Mr. or Ms. Anonymous obviously never had to deal with MPI. It doesn't realize
that, not only would one have a hard time finding a lawyer to represent you
against MPI, you cannot hire a lawyer to assist with the never ending paperwork
or that the injured person has no money to pay a lawyer. It also doesn't know
that endless letters DO go to parliament or that MPI is government.
Imagine staying in hospital for almost 1 and 1/2 years and spending 3 months of
that in coma and then having to be potty trained and relearn how to walk and
eat real food all at an adult age. Imagine not knowing what things are or
forgetting what things are called. Imagine not knowing what you ate for lunch,
or that the leftovers in the fridge aren't from yesterday but last week.
Imagine knowing you used to socialize and have fun with friends but that
doesn't happen anymore. Imagine having to use a walker or wheelchair when you
never used to, or other equipment for daily living. I could go on and on.
You, Mr. or Ms. Anonymous, have no business being on this site as you are
ignorant to the aspects of injuries some people have to deal with daily from an
MVA. Good for you that your life is perfect!!!
Mary Ann
December 30, 2011 10:20:39 AM
Dear Anonymous,
When you almost die from an accident and MPI rules how will live your life
because you have been stripped from all aspects of living the life you had,
then let's see you say that! Otherwise, shut up!!!!
Anonymous
December 29, 2011 4:02:43 PM
You all should just quit your whining and get a lawyer if you've got a problem.
Go talk to your member of parliament and ask for things to change if you feel
they should. sitting around and whining never solved anything.
boyd
December 23, 2011 2:41:44 PM
Jerek,
there is probably little you can do to speed up MPI right now, but there a lot
you can do while you're waiting to speed up the whole process. When they are
done their "number crunching" and finally give you a number, it would serve you
well to have already researched your car independently and know yourself what
you believe it is worth. Do this by reviewing cars-for-sale ads, the internet,
and other sources that objectively price used autos. Consider options your car
has, recent expenses, mileage, condition, etc and compare that to what dealers
are offering. I have no doubt MPI will lowball you and if you've done your
homework, you'll ultimately get more money from them. Good Luck!
Jerek
December 22, 2011 1:52:25 PM
I have had nothing but problems from these arrogant jerks! It's been 2 weeks I still have heard
nothing about what thy are gonna do. All they said is that it's wrote off and they have to crunch
numbers.. Does that really take 2 weeks? I have never have to deal with them before about this.
Is there anyway I can speed this up or do I just have to wait? I'm starting a new job in the new
year and I need to get things rolling so I know I can start and not have to wait on a vehicle.
Carlyn
December 14, 2011 8:29:54 AM
@Tina:
A body shop owner told me that I could ask that my vehicle be written off if I
was concerned about safety and structural integrity. A rebuild or major repair
does affect your resale value. Even with a good body shop doing the work, a
rebuilt or repaired vehicle is never the same as the original, even if the
differences are simple fit and finish changes.
To get a fair market value for your write-off, print off several ads for
comparable vehicles for sale in Manitoba area. Know what it will actually cost
to replace your vehicle, not just what the blue or black books say its worth.
Ken
December 9, 2011 10:27:15 AM
I have worked in the Manitoba Auto Industry for over 20 years. Many times a
week customers contact me because the have had a car accident and now have to
deal with MPI. Never the results anyone likes but in most cases not horrible.
Since MPI has been once again ordered to pay back money to customers the
quality of their service has fallen to new lows. The adjusters have become
arrogant and to say the least very heavy handed. Their offers are lower then
market conditions and in most cases very unreasonable. Their new attitude is
take it or leave it, we are in control. MPI is not losing a cent but actually
profiting more. A rate payer gets back a check for hundreds but come time to
settle a total loss of a vehicle they are under payed by thousands. This is not
just my opinion but a consensus of many who deal with MPI on a daily basis. MPI
is under the cloud as usual that because we have no other option we will take
what they dish out.
Tina Smith
December 6, 2011 3:03:48 PM
I was in a accident two weeks ago, my car against a deer and then the ditch.
MPI informed me that if the damages were over 8K that the vehicle would then be
a write-off. Now today I'm told they are now willing to cover up to 10k in
damages. My car is a 2009 dodge caliber, only worth 13k now. How do I fight
this? Honestly I don't want a car back that has so much damage. If I turn
around and try to sell this car in a year or two it's pretty much worthless.
Thanks
Tina
A
December 5, 2011 3:14:32 PM
I appealed MPI's denial of massage therapy treatments by a registered massage
therapist after my 1st MVA in Nov 2001. AIAC unfortunately sided with MPI.
The reason: Legislation is written for MPI to only pay for massage performed by
a certain group of medical professionals only such a chiropractors /
physiotherapists. We all know that a chiropractor will not perform a 1 hour
theraputic massage. This is MPI's way of appearing like they cover massage
therapy but in actuality they really don't. People suffering from whiplash
injuries know the benefit of regular massage and so does MPI. Not paying for
regular massage by a qualified registered massage therapist is saving MPI
millions and millions of $$ annually. When I appealed MPI's denial I explained
to AIAC and to MPI's lawyer that massage therapy is instrumental for all people
recouperating from a whiplash injury. Massage minimizes permanent whiplash
pain. A recent appeal decision was made in BC (BV is another gov't run
insurance province) supporting massage therapy treatments in Manitoba. On
behalf of the MVAS Group, I contacted MPI. I want MPI to respond to BC's
recent court decision. If BC law supports massage therapy by a qualified
registered massage therapist, then MPI should also support massage therapy.
For those interested, please see the posted court decision:
http://www.courts.gov.bc.ca/jdb-txt/CA/11/04/2011BCCA0482.htm
Mary Ann
November 22, 2011 11:27:21 PM
I honestly don't know why they would need 5 years of T4's. The Income
Replacement Indemnity is based on what you were making at the time of your
injury. Although, if you were casual, they may look at your average income over
those last 5 years (just guessing). However, I believe in the "Act" it is
stated that there is a waiting period before you receive the Income Replacement
Indemnity which I think is 180 days and is based on 90 percent of your income
at the time of your injury. Read the Legislated Act and Regulations - this
information is not provided to you through the PIPP guide.
Also, it is calculated by taking the annual income and subtracting I.T.,
C.P.P., and E.I. and you will receive 90 percent of that income. It is then
divided by 52 or 26 weeks to come up with a bi-weekly payment.
Just so you're aware at Income Tax time, you will, or I know my daughter was,
threatened to provide a copy of your Income Tax forms that you submit to
Revenue Canada along with your Notice of Assessment form or they will
suspend/terminate your benefits.
Jennifer
November 22, 2011 11:17:40 AM
I was injured in an accident and they determined my income based on my previous
casual employment which only went back 6 months prior to the accident. (I'm a
nurse. Then after 180 days they asked for my previous 5 years T4s. My benefit
almost doubled at this point. Shouldn't I receive retroactive benefits from
the time the accfident occured. Could use some feed back.
Mary Ann
November 17, 2011 9:56:37 PM
That is exactly right. Insurance, in my opinion, has no business being in the
hands of gov't bureaucracy. Unfortunately it is; therefore, no accountability.
This is the exact reason for appeals, appeals, and more appeals. The entire
system is made up of simply passing your life on to another dept.
Against MPI
November 17, 2011 4:19:04 PM
MPI is in business to make money for the gov't. MPI makes the province of
Manitoba a lot of money. There is a reason why MPI does not want to open up
their financial books to the public. Since there are other gov't programs in
Manitoba and in Canada, MPI assumes that if they deny covg. or payments a
different gov't program will. Unfortunately, this leaves many people without
proper medical care and bankrupt. The advertising MPI does is a contradiction
to what they actually do.
Mary Ann
November 14, 2011 10:08:17 PM
Just to provide a little background on my situation. My daughter (19 years then)
was coming home to Thunder Bay, Ont. Dec. 23, 2004 for Christmas and was a
backseat passenger in a Manitoba plated mini-van. A truck lost control west of
Kenora and hit the mini-van. Everyone was fine except my daughter who was
eventually flown to WHSC in Winnipeg. She suffered a severe blow and remained
in a coma for 3 months.
While in Winnipeg she was in SICU for approx. two weeks and then sent down to a
room and shoved in a corner. She was unresponsive and couldn't press a button
to get assistance. When they wanted to send her back to Ontario, I had to stand
my ground there and made sure they sent her to Thunder Bay and not the small
community where we were from. No consideration to her injuries - they just
wanted her out. But, I told them she goes to Thunder Bay or stays right here.
Fortunately, due to living in a small community I was able to call the Chief of
Staff at that hospital and tell them the "real" situation and they were then
able to refuse admittance. I was finally glad to get her back to Ontario to
receive the medical attention she then required at the hospital she needed to
be in.
It was horror and she remained in hospital for almost 1 1/2 years. She has had
to relearn everything we all learn during the first 5 years of our lives. Life
as it was will never be the same ever.
It will be 7 years this Christmas and dealing with MPI has impeded maximum
rehabilitation right from the get go. They suspended/terminated benefits
without telling us because we hadn't signed a form. So they wouldn't approve
payment to provide splints for my daughter's arms and hands when they became
clenched and held tight to her chest due to the brain injury and calcification
build-up in her joints. We could barely unclench her fingers and there were
days we (nurses included) couldn't open up her arms.
Also, we don't currently have a meeting scheduled, but if you send me a contact
e-mail at Contact.MVAgroup@gmail.com then I can make sure to add you to our
contact list so that when a meeting is upcoming, I can let you know.
Mary Ann
November 11, 2011 8:35:44 AM
I would be very interested in attending a support group meeting when one is
planned.
I am sorry I missed the rally earlier this year. There needs to be more!
Perhaps a book should be made that offers information and short stories.
Mary Ann
November 11, 2011 8:28:59 AM
I was just looking back at some of the posts here and in the archives. I have
so much to say as my daughter and I have endured 7 years of MPI.
Has anyone heard of the Occupational Rehabilitation Group of Canada? It is an
organization located in Winnipeg that MPI DOES release information to without
consent. MPI will use them to perform a "forensic/independent review" of files.
The purpose, in my daughter's case, was to find out what services were
available for little to "no fee". I told them that was nice but my daughter is
receiving exactly what she needs here and that little to no fee services were
not created to pass the buck. We have rehab support services in Thunder Bay
(which are not free) who work with brain injury clients in the community and
under the OT, PT, and SLP.
ORGOC was "taken aback" because we don't have enough free services in Thunder
Bay; hence, the reason the MPI supervisor asked at a case conference "what if
it wasn't a car accident"? I told him immediately that it was and that they are
not to change the context. That supervisor just degraded the severity of my
daughter's injuries in front of our team of professionals. The adjuster also
asked if she could phone me because she would just like to call...I hummed and
said "No! I like everything in writing."
ORGOC also offers services to assist people in their own homes. e.g. a claimant
that cannot live alone could hire personal care through ORGOC which takes the
entire amount of MPI's personal care funds ($4100+) and then applies to the
provincial health dept.? for a max. of approx. $9,000.00 per month. MPI pays
1/3 of that amount because one may need assistance in their own home due to a
motor vehicle collision. Manitobans are paying through auto premiums and taxes
along with federal monies coming into play through federal Health.
