for free and honestly.
Amen for a light at the end of a tunnel.
you can find the number on the government of mb web site. |
|
| taylor | March 31, 2010 8:13:46 PM |
| Something that the specail investigation department tells you but is NOT TRUE
at ALL is that they have the same rights as a police officer. They do not have
the same rights!! They are just investigator who have to abide by the law
themselves yet, they tell you different. No matter what they say to you do not
believe them!!! Also you do not have to answer their question(s) as you have
the right not to incrimate yourself. These investigators try to bully/scare you
into dropping your case! They also lie to your face about the information they
have. Just remember your do not need to go alone to the meeting take a lawyer
or a claim advisor or even a friend with you. The investigator takes another
person in the room when you meet. |
|
| taylor | March 31, 2010 8:06:43 PM |
| did you also know that going through an internal review is pointless but you
must follow this protocal! Then when they ask you if you would like a hearing
you might as well skip it and go directly to the appeal process! Did you know
that you can get help from the claim advisor for free of charge! This claim
advisor is NOT APART OF MPI DISPITE WHAT ANY LAWYER TELLS YOU!!
Also pain is becoming a thing that they will compensate you for. It is in the
very very new stages but it is coming into effect dispite what any case manager
at MPI may tell you! Like I have said it is very new. Also you will not get
anything for suffering which is a load of garbage. I wish we could sue or get
rid of MPI all together as they are evil in my opinion. They take our money to
pay for insurance and when you need it they do not want to pay! Or they used
the money to try and prove you do not need it!! They even have doctors who are
paid to agree with them! In this world one persons pain and another persons
pain are not equal. Also what one person thinks it uis mild another may think
it is severe or may think it is nothing at all, but MPI thinks everyone was
made by a cookie cutter and we are all the same. |
|
| jon | March 27, 2010 10:43:10 PM |
| In response to immobilzer problems I ahve had the same problems with batteries
going dead, am not the first a couple of friends have the same. Plus a couple
days after i had the thing installed it started plus blew the ficm 4 batteries,
command start, and 4 alternators all in a year with no help from anyone they it
is not immobilizer thanks mpi. I even made a claim to mpi to no avail |
|
| Landen | March 24, 2010 6:14:57 PM |
| 7 years ago my truck was stolen, smashed and returened.MPI said I smashed it
and wouldnt cover me the $40000 the truck was worth. Is it to late to fight
with a lawyer?? |
|
| Troy | March 18, 2010 8:41:10 PM |
| Yes Sabrina...they are all lawyers that are employed/paid by MPI... |
|
| Sabrina Sparks | March 18, 2010 3:20:53 PM |
| Are all MPI Internal reveiw Officers Solicitor's/Attorney,s working with MPI's
legal/Internal Reveiw Department? |
|
| Little P | March 15, 2010 3:46:58 PM |
Chester,
Just so you know there are lawyers in Winnipeg that will take on a case against
MPI depending on the scenario but be advised that they too are in for the
payout and you will be in a battle of a lifetime either way.
The only beneficial thing I found about hiring our lawyers is that MPI is more
willing to hear us out. Without them it was virtually impossible to get our
point across. We know we'll be paying them big bucks at the end of this LONG
journey but we're just praying it is worth it all just to get some justice.
Not sure if lawyers work with us or against us most of the time.
Good Luck and gain a lot of strength because MPI truely loves to suck the life
out of you when you compete against them . |
|
| Troy | March 13, 2010 7:46:08 PM |
| I was injured in a MVA last summer, multiple vehicles involved..sustained a
fractured neck vertabrai. 2 herniated disc in my neck, concussion etc...MPI only
gave me the very basic 26 visits physio, but also chiro at the same time..the 26
visits which included acupuncture were used up quickly resulting in filing an
internal review...where I succeeded to cat 2 physio 42 visits.which I should of
had to start with...I did not realize the 42 physio visits include the 26 I
already had..so here I am again paying my own way...and now received this Level
of Function questionaire with questions that have already been answered by my
caregivers...my family Doc, Surgeon, Physiotherapist and Chiropractor..