I cannot believe how bad it is there in regards to government controlled auto
insurance. I would never move to Manitoba for the simple fact of MPI. However,
I do like to visit Winnipeg and Brandon.
Mary Ann
November 10, 2011 9:14:12 AM
Also, Adrian, if MPI cannot or will not produce an agreement or copy of a
contract then whatever the doctor opined in his report is completely invalid.
Expecially if you have a doctor whose medical notes state otherwise or differs.
You can also request what the doctor reviewed in providing his report.
P.S. and just for the sake of sharing information:
I live in Ontario and private insurance does not work this way. However, my
daughter is entitled to and receives PIPP benefits due to her situation. Here
the insurer may request another opinion from a doctor that will "meet" with
you. However, the bottom line is that no insurer wants to pay out. Notes and
reports have to be precise and to the point. Leave no room for discrepencies.
(This is my entire point in regards to the "blind opinions". These doctors
cannot provide medical opinions based on a paper file; regardless of whatever
benefit is being requested. It leaves everything questionable. And, the
adjuster is not a doctor. As Canadian citizens we don't request medical
assistance or treatment over the telephone. We make an appointment to "see" the
doctor or go to an emergency. In turn the doctor "sees" us in person to
provide treatment and/or a prescription. Injuries sustained in a motor vehicle
collision cannot compare to illness. The event itself is traumatic and injuries
can be life or death - catastrophic and life-altering. A claimant's
medical/rehabilitation needs cannot be treated through paperwork. As soon as a
claim goes in, MPI is looking for ways to save money while one is in ICU
fighting for their life. The entire process is medically inadequate and should
be illegal in Canada. The process needs to change. We have rights to obtain
proper medical treatment in this country.)
anonymous
November 9, 2011 6:44:29 PM
I am staying anonymous on this one, as who knows what the medical system is
capable of. The college approved a doctor to work in manitoba, after he was
convicted of a violent crime, and spent time in an american jail. Also, the man
was bipolar, and caught doing some strange things on his own time. Sorry that I
cannot elaborate. His story made the news (eventually) and the news asked the
college how they could unleash someone like this on the manitoba public. The
college didn't reply.
Your complaints will be lodged and their will be a paper trail of what he did
if you prove it. But that is all.
Mary Ann
November 9, 2011 3:19:45 PM
Adrian, I'm just wondering, MPI should have (although,maybe not)
contracts/agreements along with guidelines for their expert consultants (the
doctors) to follow when reviewing medical files for denial of benefits. I have
asked them for this, but have been ignored. Do you have a copy of the PIPP
manual; it is available on CD by request ($25.00).
When and if you contact the College of Physicians and Surgeons and/or lodge a
formal complaint, I would like to suggest that you first request a copy of any
agreement between MPI and the consultant (doctor). Your adjuster should be able
to direct you to the proper dept. to retrieve that; or, have the College
request this from the doctor; or, if you have any other ideas. I just think it
would be a very important document for The College's investigation process.
Adrian Halpert
November 8, 2011 9:37:22 PM
Thank you Carlyn. I plan on contacting them later this month when I have some
time off from work.
And Mary Ann, I completelly understand what you are saying. But, I still think
it's worth a try and I have some methods in the way I approach it to at least
make sure my efforst aren't completelly wasted.
That being said, as I said before, if anyone has similar documentation from
their case file and would like to have it added to a complaint, please feel free
to forward the information to the MVA group e-mail: Contact.MVAgroup@gmail.com
Carlyn
November 6, 2011 5:38:37 PM
More from College of Physicians and Surgeons website:
"Expectations and Outcomes
What you should know about your involvement in the process if you complain
about a physician to the College:
Where your complaint concerns a misunderstanding or misinterpretation of a
physician's actions, you may be encouraged to communicate with the physician
directly or play an active role in our attempts to resolve your concern.
If you wish your concern to be addressed through our complaints process, you
will be asked to submit your complaint in writing before it will be
investigated.
The physician who is the subject of the complaint will be provided with a copy
of your written complaint.
It is unlikely that your relationship with the physician who is the subject of
your complaint will continue.
The College has authority to access your medical information to investigate
your complaint, but it is our general practice to ask for your consent to
release the information to the College;
You may be asked to meet with a medical consultant, investigator or the
College's legal counsel to review your complaint and/or describe any further
involvement on your part.
What the College can do to address concerns:
In some cases, the College may be able to facilitate an acknowledgement and/or
an apology from a physician who recognizes the validity of a concern raised in
the complaint against him/her.
Where a complaint highlights the need for a physician to change his/her
behavior or to improve some aspect of his/her practice, the College may
facilitate assessment and re-training if required.
In circumstances where the conduct on the part of a physician represents a
serious error, omission or transgression that the physician is not prepared to
acknowledge, the College may pursue formal disciplinary action against that
physician in order to adequately protect the public. In circumstances where a
physician is unwilling to consider a behavioral change, assessment or re-
training or where a physician is a repeat offender and/or has failed to act on
the College's direction regarding re-training or behavioral change,
disciplinary action may be the only recourse.
The College has the authority to restrict or take away a physician's right to
practice where it has determined that a physician is not fit to practice
medicine for reasons such as he/she is too ill to practice safely, is not
competent or has committed a serious act of professional misconduct and his/her
continued practice puts the public at risk.
What the College can't do to address concerns:
The College does not handle general complaints regarding medical matters or
concerns about other health care professionals. We can only take action where
concerns relate to individual physicians who are practicing in Manitoba.
Concerns or complaints about other healthcare professionals should be directed
to the appropriate professional regulatory body;
The College does not have the authority to:
obtain financial compensation for complainants;
compel a physician to provide the treatment a complainant wants;
arrange for alternative medical care or a referral to a specialist;
make a doctor apologize to a complainant."
Carlyn
November 6, 2011 5:34:45 PM
From College of Physicians and Surgeons website:
"Complaints & Investigation
Concerns regarding a physician's practice and conduct are addressed through the
College's complaints and investigations process pursuant to The Medical Act.
The process is administered by College staff in the Complaints & Investigations
Department and overseen by one or more of the following Committees of Council,
depending on how the concern can be most appropriately addressed:
The Complaints & Investigations Department handles inquiries and complaints
regarding concerns about the conduct or actions of a physician such as:
a physician behaving inappropriately;
a physician providing inadequate medical care;
lack of professionalism on the part of a physician;
a physician breaching patient confidentiality and/or failing to protect a
patient's personal health information;
boundary violations;
sexual misconduct.
If you have a concern or complaint, it may be useful to contact the College by
telephone or email to determine how to proceed. Inquiries can be made by
calling 774-4344 or toll-free 1-877-774-4344 and asking that your call be
directed to the Complaints & Investigations Department or by an email addressed
to complaints @ cpsm.mb.ca.
Mary Ann
November 6, 2011 1:44:38 PM
Dear Adrian, the College of Physicians and Surgeons won't do anything. The
consulting doctors only provide "opinions" to MPI. It is the legislation and
the "Insurance Adjuster" using authority they shouldn't have. They will test
and hope you don't further your complaint. And, if you do, they just back each
other.
My daughter was denied Chiro treatment when a new plan was submitted, but MPI's
doctor (Baron) suggested exercises at home on an unstable surface such as a gym
ball. MPI approved exactly that and would provide funding for a gym ball.
My daughter suffers cognitive and physical impairments and won't remember to do
exercises at home let alone on a gym ball. It would put her at further risk for
injury. This is a prime example that a doctor or the adjuster has no clue
regarding proper medical treatment.
MPI's letter explained that the doctor reviewed the entire medical file;
however, the doctor then wrote me that he did not have the entire medical file
at his disposal. Liars!!
This is why I asked for the policy to where it is stated that a claimant cannot
meet with the Health Care Services Team. There is no policy!!
When I asked Fair Practices about it, I was told that this is MPI's "business
practice".
MPI is a business, a bureaucratic, provincial gov't crown corporation taking
everyone's premiums. Check out "About Us" on MPI's website. Premiums are not
used in the way insurance is intended.
Where is the Canadian Ombudsman overseeing provincial corporations in this
country? Something is needed at the federal level!!
Adrian Halpert
November 6, 2011 12:11:45 PM
I have just received the paperwork that relates to the cheque I received from
MPI for all the entitlements I was fighting for (and eventually won compensation
for).
In the report from Dr. J. MacKay, he specifically states that "Revised Schedule
of Permanent Impairements does not assign a permanent impairment benefit for leg
length discrepencies that arise from a fractured femur and/or tibia". Yet after
fighting the original, notes from my case manager indicate "According to
REgulation 41/00, Div. 1, Subdiv. 2, Section 4.2 (a)(iv), there is an
entitlement for leg shortening of 2-4cm from a tibia or fibula fracture". And
while I have a femur fracture, not a tibia fracture, this comperison was
eventually used to provide a 3% entitlement for my leg shortening, something
that Dr. MacKay was directly trying to prevent with the lies in his report.
I know people have previously mentioned contacting the body in charge of Doctors
in Manitoba (College of Physicians?) to lodge a complaint. If anyone has the
contact information and is able to provide it here, I would greatly appreciate
that as I intent to approach them and based on this evidence lodge a formal
complaint against Dr. MacKay as he has obvious alterior motives for denying
benefits, and the man should not be consulting for MPI, let alone be a doctor.
The man is a crook and needs to be stopped from having outright power in denying
legitimate claims and making the victims run through hoops, and I welcome anyone
with similar documentation to join me to show this is not an isolated case.
Mary Ann
November 1, 2011 11:06:43 AM
Carlyn, you are absolutely right! However, MPI's Health Care Team of doctors
can only provide opinions. That isn't against the law. The issue here is, these
are "blind opinions" based on information provided to them by the adjuster. So,
really, only the adjuster knows what information the doctor actually reviewed.
The other issue is, the adjuster (who is not a doctor) has the ultimate
authority to approve or deny treatment regarding your health, well-being, and
survival to life post-accident.
Anyone suffering life-altering injuries will be taken advantage of.
Mary Ann
November 1, 2011 8:19:33 AM
At the age of 19, my daughter was a passenger in a vehicle hit by another in
Dec. 2004. She was in a coma for 3 months and in hospital for approx. 18
months. Her life has been stripped from her in an instant. She progressed to
the point of being able to live in the community with 24/7 supervision. The
fight for survival is continuous and she would be in an institution if I didn't
do what I do for her. I have advocated numerous times on her behalf as MPI
would walk all over her. She suffers a brain injury and physical limitations
using a walker or wheelchair to get around. The battles don't end in regards to
watching her suffer daily with her disabilities and anger that life isn't
supposed to be this way.
I need to find others that are in the same situation such as those being forced
into institutions because they cannot live on their own and MPI will not assist
family members and loved ones the help needed to provide care at home.
I've sent letters to MPI's CEO, Minister of Justice, the Premier of Manitoba,
and that did nothing. They honestly believe in this cult. However, I'm sure
they leave the compound every day thanking their lucky stars they are not a
claimant. Perhaps a letter to the Prime Minister and all the Premiers in Canada
would help?