The questionaire does not appear to be an official MPI document, no form
numbers/dates on the bottom...would it affect my IRI if I don't complete it? I
am able to get around but far from returning to my work place which can be very
physically taxing...all my care givers cannot believe the difficulties Iam
having with this MPI Monster! |
|
| herb | March 9, 2010 3:32:45 PM |
| bought the replacement car insurance. what a waste, sub compact and at the first
offer for the car the rental is done.. |
|
| Chester | March 4, 2010 2:54:16 PM |
| Wow...came across this site looking for other "victims" of the mighty MPIC...
I'm in the middle of appealing to the AICAC right now...I need a lawyer, are
there any in Wpg that know their way around the BS ??? Give me names please I'm
running out of time. Thanks all..awesome info on here |
|
| Deadmeat | February 24, 2010 11:17:04 PM |
| Neil I thank you for your story and experience you have had with MPIC! I would
like to speak to in person if possible? |
|
| KAS | February 22, 2010 10:20:54 AM |
| Has anybody on here been having problems with their immobilizer sucking the
life out of the car battery? My fatherinlaw is on his 3rd battery in 4 years
ever since this piece of $%!#* was installed - if the car is allowed to sit for
more than 2 days, the battery is dead - have taken it back to installer and
says nothing wrong with it; funny it started having this problem only after the
immobilizer was installed. Of course MPIC wont do a damn thing about it. |
|
| snowed_in | February 22, 2010 9:28:30 AM |
Neil: Great attitude! Forward motion and positive action/thought are essential.
Also being prepared to stand ground, including hiring an advocate or a good
lawyer when necessary (though it's hard to find the energy and $$$). Your
experience shows that this process can be a learning experience that toughens
and refines us, and helps us to see what's truly important in our lives.
Sometimes we have taken those things for granted, and see their value only when
looking back from a place of loss. Sad, isn't it?
not so sure: For a simple claim, where there is no loss of income and injuries
can heal in short time, the system seems to work relatively well, and case
management staff seem reasonable. For more complex claims that include time
missed from work and/or long-term injuries, the case management unit can be
harsh to deal with, and the legislation is skewed. A criminal dealing with the
justice system has more rights than a claimant dealing with this insurance
system. They're innocent until proven guilty. We're guilty until we prove our
own innocence/truthfulness. It takes energy to prove our case, and this is a
precious resource. One of their main ploys seems to be throwing a lot of curve
balls. If they can wear us down and make us give up, it's a financial win for
them, at whatever cost to us.
It is essential to have medical backing for any claims we make. Our word means
little or nothing to MPI. The medical community they are more likely to
recognize. Not always, but more often than us as individuals. |
|
| DEADMEAT | February 22, 2010 12:23:26 AM |
| not so sure,perhaps you are one out of thousands that was treated properly in
your MVA! but fortunately you are not long term disabled from your
injuries!!!!!! This is where MPIC flushes you down the toilet because you are
now a dependent of the system and you will cost them a pile of money that they
will deny responsibility for! Your life will be a living $%!#* while they try to
dismiss your claim! As for mpic acceptance that your MVA was not your fault i
and amazed because i just had another accident and mpic deem me 50% responsible
for it and i had to fight threaten them that i would put it on cjob and only
then they said i was not at fault!This is what happened in the last mva, i was
driving home on a provincial hwy and i was about to turn left on the road i
live on when all of a sudden a car came through the stop sign and hit me in the
left front fender of my car causing $3000.00 damage.The only problem is that
the car was traveling in reverse,yes i said in reverse!!!! She was traveling
backwards doing 20 clicks, when through a stop sign and onto a hwy then stuck
my car and I'm 50% responsible? I want some of the stuff these adjusters are
smoking and after this experience i know for sure that mpic is out of
control!!!!!!!!!!!!!! |
|
| not so sure | February 21, 2010 10:29:24 AM |
| i was just in an accident on thursday and i had an older vehicle so its an
automatic write off... anyways, the adjuster and everyone i've talked to from
MPI has said its the other persons fault and i have gotten the courtesy vehicle
even though My insurance didnt cover it but the other parties insurance did so
they gave me what is called loss of vehicle benefit, also i was a bit injured
so they are helping me with the costs of physiotherapy and any medications i
need. im just wondering why people are thinking mpi is so bad? |
|
| ripped off | February 20, 2010 9:15:50 AM |
| hi neil, how do we get ahold of u, would like to speak with u on my claim thx. |
|
| pen15 | February 15, 2010 1:00:40 PM |
| Hello to all the nice Manitobans! Just lookin for some rule books on what we
can and cannot blog about? Are we allowed to reveal names of previous MPI
adjusters! and their behaviours, mannerisms, etc.etc! cuz my kind of heads up
will help someone along the way! |
|
| pen15 | February 15, 2010 12:56:32 PM |
| Lets talk about another breach of trust! Upon my release from incarceration,
usually followed up by a probation official. This dudes name Jim Malenchak.