Carlyn
October 31, 2011 11:12:41 PM
Affordable insurance rates shouldn't come at such a high human cost.
Why are millions of dollars (Not MPI dollars. Taxpayer dollars.) spent on the
AICAC process? Claimant Advisor's Office? Mediation Pilot Project? Because MPIC
does not pay benefits claimants are rightfully entitled to. They make our lives
nightmarish, expecting that most of us will go away without even applying for
an Internal Review. Those of us determined enough to get to that level often
discover that it's skewed toward MPI. How many who fail at the IR level have
enough energy and other resources to carry on to AICAC? That's what they count
on! If we do go to AICAC, and we have a justified claim, they'd like to settle
it before we have a hearing, so it's not on the record. So that others can't
benefit from our hard work and determination.
And don't get me started on those "independant medical opinions". Independant
is defined by Merriam-Webster as "a (1): not subject to control by others :
self-governing (2): not affiliated with a larger controlling unit". If MPIC
paying the majority of their consulting income, they are not independent. When
the same names keep popping up as consultants for MPI, and they are always
saying no, it is obvious that those are the ones MPIC has been able to pocket.
Have MacKay or any of the ARCC team ever issued an opinion that favors the
claimant? Highly doubtful.
Maybe we should be complaining about these practitioners to the College of
Physicians and Surgeons or to their respective governing bodies. They need to
be held accountable for their unethical actions too.
Lanna
October 31, 2011 4:07:44 PM
Mark, Are you serious that MPI SIU thugs threatened you?!
I have no problem naming doctors whom I would avoid in the future. MacKay, Hoy, Capitano, Adam, Ilse,
Jones, Moore, to name a few. Some of the other names to think twice about would be HUZEL, Stevens,
Pearson. Shall I name case managers?
Sorry to hear that they are treating you poorly too, never fun to say the least.
Mark Brown
October 31, 2011 11:09:01 AM
I was in an accident in 2003 where i was hit by a drunk driver while i was
walking in a crosswalk on henderson hwy and the mpic steamroller started i was
working at the time and was entitled to PIP benefits and was collecting those
for about 3 months until the MPIC lawyers figured out a way to stop paying those
benefits from some legality that i couldnt comprehend and no lawyer would take
the crown to any extent except for one who i shall not say only because im
afraid of being sued by this legal firm (which does legal counsel for MPIC on
other matters unrelated to personal injury)which means youre screwed from the
start ,so now on welfare and in the system ,youre a puppet on a string for the
crown to play with until they throw you to the disability wolves ,i went from
making 46,000 annually to making 8800 annually in less than a year ,and thats
when the creditor problems started ,my life was a whirlwind of pain from the
accident and pain from the corp that i thought was going to help with all their
commercials about helping and B.S but thats not really true, now i was a target
for the MPIC legal dept. Which sued me for the monies that they incurred in my
litigation and won btw if you think that you have a chance think again i lost my
house ,my kids ,my life and many times thought about suicide to end the
emotional trauma that i personally endured by MPIC and the PAN Am clinic AS WELL
AS DRS FROM THE LEGACY SPORT CLINIC (whom i need not repeat their names for fear
of another legal battle that im sure to lose or worse ...meeting the magnates
enforcement crew again(ex RCMP and CSIS members)scared me smart...if i were you
i would be very careful when dealing with these people, they protect CANADA from
threats of terrorism like you, listen to them ...im not going into details but i
was scared for my life ,i was followed and made to feel very paranoid after
meeting with these people,they had detailed information of my family and how
they would treated if i did not comply.After i stopped my litigation my life
went back to normal and i could go on with my life with huge debt that i could
never overcome from a accident that i never saw coming ,from a drunk driver ...i
have daily trauma attacks from the pain and relive it everyday...lucky me 8 yrs
later...Heed my warning
Mary Ann
October 30, 2011 10:32:13 PM
Through my experience, I will share what I can to help others.
In serious catastrophic cases:
You may need family to assist representing you if need be.
First, do not verbally discuss anything with anyone at MPI. Use email. Always
have everything in writing! You can refuse phone calls; and if you do not know
how to email - learn. Get everything documented!
Second, remember they are representatives of the Corporation first, and will
dictate the Legislated Act and Regulations. So, they are not your friend. So,
next you will need...
Third, get a copy of the Legislated Act and Regulations. It will cost you but
you need to research and be informed. Oh and ask for the PIPP Manual (they
didn't inform me of this). It is a CD and costs about $25.00.
Fourth, it takes a lot of energy, but stay on top of everything.
They will use Section 140 (to provide information) and 160(b) suspend/terminate
benefits if you do not comply.
Last, for now, every health and medical request will probably be denied by the
adjuster. Learn the process; be prepared through researching the Act and Regs.
that your request is legit, and follow through with an Appeal. In certain
circumstances (dependant on the type of item/benefit requested) include a
letter with your paperwork requesting the Appeals Officer to provide factual
proof and/or documentation to where/how the item/benefit will absolutely not
assist rehabilitation.
Question everything!
Mary Ann
October 30, 2011 6:56:29 PM
Perfect title for this site! I have 7 years experience with MPI and I've
learned a lot; it is a bandaid insurance at it's best. You can't sue, they are
self-serving and don't play fair, they are not accountable, they impede
rehabilitation through denials forcing appeals, they will share your personal
information with outside organizations, MPI is a trustee for FIPPA, and the
adjuster seemingly becomes your doctor through the use of MPI's Health Care
Team's "blind opinions". They will not provide (and apparently do not have to)
their qualifications. The adjuster has the authority to approve or deny any
request (regarding your health). MPI WILL NOT allow the claimant access to the
Health Care Team (yet there is no policy to this); thus, your medical health,
rehabilitation and survival is in the adjuster's hands. In my opinion, this
entire process is unlawful.
Margo
October 25, 2011 11:24:14 AM
Oh, this just gets better and better. Not only is MPI turning a blind eye to
the fact the guy who hit me admitted to seeing me stopped at the backlane but
he proceeded to turn anyways (clearly proceeding when it was not safe to do
so), MPI files my appeal a month later than I expected (nothing I can do about
that). So, I've got this bit of fun news under my belt, when I hear the
Ombudsman does not much of anything, AND if I think about small claims, it will
probably be against MPI themselves! Holy....does it get any better than this.
Using the mentality that MPI puts out there, we should all hope in our cars,
sit at the end of a street or in the middle of the road for that matter and
start driving into other people's cars.
I mean really, I have a dent my next door neighbour put in the front of the
truck. I could just hit someone and have it all repaired at no cost to me!
I'm still not sure why NDP were voted back in. Everyone I talked to said they
weren't going to vote for them.
Sorry all. Just speaking out of frustration. I'll try the Ombudsman and see
what happens.
Lanna
October 25, 2011 9:31:24 AM
The Manitoba Ombudsman is a feel good entity to keep sheeple happy and occupied. They have no
authority to force change nor any power; they make "recommendations". If you have unlimited time on
your hands and no expectation of tangible results....go for it.
Margo
October 25, 2011 8:16:57 AM
Shaffer... I also opted to go the Retired Judge route, but they may have
changed things since you appealed a few years ago. I was allowed to hand write
13 lines to provide the judge, that's it. I am not allowed to provide any
other information, nor am I allowed to speak directly to the judge. It turns
out they (MPI) waited over a full calendar month to submit my appeal, so now
it's been about 6-7 months since I filed my appeal. I've written a complaint
letter to the Manitoba Ombudsman, so that's another route I can take, which I'm
about to submit. Waiting for my appeal is taking forever. I'd like this over
and done with already.
Has anyone ever gone the way of filing with the Ombudsman?
Taylor
October 24, 2011 5:02:25 PM
if we would have got a good conservative majority goverment MPI would have went
buh bye, a solution to all problems, its called private insurance
Shaffer
October 24, 2011 9:43:06 AM
Margo, I actually opted to go the "retired judge" route a few years back when
my daughter had been assessed 50% fault for a fender-bender and clearly was not
at fault at all. Soon after I sent in my (refundable) $25 fee and my evidence
package, I got a phone call from manager of my daughter's assessor telling me
that he'd reviewed my evidence, and decided from that that my daughter's blame
was "0%". I later asked my daughters assessor if she had even othered to look
at the accident site, and she told me, "no, I was too busy" (a look at the
accident site (in the city of Winnipeg) would have made it clear and self-
evident that my daughter should have borne no blame)!
Moral is, if you are comfortable that you have a case, then go for it. I think
half the time MPI is bluffing, and if you demonstrate you have your ducks in
order and are prepared to do battle, they will "reconsider". We often tend to
go into these things thinking that we can simply reason logically over the
telephone, and MPI will see the absurdity of their position. MPI is spring
loaded to blame everyone they can.
They made me angry with their smuggness and arrogance, so I geared up for war.
Good luck to you.
Margo
October 21, 2011 8:01:19 AM
Oh, I know I can't take the other driver to the cleaners, thanks to no fault
insurance. But, in the appeals brochures MPI gave me, it mentions the retired
Judge (hired by MPI, so you're sure to get an un-biased opinion - Yeah,
right!), or taking it to small claims. Who exactly would I be suing in small
claims? Seriously.... I'm supposed to take MPI to court? Oh great.
Against MPI
October 17, 2011 3:25:25 PM
You can't sue the driver who hit you if the driver is insured by MPI so small
claims court would be difficult. No-one in the MVAS Group that I know of has
gone through that route. Hopefully someone will blog back with their
experience if that is what they did. Is there a small claims court website to
view decisions? I am throwing the idea out there in case someone knows the
answer.
Carlyn
October 17, 2011 6:53:27 AM
I'm looking for feedback re: Dr. Vesna Daniels. She is/used to be a rehab
specialist at the HSC. Does anyone here have past experience dealing with her,
specifically with regard to MPI claim?
I was told she consults for MPI, and should have disclosed a conflict of
interest. When I search AICAC decisions posted online, her name only appears in
two, where she is the claimant's treating physician, not MPI's solicited
opinion.
John
October 14, 2011 4:09:32 PM
MPIC injury claims manager Glenn Andersen lied to me.
MPIC's website assures injury claimants that MPIC's adjusting department is
"separate" from its internal review (legal) department. MPIC presumably does
this to give the injury claimant belief that MPIC's lawyers will take a "fresh"
look at the claim and not merely rubber stamp the adjuster's decision.
Mr. Andersen has on a number of occasions, in writing, assured me that in
my case everything that was done was done kosher. For example with reference to
himself and in my opinion also to a particularly crooked MPIC lawyer, Mr.
Andersen stated " Dean Scaletta did not, nor would he ever help draft a
decision letter that he might later review".
I'm stunned!! It's as clear as the nose on anyone's face!! MPIC's own
documentation shows that Dean Scaletta did exactly what Mr. Andersen claims that
Dean Scaletta didn't do.
Margo
October 13, 2011 8:38:02 AM
Thanks for the name of the lawyers. I'm a little confused though. I thought
that taking this matter to small claims would mean that I sue the guy who hit
me. Am I supposed to be suing MPI??
Against MPI
October 12, 2011 3:57:01 PM
I have hired Funk and Strell law firm in the past and was pleased with the
results; however, no lawyer is cheap. Good for you to consider legal action
but be careful. MPI has a lot of money to fight back and they will do that
even knowing that you (claimant/victim) is right.
Margo
October 12, 2011 9:28:20 AM
So, I found out that the young fellow that hit me SAW me stopped at the alley
way (checking for traffic) and proceeded with turning onto the side road when
he says I "suddenly" drove in front of him. I drive a full sized F150 Super
Crew....it doesn't do anything "suddenly". He's stopped, for what I'm assuming
is waiting for traffic to clear enough for him to turn from Portage Ave to the
side road. He says he was doing "40-45" when he hit me, which I say is pretty
quick for just having turned off a major road to reach the 30 foot mark of the
back alley.
I now know that he saw me, and thusly broke HTA 129, which states:
Right-of-way on left turn
129 When a driver is within an intersection and intends to turn left he
shall yield the right-of-way to traffic that is approaching from the opposite
direction and is within the intersection or so close that it constitutes an
immediate hazard; but having yielded and having given a signal as required by
sections 125 and 126, the driver may make a left turn if he can do so safely.
Obviously I constituted a hazard, as he hit me.
Does anyone know anyone in the legal profession that could tell me if I would
have a case taking him to small claims?
I don't want to go if I stand a snowball's chance, which would mean I would
have to pay his court costs too if I lose (I think).
Thanks!
Jeff Friesen
October 11, 2011 4:52:01 PM
I am in complete disbelief right now! The taste in my mouth while going through this Autopac claim is
indescribable. I have never witnessed such a lack of professionalism and such an abundance of laws to
screw they very people paying their salaries. Warning!!!!!!!! don't follow any of their 60 second driving tips
as I did! You will get screwed! $*%& you autopac!
annoyed
October 7, 2011 11:25:07 PM
okay here it is i am really very strait confused,my case manager called me
today after a month a one week telling me i was approved for 2.3 hrs per day
what does that mean??what kinda score wud i have gotten from mi's ot??i know
the payments are going to date back to when i first called autopac to open up a
pipp file and know that its paid out every two weeks but really does anyone
know how much that is??and how do i claim it??and wow just because he called me
today i ended up with a call from an ot asking to make another appt to come see
me for reassesment.my case manager wants to coe to my home to go over my
paperwork with me and show me how to claim the 2.2 hrs a day.really is this
good him coming to my home??i need advise badly and i need someone to explain
to me what this all is because i have no clue what i am suppose to be paying
the person who is helping me??
Wayne
October 7, 2011 3:29:44 PM
Thanks to Manitoba for voting back in the clown show we know as the NDP. Their
first decree is that police will no longer attend accident scenes unless there
has been a fatality, or if drugs or alcohol are suspected.
Accident fault will be decided by MPI. I suspect MPI will go on the basis of
who has more people in there car, which as we know tends to be the young kids.
Whoever has more witnesses wins.
Thanks NDP, you just keep screwin honest people.
Judy
October 6, 2011 12:57:42 PM
I knew MPI were a bunch of idiots with the way they handled our auto accident
in January of 2011. Today, we received a rebate cheque for $2.00. They should
of kept it. This cheque cost them more than $2.00 to send.
Bill
October 3, 2011 6:23:35 PM
We have the highest motorcycle insurance in north america , i would of figured
that somewhere in the united states would be higher , but we we the highest ,
unreal
Lanna
October 1, 2011 6:33:46 PM
I have been to ARCC and I have filed a complaint against Conrad Hoy. Is he still a doctor?
madha
October 1, 2011 12:09:07 PM
Anyone who has ever been to ARCC please file a complaint with the COLLEGE OF PHYSICIANS AND
SURGEONS they have a website either download the complaint form or have there office mail it to you.
He has to be stopped or at the very minimum heavily fined!!
madha
October 1, 2011 3:19:09 AM
I think the idea of rallying / protesting with a slogan or two outside mpi would be a fantasic idea the
weather looks good this week it should be done after the public utilities meeting.
madha
October 1, 2011 2:55:37 AM
I really sympathize with motorcycle drivers I am anti mpi and have many sorted stories however I
witnessed a motorcycle accident were the victim's brain was literally outside his head and spilling on the
pavement.
My brothers friend another motorcycle driver has metal pins throughout his leg and a permanent brain
injury.
An mva involving a bike and car is classified as a catastrophic injury with the bike rider always
remaining the vulnerable party.
The reason the insurance is higher is because payments under the legislation are awarded at a much
higher percentage rate.
The crux of the matter should be that regardless of this injuries the corporation is corrupt and delays
denies and discredits and will spend thousands of dollars hiring unethical physicians to bias in their
favor.
RJ
September 27, 2011 11:23:42 PM
I can answer your question Phil! If mpi videos you driving your car, that makes
you capable of working! If you leave you home for any length of time, that
makes you capable of working also! I know because this is what mpic is saying
and apparently according to my claimant advisor the automobile appeal
commission views your everyday activities as being capable of working! They
want you to stay at home and not have a life period!! I can verify what i am
saying because it has happened to me in my appeal against mpic! You are a
criminal in mpic's eyes for making a claim against them! Good luck!
philip
September 27, 2011 3:26:05 PM
what is the limitations to a person activities when they are on disabiity
income?
Lisa
September 27, 2011 3:08:39 PM
You are entitled to receive copies of all the documents in your file. MPI bogs
everyone down in unnecessary paperwork so it is very difficult to know if MPI
gives you all the documents or not. Many victims of MPI say that MPI hides
medical documentation if is in the claimant's favor. If you don't have a
current copy of your claim file, you should request it. You should then start
asking for copies of all letters/reports sent from your case manager to all
your medical providers and all letters/reports sent from your medical providers
back to your case manager. MPI is very clever in hiding or interpreting your
medical information in MPI's favor. Read all the letters/reports and ask a lot
of questions is my advice to you.
Margo
September 27, 2011 11:47:56 AM
So, we're entitled to see what's in our claim file? What about seeing what's
in the claim file of the other party? Or do we have to wait until we take them
to small claims? MPI seems to be waiting on the appeal decision until after
the election in October. (or at least that's how it seems)
Lisa
September 27, 2011 10:03:04 AM
You have to go through all your case manager's documentation. From your Case
Manager to your Health Care providers and from the Health Care provider back to
the Case Manager. MPI is very good and hiding/ignoring facts. Demand copies
of all documents (it is your right). MPI bogs everyone done in wishy washy
documentation making it difficult for most claimants to know they are being
screwed over. You have a right to receive benefits if you are hurt in an
accident. MPI will do all they can to deny them even if you are entitled to
receive them. Just keep on top of your claim as best as you can and don't rely
on your case manager to help you.
RJ
September 27, 2011 2:13:56 AM
Lisa, how did you prove the bad faith against MPI? And what do you do with that
information!
Lisa
September 21, 2011 12:26:45 PM
I will be going through the new Mediation process as I have quite a few MPI
denials currently with AIAC. I will report on the entire Mediation process to
the MVAS Group in our meetings. I've been able to prove bad faith by my case
manager on my last accident. I have been able to prove bad faith by my case
manager on my previous 4 claims as well. It will be interesting to see if the
Mediation process is set up to help claimants or help MPI. Others going
through the new Mediation process is encouraged to share their experiences as
well. We all need to support and educate each other.
C.Cochran
September 19, 2011 1:16:54 PM
This is more of a statement, I have had several rear end accidents prior to no-
fault and with no-fault in place and I will agree with most that something
needs to be change to address the purpose of this type of insurance. I would
like to also add that if this was in the best inteests of Manitoba drivers,
then what about the victems of these drivers? Has there been a province with
this type of insurance that has since been removed because of public outcry or ?
I still have to deal with the delayed responses to my claim and wonder about
the outcome of anything positive coming out of any of these comments from the
people who are elected to look after our best interest.
Lisa
September 19, 2011 10:31:58 AM
I was not able to attend the rally but heard that it was a very successful
rally. Unfortunately, none of it aired on the news. It is vital that
Manitobans get educated on how MPI actually operates. MPI operates completely
oposite of how they advertise. For those that are finally getting settlements
from MPI after years and years of fighting really need to come forward and help
those that are not getting benefits. MPI does not treat claimants fairly nor
are they honest and ethical. MPI will pay claims in some cases just to keep
claimants quiet. MPI often knows that these claimants were actually entitled
to these benefits but denied the benefits anyway just so that MPI did not have
to pay. If MPI does not treat all claimants fairly and honestly, the next
claimant will experience the same frustration. We all need to fight for change
and help those that are not yet aware of how corrupt MPI actually is. I
encourage all people to work together and support each other. The MVAS Group
was started for that reason and we need all members to help each other and help
educate others as well.
Robyn
September 18, 2011 11:47:16 AM
A sincere thank you to all who supported and attended the Autopac/MPI
Investigation Rally. It was a great success and achieved my goals! The first
was to inform Manitobans how MPI has to be changed, and as soon as possible, to
treat Manitobans fairly, honestly, with empathy and above all respectfully.
None of which they have ever done! The second was to show Manitobans they can
stand up and say how they feel about unfair Government policies. Our democratic
rights are being eroded daily by all levels of Government with their disregard
of accoutability and transparency, giving every excuse under the sun why they
do not have to reveal information or data that is our Canadian right to know!
WE WILL CHANGE THINGS! A special thanks to the accident victims who spoke of
their tragic experiences with MPI. If someone could Email me with the name and
contact of the second gentleman who spoke, at changempi@hotmail.com, it would
greatly be appreciated. This Rally is the beginning of the end of MPI's control
over everything they touch! WE WILL WIN.
Sincerely, Robyn
J & J
September 15, 2011 10:13:20 PM
My husband and I both attended the rally tonight. He was driving a car due to a
motorcycle accident 2 years ago(hit head on at a 4-way stop sign) by a drunk
driver, and I rode my bike. I really enjoyed how Robin spoke about MPI. It
seems demonstrations are going on all over the world. The one thing we all have
in common is that we are fed up with our governments. I believe that the time
for being nice has past...it's time to stand up for our rights. Enough of MPI !
Let's put them out of business!
Wayne
September 15, 2011 9:02:09 PM
Good point annoyed, City TV was there, and a few other cameras. Will be
checking the news tonight and tomorrow. Hopefully CBC might have something
online to comment on, but not holding my breath.
Wayne
September 15, 2011 9:00:27 PM
Okay, back from the rally. Was great to see others supporting the same cause.
For anybody I met, or any referrals to the Motor Vehicle Accident Support
Group, you can contact me at waynefranklin@mts.net or click on our link
above, and Adrian will get back to you.
Thanks to all that came out, and a special thanks to Robyn for organising this.
Talked to a few members of the MVA group and we are looking at doing small
rally outside the 3 campaign offices, to stir something up. Don't need too many
people for those, but if you are interested in showing up, send me an email.
Obviously the more people that go, the more swing we have with whoever we talk
to.
annoyed
September 15, 2011 8:58:22 PM
I was unable to make it,how did it go??what topics were covered??any media
there?