Well Jim, you did me no fruken favors you imbecill! Following my meeting to
whom I thought would be pointing me in the right direction! I had specified
some interest in retaining my drivers abstract, which is something I assumed
was available in one location. It was in my best interest to follow my no
contact orders with the MPI employees. In his opinion, he could not see why
that was not attainable..All apeared to be okay, had renewed my license and
soon would follow my query into my drivers abstract. Which the gentleman
working that day did not know how to oblige my request..Then the woman who knew
how to do this, told both me and my mother to leave...and that we were
breaching! Dont know how many transactions all you folks have done but once you
take the money, the balance of the transaction should follow! You suck Jim!! |
|
| pen15 | February 15, 2010 12:21:19 PM |
| Some of MPIC's dirtyest secrets will not be found here! Unfortunately, they
are in a place where joe blow public does not have access to. Like court
transcripts,police reports, and numerous other areas of "govrnment"interest! To
me this makes no rational sense. From what we are made to believe is that MPIC
is a co-operation, yet previous to that title is Manitoba Public. Seems to be a
wee bit contradictory! We, as the public have a right to know..Yet, despite the
title...we are told MPI business is that of their own. Now, I have spent more
time in a court room than I would ever admit to, and yes behind closed
doors,with few members of my family and of couse people of MPI.Thought it would
be safe to assume that the judge was the most honest one in attendance,but
after several moments after, I was the most honest. She was a younger woman to
be held in a higher regard and integrity! Her name Judge Jean McBride!
Essentially she holds the key to the community and yes all the cell blocks.
Because there was a criminal involvement in my appearance, I suppose almost
anything can be said with limited conversation on my behalf. Very frustrating
that they can use any means they want to paint the picture.Remember we are
dealing with another Manitoba joke, the justice system! So, in the courtroom I
sit, and to my further dismay...The prosecuter had said that I had developed
this web site. Wasnt allowed to dispute that because now they were telling me
what I had done..They said I planted an incinderary device, what was I gonna
say? It was a jug of water! Which it was! And after my arrest, I was put in a
very dirty place..Okay, so let it be! To later find out after they took my
shoes,the wet mass on the floor was someone elses urine and blood. I have yet
to explain how I let the antics of MPI, pushed someone of my nature thus far.
Not sure if its in the best interest of Manitobans that I do that! But it is! I
would encourage anyone who has interest in this to contribute in some regard! |
|
| Neil | February 5, 2010 2:30:29 PM |
| i also was involved in a mva in 2005. they dragged me and my family through
court for two year. when i was found not guilty. all of a sudden i found that
mpi treited me totally differant. get a laywer and fight back. cause if you
dont you will get screwed over like so many people i have talked to that have
been in mva's. stay possitive and keep fighting. take it from someone how has
been through it. my family needed me more the ever and you can't give up. i'm
in pain every day and i went off the pain killers and took the pain it reminds
me i'm still alive and i will rest when i die. until then i turned my pain and
anger into a possitive and i'm fighting back 5 years later i have gone and
retrained for a new carreer and i've been back at work for 9 months now. its
been one of the hardest things i've ever been through, but im a stronger person
for it today. start by focusing on being thankful for being alive. and go from
there. find yourself a support group, we might be men, but we need help to once
and awhile. i know i did. if you ever need to talk send me an email. I KNOW MY
LIFE HAS CHANGED BUT I'M GOING TO MAKE SURE ITS FOR THE BETTER. I KNOW WHAT
CREDITERS ARE TO, BELIEVE ME THEY CAN BE RELENTLESS. MY BODY WILL NEVER BE THE
SAME,I'VE COME TO HANDLE THE PAIN, I'VE EVEN BEEN THROUGH A DIVORCE BECAUSE OF
IT. BUT I NEED TO BE STRONGGER SO MY CHILDREN CAN BE HAPPY AND THEY ARE NOW. |
|
| Deadmeat | February 3, 2010 2:09:00 AM |
| I have know realized that the true victims of my mva are the people I care
about most, my wife and my children!It was so easy for me to mask my physical
pain with narcotics and hide from the emotions of excepting my disability!My
wife and children lost their husband and father in that accident 10 years ago
because I became a different person altogether! I became consumed with hate and
sorrow and I was not equipped mentally to deal with the turmoil that ensued
after my mva! I found a letter that my son wrote for a school project when he
was 8 years old and he outlined all the injustices his father suffered at the
hands of mpic and more importantly his pain of the loss of the father he once
admired instead of the drug induced father he now has to see! I did not realize
the information a young mind could absorb while I coped with my disability and
voiced my dissatisfaction with mpic!He is now 16 and the turmoil is still
present every day as bill collectors phone repeatedly and that we are forced to
sell our family home! There is no way to express the injuries we have suffered
by MPIC! Why do we have to continue to suffer while MPI boast a THIRTY MILLION
DOLLAR PROFIT! I paid for an insurance to cover my losses in a mva and I
expected to be treated with some dignity and respect! I was told that on the
balance probabilities,I could return to work while taking slow release
narcotics! I called the drivers licensing and they told me that if i was
involved in another accident while taking narcotics I would be charged for all
costs since I was driving while impaired! Can somebody tell me how they are
allowed to do this as a reason to terminate my benefits! And i would like to
know why it takes over six years to get an appeal date?I would like for this
nightmare to end for the sake of my family! |
|
| Needing Help | February 2, 2010 5:14:08 PM |
Hi, my friend was riding his bike down a back lane about 5 years ago, when a
cabbie hit him, and he went through the windshield. He then developed a mental
illness and other injuries from the accident.
MPIC then send him a bill for something like $4,000.
He has been on social assistance since then, and has no way of paying it back.
Now that he's getting back on his feet he would love to be able to drive again
(which is necessary for his line of work that he choose to get back into), but
can in no way afford the $4,000.
How can i help him fight MPIC about the money "they" think he owes?
Also, since it's been 5 years, and they didn't follow up on the claim, is he
automatically not having to pay this amount (I don't even think he was at
fault)? Some lawyer in the city said that if they don't sue him within two
years, he's no longer liable. But is there any validity to this?
Or can i get a lowered amount (settlement), and pay it for him to settle the claim?
Any help is greatly appreciated. :) |
|
| jon | January 28, 2010 4:29:31 PM |
| little P & micheal, watch out for lawyers too, they get pressured not to work
to hard for u, u have to fax them ur questions or record ur conversation with
them, so when they dont do their job, u can try to take them to court. but in
manitoba its like trying to sue a doctor, even when u ask another lawyer. they
all stand up for each other. thats the golden rule. have 1 too, so as soon as I
get it settled, I am going to post their name, so folks like u dont use them.
also watch out on here for the nay sayers, MPI plants. and sorry for the guy
that hung hem self, but if it was me I would have taken a few with me, that
would get their attention. Ledge is the only place where anything is going to
work, unless their is a big class action law suit. so people stop whinning here
and lets set a date. PS election this year so heres ur chance or shut up. |
|
| Michael Pain | January 28, 2010 5:59:07 AM |
| Hey,
No $$ 4 a lawyer.