Susan
September 15, 2011 8:14:06 PM
Just got back from the rally. My husband and I are victims of no fault. Would
like to thank all the Harley Riders for organizing and coming out to supporting
the rally.
Wayne
September 15, 2011 4:00:11 PM
Two hours to go..let's give 'em $%!#* tonight!
Against MPI
September 14, 2011 12:27:24 PM
Bella:
I was also involved in 5 not at fault MVAs in a 8 year time frame. Out of a
total of approx. 10 vehicles involved in these MVA's approx. 5 or 6 of them
were written off. In my last MVA both mine and the at-fault driver's vehicle
were written off due to extensive damages but yet MPI did not acknowledge that
I (a human being) was also hurt in these accidents. I suffered severe whiplash
in my 1st MVA in 2001 and my last MVA in 2009 was the nail in the coffin. I
had already gone years without being able to work due to whiplash, chronic
pain, Fibromyalgia etc etc....so when my 5th MVA happened I was terrified I
would have to stop working again. MPI was not paying me for any IRI dating
back to my 1st MVA and did not acknowledge any pf my perm. injuries. I was
almost bankrupt when I met my husband. MPI drained us financially by denying
benefits that I was suppose to be entitled too. After my 5th MVA, I got
extremely angry and harrassed my case manager and MPI management until they
explained to me logically how all the medical proof in my favor can be so
blatently ignored. I got copies of all my documents to my case manager and
from my case manager and analyzed them carefully. I was able to prove that my
case manager was deliberting ignoring all my medical proof in her documentation
so after demanding explanations, I am finally being re imbursed for some of my
medical costs and some IRI benefits. I still have many appeals with MPI dating
back to my 1st MVA but at least I can prove that MPI had bad faith when dealing
with my last claim. It is clear now that my case manager was not working with
me dating back to my very 1st MVA. I now have a new case manager and I am in
the Serious and Long Term Case Management dept. MPI should be disgraced by how
they treat claimants. MPI treats all of us like we are all scamming MPI which
is not the case. That is why it is important that people join the MVAS Group
and attend meetings and rallies. MPI will only change if people stand up to
them. Educating the public is key. Fighting MPI individually will not get you
anywhere. It is strength in numbers. Each and every one of us in the group
have genuine proof that MPI is unethical. We help each other because MPI won't.
Wayne
September 13, 2011 7:20:44 PM
@Bella...sounds very familiar to me. MPI says they don't pay for whiplash, as
according to them, it is not a permanent injury.
MPI will never play by the rules until we take them to task. We started the
MVA Support group, as it looked to me, like people fighting their individual
battles were getting nowhere. If we get enough of us together, and represent a
large enough group of people, then we can't be ignored anymore. I highly
encourage everyone to come to the rally on thursday, and to join the MVA group.
You can learn from other peoples experiences, and even just to share with
people who are in the same boat can keep you sane.
I have wondered what would happen if we left the province as well. I'm pretty
sure MPI would just look at it as an easier way to cut my wife off, as we can't
just go down to their office to fight them.
Hope to see you on thursday.
adam
September 13, 2011 3:33:22 PM
Bella, go to the rally on Thursday and make contacts and then contact the MVA
group. When injury claimants share their stories and knowledge there's a better
understanding about how MPI operates.
bella
September 13, 2011 2:08:52 PM
Whiplash many times. None my fault. Horrible pain to neck & shoulders etc.
Can never sleep adequately due to pain. Just had the last accident. High
chance will not work again as barely have been coping the last few years. Am a
professional. Can't take care of the house or yard any longer but have a
husband. Likely selling the house now. Thinking of moving to a foreign
country with very low cost of living as can't afford to live here if not
working. Would this hurt me?? Fighting MPI for a few years with a lawyer
(getting nowhere really) due to MPI's extreme bad faith which should be
illegal. Worried they will pay me for 6-24 months then cut me off despite
permanent injury. Already desperate. Any advice?
Lanna
September 12, 2011 6:23:03 PM
oh yeah, it can take years. I submitted expenses in July 2004 and just received a payment in July 2011. no
room to list every excuse they used. Not to worry though, once they eventually pay you, the interest rate is
phenomenal at about .00021%
Against MPI
September 12, 2011 3:10:17 PM
Annoyed:
Unfortunately, it is very difficult to get MPI to pay for any expenses or IRI
in a timely fashion. Your assessor said they will be re assessing you in one
month. Unfortunately MPI puts all the responsibility on you (the injured
person) to do all the paperwork and follow up. If you can, give your assessor
a phone call and get them to explain the reason for the re assessment and the
score you received when they did your assessment. You then need to confirm the
score with MPI's guidelines posted on their website. You need to document
everything and get copies of all reports and letters to and from MPI. There
may be info. in those documents that may benefit you. Don't expect prompt
payments from MPI. They are known to take months, years and many appeals
before making any kind of payment.
Wayne
September 12, 2011 9:49:50 AM
Not really sure how long it will be, Robyn has mentioned some speakers, and we
will have one member of MVA support group speaking as well if Robyn can fit us
in.
Was just talking to the guys in the office here, and they have come here from
all across Canada. Sounds like some of them are going to come to the rally. As
people learn more, they are disgusted by how insurance works here. The one guy
was telling me in Nova Scotia he was paying $500 a year for two cars and a
trailer. Here in Manitoba, he is now paying $3000 a year. C'mon MPI, explain to
us all how you are cheaper than private insurance (oh, and yes, they receive
actual injury compensation, unlike MPI)
Carlyn
September 12, 2011 7:03:23 AM
Any idea how long the rally might run?
Wayne
September 10, 2011 9:58:59 PM
Well, I just talked to Robyn a few hours ago, and it seems like he is putting
alot of work and effort into getting this demonstration going. It also sounds
like it will be covering every topic of MPI's wrongdoings.
I strongly encourage all to come out. If you are in a wheel chair, or too sick
and weak to come out,it would be great if you could try to come. This may be a
chance for the "public" to see who MPI and the manitoba govt is screwing over.
I have contacted CTV news, and hopefully they will be covering the
demonstration, I hope for them to get back to me so we'll know.
The election is almost here, and I want to thank Robyn for kicking this off
and getting us moving. So far 6 of us from the MVA group have committed to
going, but would obviously like to get us all out there to let the politicians
know we mean business.
annoyed
September 10, 2011 12:55:16 PM
carlyn,
The ot did not give me a score,but she did say she would be re-assessing me in
a months time.seriously i do not understand what all this is and all what it
means and the length of time i will be waiting.do you happen to know how long
people usually wait for an answer regarding their score??thank you for the
feedback.
Carlyn
September 10, 2011 7:28:42 AM
@annoyed: Did the OT who came to see you share what your score was? To get any
help for PCA (Personal Care Assistance) you need to score at least a 9 on their
disability questionnaire. And once you drop below the 9, they'll cut off
assistance.
Go to MPI's webpage, and search "PCA Assessment". You'll find the questionnaire
and more info on what's covered. In my experience, a person needs to be
incapable (not just have difficulty with or pain because of) of a lot before
MPI funds assistance.
I couldn't do outdoor maintenance, and had great difficulty with heavier
cleaning indoors (mopping, cleaning tub, vacuuming, laundry), but got no
assistance because my score wasn't high enough. It's one way they limit costs.
Keep following up until you get an answer. MPI case management staff seem to be
heavily loaded with cases, and not so diligent at following up in a timely
manner. Or maybe they're hoping we'll give up...
annoyed
September 9, 2011 10:12:42 PM
Okay so in the past couple weeks i have went to that senior case
manager,attending physio,an ot has came to see me,filled out level of function
papers,seen my family doctor ect.can anyone please tell me what's to come?like
seriously someones not going to keep helping me for free i am getting so
frustarted.also does anyone know how mpi pays pipp caregiver benefits?someone
told me that they back pay right from up to the accident is it true??if your
approved that is??i am not understanding how long it actually takes for them to
approve you.with my injuries i am feeling so helpless and seems as if nothing
gets done.any info on any of this would be helpful info for me.
Lisa
September 9, 2011 12:11:48 PM
Unfortunately I can't attend the rally as I am starting a work sponsored con.
ed. course at Red River College. Can someone else from the MVAS group speak at
the rally if it is required? It is important that MVAS members and Manitobans
attend the rally to reflect the need for change. No representation equals no
change. From what I have heard so far, a few committed members are attending
the rally - thanks gang ! Strength in #'s !
Lisa
September 6, 2011 12:40:23 PM
I will attend the rally on Thurs. and am ok with representing the MVAS group
and my own experiences dealing with MPI. To all MVAS group members: it is
unrealistic to have the same people fighting MPI all the time because the fight
is actually to protect all Manitoban's from all of MPI's corrupt ways of doing
business. More people should come forward and fight the cause. I encourage
other MVAS group members to attend Thurs rally. MPI will not change how they
do business unless the facts are presented to the public. The facts are that
MPI denies benefits. MPI advertises themselves as an insurance company but they
do not pay claims. Do not feel guilty asking for benefits that you are legally
entitled to receive. Do not feel intimidated by MPI. MPI are bullies. If you
can't come forward, then MPI continues to win. It is just food for thought.
Remember it is easy to blog. MPI could care less about blogging. It is the
media and educating the public that MPI is scared of. Too many people don't
understand the fact that MPI denies benefits they are legally responsible to
pay. How MPI goes about denying claims is a disgrace to all Manitobans.
Lara
September 5, 2011 10:25:02 PM
i've had a few experiences with MPI. My truck was stolen in 2007. Was in
perfect running order. I sed it for work on weekends therefore had all my
mileage recorded. Woke up one morning to my truck being gone. It was found the
next day. There was over 300 km's put onto my truck in less than 24 hours. When
i got my vehicle back my transmission was blown and my engine was knocking. The
truck could not even be driven. The front end was totally out of whack. They
must have taken it out 4x4ing. MPI would not fix my truck. We had to fight for
2 years to get any sort of satisfaction. After 3 months of fighting they agreed
to pay to have the tranny rebuilt as long as we paid for the removal and
reinstallation, but they would not do anything about the engine. I ended up
paying out of pocket for the front end alignment which didn't fix anything
because the whole front end had to be replaced. The next year it was involved
in an accident (not my fault) and it was written off. Again had to fight to get
anysort of selttlment. I'm not impressed with out system. Pay all this money
for insurance...and for what???
robyn
September 4, 2011 7:27:12 PM
Thank you Wayne, we need everyone to show up and be counted at the Leg,
Sept.15 at 6pm. I can Email info and downloadable Rally posters, contact me at
changempi@hotmail.com. Facebook: Change Autopac/MPI. Strenght in numbers!We
will change MPI. Thank you, Robyn
Wayne
September 4, 2011 10:55:38 AM
Wow, election is exactly one month away, and my hands are numb from sitting on
them. There were a few people who talked about sitting on the steps of the
Legde by themselves, so maybe this is time? One month? Are you guys still out
there? I'm gonna try to contact those people, and let's join in. Sounds like
these guys are making an attempt to include everyone wronged by MPI in this
rally so why not?
hopeless
September 3, 2011 2:13:26 PM
wow, robyn, you just described to a 'T' the decade plus experience i've endured at the hands of manitoba
public insurance corruption (mpic)
Robyn
September 3, 2011 12:16:23 PM
Adrian,
Thank you kindly for your comments and support. I am gaining a lot of support
from all different concerns. I would like to hear from the NVAS Group and have
their support and a representive speak about their concerns at the Rally as I
feel that their needs are not being met by MPI (I can be contacted at
changempi@hotmail.com). At a time when an accident victim most needs help, with
the pain and trauma from the accident coupled with the loss of income the
claiment has to fight for funding and rehabilitation from MPI that is
rightfully theirs? MPI is uncaring with no empathy for the claiment, their only
mandate is to save MPI money! MPI will send claiments for a second opinion to
their biased doctors who will disagree with the claiment's doctor and MPI will
cut off the claiments funding and support, with no fair and unbiased means of
appeal, as this is all done internally at MPI! WE WILL CHANGE THINGS ON
THURSDAY, SEPT 15th at 6PM at the MANITOBA LEGESTLATURE. Please attend and
bring everyone you know. Comments can be posted on Facebook: Change
Autopac/MPI. Thank you, Robyn
Against MPI
September 1, 2011 2:07:57 PM
Annoyed:
The MVAS Group is due for another meeting. That may be the best way to help
you. Hopefully you will be able to attend. If you can't attend, please
continue reaching out for help. Don't think you can fight MPI on your own.
Remember, you are not alone. The group understands your frustration.
Adrian Halpert
August 31, 2011 9:35:01 PM
Robyn,
Although I cannot personally attend, I have passed on all the information in
your previous post to the members of the Motor Vehicle Accident Support Group
through e-mail.
I am hoping that they will contact you and be able to show additional support
for a worthy cause.
Adrian Halpert
August 31, 2011 9:30:24 PM
Don't pay too much attention to the title "Senior case manager" since it appears
that everyone and their grandma down there is "senior". It's almost as if they
all gave themselves this title for a bigger paycheck.
As far as receiving PIPP benefits, are you talking about a homecare assistance
allowance? Like in order to pay for someone helping you around the house? I know
that when I had my accident, an individual would come about once a month to talk
to me and see what I can and can't do in order to decide if I still qualify, and
how many hours they would pay my parents for taking care of me as I was living
with them.
If this is the case with you then the one thing I would be weary of is trying to
do things that you really shouldn't be doing in your condition. For instance,
the person may ask you if you can prepare lunch or supper for yourself and you
might think that you are able to stand for 5 minutes long enough to warm
something up, but you really have to consider all facets associated with an
activity. For example, you may be able to stand long enough to make a sandwitch
for lunch but can you really stand long enough to cook an actual meal for
supper? And can you lug around ingredients back and forth through the kitchen,
sit for long periods while waiting for the oven? Is your kitchen located on a
different floor than your resting room which is harder to reach because of
stairs, and what is the pain level that is associated with all these events?
Another example I can think of with me is that they asked me if I could do my
laundry. Well the answer was that I could put clothes in a washer and dryer but
I couldn't carry the basket up and down the stairs since the laundry room was in
the basement of a split level home down 2 small sets of stairs and a full flight
of stairs. They tried to suggest that I would carry the clothes in a backpack,
when I could barelly go up and down the stairs while still on crutches and could
not support any additional weight as I wasn't allowed to put weight on my leg
yet, not to mention the fact that I would then have to wait downstairs for the
wash, when I couldn't really tolerate the pain of being out of bed for more then
20 minutes at a time.
They will try to convince you that you are able to do more then you can do, and
then if you do these activites with extreme difficulty and in pain when you
really shouldn't be doing them, they will reduce the benefits given to you to
pay someone to help you with these activites, and at a certain point cease these
benefits alltogether. It's important that in looking at any activity you
consider your own pain level and well-being rather then what they want you to
start doing. Remember, MPI punishes people who overachieve despite their
limitations by reducing and ceasing benefits.
annoyed
August 31, 2011 6:18:35 PM
Thank you so much for some real good pointers.Today i had an appt on grahm ave
with one of the seinor case managers i signed papers,he asked numerous
questions ect.He told me that in order for me to recieve pipp benifits i have
to have one of their occupational therapists come to my home to observ how much
help i will be needing daily.like what does all this mean??when would i be
recieving any monies from them help just does not come for free these days.I
did have a witness with me at the time.I feel so confused and i wish i knew
what was going to happen in the days to come.can someone please explain this
whole process to me??i am willing to go to the rally even volunteer my time.I'm
looking for answrs like what are their payments??what proff do i need to have?
ect.someone please help.
Robyn
August 31, 2011 5:44:41 PM
The "Autopac/MPI Investgastion Rally" at the Mb. Legestlature on Sept.15th at
6 PM (raindate Sept.22nd)now has: Email: changempi@hotmail.com Face Book:
change autopac/mpi Twitter: ChangeMPI for comunication. We invite Manitobans to
post any bad experiences with MPI, any ideas for the rally, we invite other
groups to speak at the rally. Also needed are volunteers at the Rally. Thank
you. Robyn
Carmen
August 31, 2011 12:15:02 PM
Hi, I had a car accident in 2008, spinal cord injury. Finally when my house got
renovated so I could have more friendly access in my house kitchen, bathroom
etc. I told the case manager and the contractor that was hired through MPI
that, because my previous job that I had when I had my accident that I have all
kind of tools, I used to be a contractor, I was Re-assured that nothing in my
house will get lost or have any damages, when I got back after 3 months of
renovations my tools, jack hammer, quicky saw, drills, etc were gone. The
contractor was the only one who had a key from my house, my house is monitored
from ADT and this contractor cut the wires and could not even contact ADT,
having a contact information and able to call me and ask me to get an
appointment with ADT, I did not had any brake in, who ever took my tools was
who was working doing the renovations in my house, MPI does not want to get
responsable, after we talk about how should be the renovations, honestly you
are invited to come to my place and see on your own how was the renovations
done, how MPI wants me to cook is everything is all over the place in the
kitchen in a wheelchair is mission impossible, I lost many things, many other
things got broken and MPI well is like talking to a wall, I get frustrated,
irritated and I cant believe how helpless I had felt. MPI instead of been a
support its being a nightmare.
Carlyn
August 31, 2011 6:59:18 AM
@ Annoyed:
"Against MPI"'s advice is sound. MPI staff may pretend to help, but in my
experience they're mainly looking for info to use against us so that they can
limit costs. They require 'objective' proof that the MVA caused injury and
related complications before they'll fund treatment or income replacement. They
do their best to convince us that you cant possibly be as much in need of help
as you know yourself to be. The burden of proof is on us.
Rely on your care providers for direction re: treatment, exercises, etc. you
need to do, and what activities to avoid. Follow their recommendations as best
you can while you continue following up with MPI. If your care providers
believe you need additional treatment or assistive equipment, have them send
their recommendations to MPI, including as much objective evidence as possible.
As hard as it is, be persistent. MPI generally ignores what we say unless they
can use it against us. They want us to just go away.
Tap into your personal support network, particularly for emotional support
during this difficult journey. And come here to network with us, of course!
Confused?
August 30, 2011 5:22:02 PM
Any pointers ...had my car stolen and it was involved in an accident - they
interviewed the last driver who just happened to be my son and myself and told
us because it was stolen it goes for investigation. We spoke to the adjuster
approximatly a week a go and she told us they were waiting for the police
report. Today my son get a call that they him to come in for an "interview" he
tells them he was already in and gave his statement and that there was nothing
more he could add to it. They told him if you don't co-operate your claim will
never be settled ???? its not his claim its mine and he can't miss work to
attend this meeting (he just started roofing and they work at a job till its
done) ....any ideas to deal with this I was going to call them since its mine
claim not his and I don't get whats going on to me sound like they are trying
to pin this on him........
Against MPI
August 30, 2011 4:31:43 PM
To Annoyed:
MPI does not work with claimants. MPI actually does the opposite. The
likelyhood that MPI will pay or cover any of your expenses or costs associated
to the accident you were in in a timely manner probably won't happen. MPI
drags claims out weeks, months and years. Some claimants are financially
ruined because of their injuries. I suggest you ask to speak to the BI dept.
manager. If the manager does not call you back, then you need to go to MPI and
ask to speak to someone of authority. If you have been badly hurt, it is
recommended that you bring someone else with you to your meetings. You need to
document everything....everything....everything.... MPI goes out of their way
to frustrate and confuse claimants to the point that claimants just give up.
MPI does not like to recognize BI injuries so if you are without wages, paying
or getting someone to look after your family, dropping out of school, paying
for physio/chiro/etc. you need to start collecting proof of your injuries in
writing from all your medical providers. You need to start proving your
injuries to MPI immediately. If you are having a hard time, it is really
important that someone else helps you because you will eventually break down
emotionally. Not only are you suffering and recovering from injuries but you
also have to deal with MPI and their corrupt ways of doing business. If you
need anything specifically, court case decisions, AIAC decisions or more
specific tips, just post another blog or contact the MVAS Group. The Group
meets and supports each other emotionally on a regular basis. You may find
that someone in the group has recently or previously gone thru what you are
going through. Members may be able to giv eyou more specific information or
tips that may help you. If MPI seems supportive to you in a meeting, don't
fall for it. They get paid well to act sympathetic. By pretending to be
sympathetic makes you trust them. They look for ways to deny benefits and you
have no idea that they are doing that because you think they have your best
interest in mind. Document everyting and start fighting asap is my advice to
you. Good luck !
wayne pruden
August 30, 2011 1:50:24 PM
I have long been opposed to MPI for a variety of reasons. To add to these
reasons is my recent discovery that, in Manitoba, as a pedestrian, who has no
connection with, or need of, MPI, I am walking and I am run over and injured. I
must accept whatever MPI deems appropriate and I am prevented from taking any
legal action against the driver who runs over me. My medical treatment and
compensation is controlled and dictated by MPI. Even though I have no
connection with them other than being a victim of one of their insured clients.
Why do we pay extra for liability insurance if one cannot take action against a
driver insured by MPI?
annoyed
August 30, 2011 1:28:17 AM
Hi I was just wondering if anyone can help me out with a situation i am
currently in,feedback is much needed at present.I was in a motor vechile
accident i was not the driver but a passenger,i opened a injury claim and
recieved papers for physio and medical exspences and travel.I also am claiming
i guess it's pipp because i have 3 small children that i can not care for due
to the accident,it has been well over two weeks and so i am told that my case
has not been handed over to a case manager yet.does anyone know how long this
takes??and what's the process of all of this???I was suppose to start school on
the 7th of sept but highly doubt i will be able to due to my injuries.i have my
mother helping me out with all my housework and taking care of my children.i am
really very confused about all of this can anyone give me some advise or
explain what i should do??the injury claim dept keep telling me to call back
tomorrow to see if my case has been transfered yet.
Ashworth
August 29, 2011 9:52:47 PM
Hi All,
Let's review: If a Motorcycle is 0% and a Cage 100% .
Motorcycle:
Bike repairs - $ 4,000.00 - Deductible - $ 0.00 - Liability - $ 0.00 – not at fault
Injury – is paid out of PIPP – could be say $ 250,000.00.