Howver will have once enough MPIC Victums SAY NO, SAAY STOP raping my me
of my rights!
$$$ doesnt make U GODS.
Thanks 4 hearing & taking 2 m3.
-MP |
|
| Michael Pain | January 28, 2010 5:54:03 AM |
| Hey,
That really sucks Bob.
From the Little P- Yes I KNOW that MPIC are following/saving blogs, web
sites too.
I lived with man who hang himself as the results of MPIC Tactical Warfare
methods; b/c MPIC can and will fu@#$you up.
I tested MPIC with what I type 4 years ago on a blog and MPIC fall for it;
which was to write down AICAC appeals names, call them to start a class action
aganist MPIC! - For Acting In Bad Faith.
However it's what MPIC did with my trap; MPIC told AICAC to change the
records to remove appeals FULL NAMES and replaced it with appeals frist and
last letter of their names!
That was a shocker for us to KNOW MPIC rules over AICAC which means the
next appeal is with the Court Of Appeals - Queens Banch. B/c AICAC is MPIC
little Bitch. Like Peter Myles.
The class action is stilling slow going b/c MPIC is evrywhere and its hard
to add MPIC victums b/c we need to see/get/have proof of Acts Of Bad Faith.
I looking for a Networking for this.
Relax :-)
Thats what she tells me.
She will never ever know that to 'relax' is for my body to be sleeping or
dead. I know both woudn't work (well dead i don't). |
|
| Little P | January 27, 2010 9:30:20 AM |
I'm just writing to let you all know that there are lawyers out there that are
willing to help you with appeals. I have hired one myself and am fighting MPI
right now. It does take a long time and the process is still a horrible
experience but at least it gives me and my family some kind of comfort to know
we don't have to deal one on one with the devil's of MPI and have them try to
push you into decisions that are not right for you. It is however true that
MPI loves to drag things out. Like someone said, just waiting for you to give
up and die. It is cheaper for them. When are we rallying at the Leg??? Me
and my family are so in!!! Good luck to all of you who are fighting this nasty
corporation.
As for those who make posts about their veh and so forth...if only that was
half of the injured problems. Sorry to say but screw your car/veh, at least
you have your arms, legs, and no chronic pain for life. |
|
| Bob | January 23, 2010 6:32:18 AM |
| Hey MICHAEL
Just spent 12 hours in emergency due to head and neck problems from mva 4
years ago.But apparently can go back to work ( probably get fired a couple days
later not the fact that i wont have insurance coverage due to previous injuries
but all that doesn't even matterto them)I'm just trying to renew my mortgage
forget insurance there.Take care you know big brother reads these hey. |
|
| Michael Pain | January 21, 2010 7:56:28 AM |
| Hey Everyone,
At 27 years old my life-career was going great; Automotive Apprentice, wife,
beautiful baby girl of 8 years old.
I thought my ex-wife was mean- OH no, it's MPIC thats the devil.
MVA in 2001, I suffer Chronic Back Pain to which it is every day as it as been
for me the last 8 years and counting.
Now I'm 35 years old, have taken-been on-tried out over 26,000 pills! I have
had over 1 thousands (1,000) needles in my neck, upper-mid-lower back!
MPIC records EVERONE who was-had meeting(s) at City Place!
MPIC keeps my files that shows what they have lied to me about and what would
hurt them too.This way MPIC knows word for word what 'your story is'. These
recordings will be used against you.
MPIC rules over AICAC.
The CAO is a joke (MPIC pays their wages)!
My appeal at AIACA is STILL going (4 years now I think).
YES, I do know I, WE, YOU, US.... Will NEVER get $$$ 4 pain and suffernering!
For me It's how much I'm I willing to live with; do I or don't I do everthing I
can do for which MPIC pays me that which is right-fair-honest.
YEA.
Yea I know; words like fair, right, means MPIC is going to sent 10,000$$ to get
out of paying out 5,000.