Cage:
Cage repair - $ 2,500.00
No Injury
Cage insurance:
$ 500.00 – bike deductible – out of Liability coverage – usually about
2,000.000.00 - Only pays 500.00.
$ 200.00 Deductible - to repair the cage.
Bike Insurance pays: this is why for the High Premium
Bikes pay on - $ 3,500.00 + $ 250,000.00.
This is the Premium the bike pays on.
But who should pay? - Who caused the collision?
Cage: who caused the collision - only paid $ 500.00.
Bike Insurance: Paid premium on: 3,500.00 + PIPP 250,000.00
Cage's – $ 2,000,000.00 – did not pay for injury $ 250,000.00 or 4,000.00 for
repairs.
That's why bike insurance is so high.
Robyn
August 27, 2011 9:03:29 AM
Lisa, thank you for your comment. We need to unite for this very point in time
to have a indepth investigation of MPI! Strenght in numbers! We can change
things! If anyone wants to help, has any ideas, concerns or any group who wants
to speak at the rally or anyone who wants more info please Email me at
changempi@hotmail.com and I will respond. A downloadable Rally Poster is
available to be printed and put up everywhere! I need help with this. Also my
message about the Rally that you will receive can be Emailed to all your
contacts, and to all their Email contacts, and so on. Lets get this message on
the internet! Stand up and be counted! We will change things.
Reminder: the Autopac/MPI Investigation Rally at the Manitoba legestlature,
Sept 15th at 6PM (Rain Date Sept. 22nd. Pass the message on! Thank you.
Sincerely, Robyn at changempi@hotmail.com
Against MPI
August 23, 2011 12:39:34 PM
Thanks for all your feedback to my last post. My name is Lisa and I am an
active member in the MVAS Group. I am sorry that it sounded like I wanted to
take over the Motorcycle rally. All I was trying to do is to encourage others
to either join and be organized within the motorcycle rally or do a separate
rally as to not take away from the motorcycle rally. I try to encourage all
people angry at MPI to contribute somehow/someway. It is easy to vent via
blog. Unfortunately, unless we all help each other and do more than just
blogging MPI won't change how they do business. We all need to come forward
and support each other the best way possible. MPI has many flaws so there are
many battles to fight. Sorry for causing confusion in my last post. It was
meant to be sincere, helpful and encouraging to all.
Robyn
August 20, 2011 11:57:25 AM
To clear up any confusion, we are the Motorcylists For Fairness, MFF and not
the Coalition of Manitoba Motorcycle Groups CMMG.
Robyn
August 20, 2011 11:52:06 AM
George, thank you for your comments. I apologise for my remarks to Against
MPI and MPI Sucks. I understand and agree that bloggers do not to have to
reveal their names for any reason. Also I over reacted on the issue of anyone
taking over the rally. I'm sorry. We need to present a united message to all
Manitobans that MPI has to be investigated and forced to provide total
transparency, accountability and a fair method of recourse and unbiased appeal!
We need everone's support to achieve this.
In response to Wayne and Jason's concerns: One of the very important issues
is how MPI treats personal injuury claims. The most important issue I have
heard is a claiment being sent to MPI's biased doctor and reciving a
contridictory assesment than of the claiment's doctor, and having their claim
termenated with no means of appeal! This is a joke! Why should a claiment whose
whole life has being turned upside down, most important finiancially, have to
fight with MPI for funds that are rightful theirs! There is no fair or unbiased
appeal with MPI. What a Joke!
I ran a motorcycle shop, dealing with MPI for insurance repairs for many
years. I quite accepting Autopac claims because it got to the point where I was
barely breaking even or in some cases losing money. They were paying me $54.00
per hour whereas my shop repair rate was $85.00 per hour. When you factor in my
mechanics wages and shop overhead, any profit was slim at best! That's not
taking into consideration of how much time (No pay for that to me, whereas I
paid my employees for time spent). We could never get a hold of the adjuster
and when we did the claim had been transfered to another adjuster as the
orginal one was on holidays, or sick leave or at training! MPI is very ANTI-
BUSINESS! They don't care is shop employees make a decent living!
Aso does anyone know how to Spell Check on this site. Robyn
George
August 19, 2011 3:08:43 PM
whoa... who mentioned taking over a rally or protest. I read this as I find it interesting but I do believe
Robyn is overreacting to that which was not said. There is also no rule that anybody is required to use a
"name" if they are not comfortable doing so. It is attitudes like this that divide as opposed to collaborating
on a problem (MPI) which we all have, regardless of the details. We all hate MPI. Cooperation will get us all
much more success than nit-picking and making accusations based on an inaccurate interpretation.
Against MPI did not mention taking over your rally. Chill out.
Robyn
August 19, 2011 1:53:49 PM
Dear "Against MPI"
We the Motorcylists For Fairness, MFF, are inviting and encuraging every
Manitoban to attend this rally, that was our intension all along. We ivite and
encouragage all other group or individuals to speck at the rally. As far as
organising the rally, we are doing that, and encourage others to contribute
ideas and anything that will enhance the rally. How many rallies has the MVAS
organised to the Manitoba Legeselature, this is our 5th. As far as the media
coverage, we have been dealing with the media for over 35 years in many
aspects.If you are so adament about a rally, why did you wait until the
motorcylists to have one and than try to take it over?
Also, do you have a name? Mine is Robyn as published! What's up with that?
Also to clarify any confusion over my last blog about MPI stating their
preniums were the same as Saskatchewan's, I should have stated that
Saskatchwan's prenium for the same motorcyle was half of MPI prenium, when a
Saskatchwan rider cancelled his road insurance in the fall and received a
refund for 6 months and puttig storage insurance at about $15 a mounth on his
motorcycle. Whereas in Manitoba we pay the full prenuium amount for the year
during the riding 6 month riding season!
Also I am very aware of most of MPI unfairness to Manitoba Motorists having
dealt with them from the start at all aspects of businees and personly! They
have to be stopped! They are out of control! Show Up or Shut Up. We will be on
Facebook shortly. Robyn
Against MPI
August 19, 2011 12:17:44 PM
A rally is a really great idea. Not only do motorcyclists have a valid
complaint about the premiums they have to pay but there are people that have
difficulties in other areas such as inaccurate vehicle damage assessments,
penalties for accidents they were not responsible for, physical and mental
injuries not covered (MPI is a disgrace with respect to settling BI claims),
loss of income, the list goes on and on. If motorcyclists are having their
rally that is great as it is strength in numbers and media coverage that will
expose MPI's corrupt ways to the general public. If non-motorcyclists want to
join the rally, it would be good to get organized and plan how to conduct the
rally so that all the other messages gets through clearly. One or two people
showing up amongst a large group of motorcyclists probably won't amount to
much. The MVAS Group is dedicated to educating the public and airing MPI's
corrupt ways to the general public. To non-motorcyclists, would those in the
MVAS Group and potential new members be interested in meeting and organizing a
structured rally at the same time as the motorcyclist rally?? Would people
rather do a rally independent of the motorcyclist rally?? Members of the MVAS
Group have been on TV numberous times and it would be beneficial for those that
are angry at MPI and want change take the MVAS Group seriously and join our
fight for change. What people don't realize is that being angry and venting
alone or in small clusters won't change how MPI does business. They could care
less. The only way they will change is if there a large angry group armed with
facts. MPI can't lie and deny to all of us. For those that want to attend the
rally that is great but think to yourself what and how is the best way to
convey your message to MPI, to the public and to the gov't?? So many people in
the MVAS Group have dedicated hours of personal time to improve the system for
all Manitobans. I see a bit of improvement in how MPI is handling my bodily
injury claims, so there may be hope for others as well. So many of MPI's
business rules don't make sense. MPI needs to be accountable for their
actions. It is something to think about. Contact the MVAS Group if you are
actually serious in continuing your own personal fight against MPI's corrupt
ways. MPI, Media, Manitobans and Gov't won't take anyone seriously unless we
represent ourselves seriouslly and professionally and armed with lots of
facts. Good luck to the Motorcyclists on your rally. I hope that your rally
is successful. It is good to see that your group is dedicated to the cause are
and fighting back :)
Jason
August 19, 2011 8:24:41 AM
@ Robyn, to maybe continue with Wayne's concern, has your group found MPI's
injury care services and financial compensation to be satisfactory?
Wayne
August 18, 2011 7:05:54 PM
Hey Robyn, thanks for the response. I tried to organize a rally with some
people from your group, but no one from our group wanted to go. I guess it came
down to a difference in messages (possibly they were on holidays, or to injured
to march). I would have to disagree with you on who is hardest hit by MPI, and
say that it would be the people who have actually been hit by another driver,
and then receive $%!#* for coverage. I do hear where you are coming from though.
You guys are charged alot more than everyone else. I would be happy paying $2000
a year, if I actually received coverage from MPI, which sadly we don't.
I think to drop motorcycle rates, you would have to legally prove that when a
cage hits a bike, that the whole cost of the accident is filed under "motorcycle
accident" thus raising your rates. I heard your group had hired a lawyer and am
surprised that he didn't apply for the accident reports through MPI's access to
information.
But, I have been wrong in the past, so I won't claim to be correct, it's just
something that someone whispered in my ear.
Robyn
August 18, 2011 12:01:04 PM
"We" are the Manitoba Chapter of the Motorcylists For Fairness (MFF).
Motorcylists have have been the hardest hit by MPI! Why does is cost $2,500.00
for half the year (The bike riding season) to insure a $10,000 motorcycle. A
MPI representtive at a Coalition of Manitoba Motorcycle Groups (CMMG) meeting
stated that MPI's insurance rates were among the lowest in Canada, giving the
example that Manitoba's rates were the the same as Saskatchewan (also
government insurance) This poor misled fellow (and possible the executive staff
of MPI) must have flunked simple addtion and subtraction in grade school! In
Saskatchewan a motorcylist insures his or her motorcycle for the summer riding
season and cancels the road insurance and pays $15 a month storage insurance.
Whereas in Manitoba MPI charges almost all of the yearly insurance prenium over
the months (approx. 6 months)of the riding season, and during the fall and
winter they charge almost nothing, as cheap as $12 a month for road insurance
during the winter. So if a Manitoba motorcylist cancels his insurance in the
fall, their is no benfit as in Saskatchewan because he has already paid the
whole year's prenium. So to compare us to Saskatchewan you need to double MPI's
rate. MPI sold this concept to the CMMG as a great benifit! So it was really
$5000 a year for that $10,000 motorcycle! They are srewing us. Also we have
organised several rallys to the legestlature in the past, this is not our first
rodeo!!
Wayne
August 17, 2011 9:29:14 PM
Comments: @ Robyn, I would have to ask, but who exactly is "we"? Do you have a group
organised, as people should hear more about it.
@ Ashworth, I'm in the military and I have to pay $2 on friday for casual day.
I don't comprehend how this is an issue with you.
Adrian Halpert
August 16, 2011 9:39:15 PM
Hello Robyn,
I will be out of town for a good month or so, so I will not be able to attend.
However, I will be more then glad to pass the information on to members of the
Motor Vehicle Accident Support Group.