I'll check here in a day or two (which I'll be in bed) to read what if anyone
post a post to my post :-)
Goodnight and take care of yourself!
Michael Pain |
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| bob | January 19, 2010 12:27:26 PM |
| Right on guys Rob doesn't have a clue if he thinks anybody is getting rich from
mpi.I alsohave pain all the time and dealing with anxiety when driving and
depression but i guess i got lucky they are covering psychological
problems.People who haven't had to beal with mpi when in a serious accident are
in for one big ugly surprise from a company set up to help us,they will be
totally dicusted with the treatment they get. |
|
| Deadmeat | January 18, 2010 12:18:28 AM |
| Thank you Johnston for the compassion expressed in your comments to Rob's
delusional understanding of how MPIC really functions! I assure you Rob that I
don't wake up in the morning considering myself fortunate or that i have won
the lottery! Instead I dread waking up only to realize that I did not perish in
my sleep and I am again forced to deal with another day of pain and misery! Do
you know what it is like to owe every member of your family thousands of
dollars while anticipating the next call they receive from me is only to ask
for more money to pay bills and keep a roof over our heads! Does your 16 year
old son give you every penny he has earned to help you feed your family? Does
your wife and children leave you in the morning wondering that when they return
home they might find their father hanging in the garage since MPI Doesn't
relate my depression to the accident and refuses to fund psychological
intervention! MPI has taken my ability to provide the basics for my family and
my sanity! Rob the next time you some idiot plows up the rear-end of your car
and MPIC deals with your claim for compensation, i am sure you will reconsider
your feelings of being so fortunate while dealing with MPIC! The only one
getting rich under the no-fault system is MPI and the Ajusters
collecting "Lottery sized paychecks and bonuses" by denying basics to the
claimant! So Rob,come live the ''Dream life'' that the "cash cow" has left me
and thousands of other claimants,you will get the feeling of being REAR-ENDED
AGAIN & AGAIN & AGAIN! |
|
| Johnston | January 15, 2010 5:40:59 PM |
Rob, it is clear from your comments that you haven't been injured under MPI nor
have you perused The MPIC Act.
What most people want and expect from MPI is a little fairness. What they
don't expect is to lose their homes because they no longer can afford mortgage
payments due to inadequate Income Replacement from MPI. They don't expect to
have to pay for their own treatments or medications resulting from the accident
because MPI has unilaterally denied these expenses for some self-serving
reason, and they don't expect to retire in near-poverty because MPI saves money
by reducing their Retirement Income Benefit, dollar for dollar because the
injured might collect CPP and/or RRSP monies (which they paid for, by the
way).
And Rob, you needn't worry about injured Manitobans gouging MPI for fake pain
and suffering claims, because MPI did away with P&S in the 1990s. It doesn't
matter if your skin was burned off, you get zilch for P&S. |
|
| Rob | January 5, 2010 1:21:07 PM |
| It looks like some of you are looking for a "cash cow" after an accident. Pain
& suffering...comes with life but if you are fortunate enough to have it
covered by some insurance you may have just won the lottery.
I have heard of much "abuse" of this insurance which drives up the priemium.
I was a "benefactor" of the old unsatified judgement fund after a near fatal
crash in which I was a passenger. Under the existing policies I would feel
quite fortunate.
MPIC is not without faults but come on lets keep it realistic and credible. |
|
| from Martin | January 3, 2010 1:40:47 PM |
Lost and Confused:
I moved from Manitoba to Alberta four years ago, and it did not really affect
IRI directly. I suppose one negative effect might be that cost-of-living is
higher in Alberta, therefore your IRI (Manitoba based) will have less
purchasing power in Alberta.
Truth is though, there are other things which can negatively affect your IRI
(wherever you are living)and there is nothing you can do about it. For
example, if the cost of living increases less than the wage(corresponding to
your "Determined" income) increases , your IRI will be reduced. Theoretically,
over time, IRI could be overwhelmed by determined salary increases and
eventually be reduced to zero. But this would take many iterations. |
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