Do you have a contact e-mail or phone they can get a hold of you at if they
require more information? (Meeting spot beforehand, if you're going to have
specific signs, what issues specifically you wish to raise given press
attention, etc)
Robyn
August 16, 2011 2:32:41 PM
We are organizing a rally to the Manitoba Legeslature on Sept.15th at 6.00PM
(Rain Date: Sept.22)about MPI and all their "Dirty Little Tricks". We are
demanding a full forensic review of all MPI's past finincial transactions and
policies,including whe PUB has to take them to court to reveal their past
finicial and exactly where the $300,000,000.00 really came from, right from
their beginning until now! We want this perfomed by the future government after
the Oct.4th Election!! MPI is Bururcacy Out Of Control! They have no
Transparency, Accountabiliity, Fairnees or any Chance of an Unbiased Appeal
aginst them. Their treating of their clients (Us) is totally unfair and
unacceptible!
Stand up and be counted. We want Everyone there, pass this message to everyone
you know! Let's bring MPI to their knees, just as they have been doing to
Manitobans for far too long. BE THERE !!!!
Against MPI
August 16, 2011 12:28:51 PM
MPI is incredibly corupt - corupt to the very core. They are not an insurance
company. They are a gov't business designed to make money for the gov't. They
portray themselves as an insurance company but what Manitobans don't realize
they are not an insurance company at all. Because they make money for the
gov't there is little chance that MPI will settle a claim based on traditional
insurance rules. That is why people experience so many problems when they have
claims. MPI are run by typical corporate execs with a goal of making as much
money for MPI as they can. MPI is short staffed, stressed out and unskilled.
Management and execs do not care because they answer to the gov't and their
goal is to make money. We can't fight them individually. It will take a large
group of people and a lot of public education to make Manitobans realize how
screwed we are. Insurance logic does not apply to MPI and the gov't won't
change it because they are making too much money. It is sad to see that this
takes place in our society. Times are hard and so many are suffering - MPI
could care less.
Ashworth
August 11, 2011 11:03:36 PM
LOCO - SOUNDS LIKE YOU ARE AN MPI employee - I never mentioned anything about
charity.
Ashworth July 27, 2011 9:25:30 PM
Would you believe - mpi staff HAVE to pay 2$ on Friday - for Casual Fridays-
while other Offices - allow casual day on Friday - with no payment required, Law
Courts, lawyers, banks, etc - DO YOUR RESEARCH..........
Ashworth
August 11, 2011 10:45:50 PM
DID YOU KNOW - that many drivers with MB suspended licences get Alberta,
Ontario or Sask licences and then live and drive in MB as visitors. but they are
suspended in MB. How do you think that affects your MB policy rate.
Ashworth
August 11, 2011 10:42:47 PM
UPSET - Please do your research. MPI is there to make sure everyone in MB can
obtain vehicle insurance. Check with Ontario or Quebec or USA states. Not all
people in those provinces and states can obtain insurance, or they pay very high
premiums to insure a vehicle. Do your research.
Many Albertians and Ontarions would love MB insurance.
Ashworth
August 11, 2011 10:37:32 PM
JAMES.
when the other party LIES to their MPI adjuster - what do you expect.
Only SCC can determine who is telling the truth. and you won. - GOOD.
the truth prevailed.
The insurance adjuster is not the police and not the Judge.
So SCC is the answer.
Ashworth
August 11, 2011 10:19:07 PM
LOCO - not an MPI employee. (charity OK) but know better. Who gets the tax
receipt ????? - MPI - ??? why should they/MPI get it..... why should they get
the credit for employee donations???? GOOD QUESTION. ..... - I get info Trax
from everywhere.
Ashworth
August 11, 2011 9:59:18 PM
DID YOU KNOW - a Chinese Licence in Canada with 6 at-fault accident in MB gets
no surcharge. While a Canadian driver would get a Stiff surcharge for each
ccident. Chinese licence - nothing.
Motor Vehicle Branch does not touch them, because the Provincial Gov't believes
they bring more money into the Province than the accident is worth. What if it
were child or spouse they were involved with.
They have no fear.
They can get into so many vehicle accidents (on their Rickshaw licences) and the
Motor Vehicle Branch does not / will not touch them, because of the tuition,
rent etc, "MONEY" they bring to the province.
They take jobs in Canada and pay NO TAXES.
The people NATO are fighting against have their children in our universities.
what a joke.
upset
August 9, 2011 2:17:31 PM
So really to the point MPI is a goverment run company ( like a Commist run
country) and all Manitoba goverment companies have but one mandate "screw the
people" as there is no competition peroid.
Tom
July 30, 2011 6:04:39 PM
James what did you do in small claims court to win and how long did it take for
you to get to small claims court?
James
July 30, 2011 10:38:00 AM
I have had no good experiences with MPIC. I was at a gas station once, nozzle
in hand and someone hit my front fender leaving. He actually said I backed
into him to MPIC and they dinged me 50/50. That was the most assinine decision
ever! I'm not even in the car. I did take him to small claims and he was found
100% responsible but that should never have gone that far, what an annoyance.
Since then my concession is that the adjusters are complete morons or the guy
had an adjuster buddy that did that for him and they are crooked.
loco
July 29, 2011 10:25:09 PM
@ashworth your right on ,on your comments. management do what they like and
then put in on their employees. I like the "operational requirements" BS cause
it can mean anything. But you as an MPI employee should know the $2 to wear
your jeans to work goes to charity.
Tom
July 27, 2011 10:01:19 PM
Ashworth Thanks for all your help and the other party denys my whole story and
says ientered the intersectionand went through it then backed up to get out of
the intersection to turn right. He says I entered on a green or yellow then got
stuck in the intersection on the red.
Ashworth
July 27, 2011 9:51:58 PM
Swear - Means - when you sign A statutory Declaration - You swear to tell the
truth - as you would swear in a court of law. A lot of taxi drivers never show
up in court to swear - to tell the truth.
Ashworth
July 27, 2011 9:48:28 PM
TOM. i understand you were rear ended. While stopped at at red light. You need
the other driver/party to admit it was a red light. And that they were trying to
stop. And then also, that you did not make a lane change. And further info -
what was the other traffic doing should be the same as other driver. But
remember - People do back up when they are too far into the intersection. BUT
Front to rear Damage usually is onus on the person with the front end damage.
But there are so many inexperienced mpi adjusters that they do not recognize
this rule. Front end damage driver must prove his case.
Tom
July 27, 2011 9:32:46 PM
Ashworth not a cab and what do you mean swear?
Tom
July 27, 2011 9:31:39 PM
Sorry Ashworth should be HWT
Ashworth
July 27, 2011 9:31:10 PM
TOM......
take them to small claims court. was the other vehicle a taxi ??? perhaps. they
will not swear at Small Claims court - you may have to take it that far.
tom
July 27, 2011 9:30:56 PM
Ashworth he had 0 damage because he was driving a Chevy HHR it's like a poor
mans Hummer and I looked at the HWA and could not see any reference to this
type of collision. Where did you see it?
Ashworth
July 27, 2011 9:27:44 PM
TOM...... The person with front end damage should be 100% - check the HTA.
Ashworth
July 27, 2011 9:25:30 PM
Would you believe - mpi staff HAVE to pay 2$ on Friday - for Casual Fridays-
while other Offices - allow casual day on Friday - with no payment required, Law
Courts, lawyers, banks, etc - DO YOUR RESEARCH..........
Tom
July 27, 2011 9:24:24 PM
I havecalled the Customer Relations Office and talked to someone there and he
will get back to me, little hope. I have been back to the scene and I just have
not askedc the Bank at the corner or Safeway if they have tapes will do that
tomorrow.Anyone who gets rear ended and then the person who hits you will be
found 50/50 why should honest good drivers be punished for another persons bad
driving and maybe not file the claim because you don'yt want and shouldn't get
5 points off your license.
Ashworth
July 27, 2011 8:56:03 PM
mpi uses "operational requirements" to side-step the union and force their hand
so that they get whatever they want. i am sure the staff is willing to help out
when they can - but "operational requirements" to side-step the union and the
staffing issues and the hours of work is a sad excuse - given this day and age
of acceptable employment requirements. DO YOUR RESEARCH
Ashworth
July 27, 2011 8:48:33 PM
I am sure no one is aware that in a staffing research project mpi did back in
around 1998/2003 - it was advised that mpi increase car claims staff. from 15
adjusters to 18 adjusters at each office, when there were only 5 offices. and
they also noted that with the number of claims increasing each year, that each
year the adjusters required needed to be reviewed each year. NOE with the new
offices, they reduced 4 offices from 16 adjusters to 8. How is this serving the
MB public. Check it out, how long do you have to wait for an appointment at
those 4 offices. Is 2 to 3 weeks to wait for an appointment acceptable to the
public. Please do your research and take it public. TAKE IT PUBLIC................
Ashworth
July 27, 2011 8:19:12 PM
Did you know that when staff is reduced so much/ badly - it makes it hard for
any one to do all job functions efficiently.
Ashworth
July 27, 2011 8:08:42 PM
The members on this site need to do a lot more research - which I believe is
available thru a lot of channels. PUB, etc. Talk to your MLA too. did you know
mpi employees have a GAG order so they can NOT discuss mpi issues to the public.
so the public needs to put the pressure on. you need to do the research and
voice your opinions - out to the public. do not hide or vent on this site - go
public.....
Ashworth
July 27, 2011 7:53:39 PM
did you know that mpi opened 3 new claims offices and they actually reduced the
office staff in all their claim centers. have you ever heard of opening new
offices and increasing hours of operation and actually reducing staff members.
They keep hiring more non-customer service staff and keep hiring managers and
consultants with no insurance experience. they even hired an exec fired by mb
hydro to help run mpi. and you wonder why your claim takes so long to be
resolved. Did you know that they offer 6 hours over-time almost every week to
the customer staff members but won't hire more staff to do a better more
efficient job. that the claims staff members are doing more clerical-support
staff work, because they keep reducing the clerical/support staff in the
offices. Is it any wonder your claim takes so long.
Soew
July 27, 2011 3:43:47 PM
HI!
I'M WRITING IN CAPS B/C I WANT TO GET THE ATTN OF WHOEVER RUNS THIS WEBSITE!:)
I was just wondering if we could perhaps rally a protest group outside of MPI in order to draw media attn
and subsequently, political attn so there could be bylaws that allow more than one insurance company in
Manitoba along with making MPI pay for its illegalities. I mean, we have facebook, youtube, and the likes.
Why not start?
Against MPI
July 27, 2011 12:10:46 PM
Tom:
Did you have witnesses? If you did that would help prove your case and not
hold you 50% responsible. The MPI rule should be as follows: If a vehicle is
rear ended, the driver is not at fault. I suggest going back to that
intersection and see if there is video taping ... perhaps a store has the
intersection in their videos range of motion. You can get them to pull the
tape for that date/time. If you tried clearing the intersection but couldn't
that could be tricky but the adjuster should be able to determine by viewing
the damage if you hit him or he hit you (CSI Investigators seem to be able to
determine stuff like this out). Where you in an intersection with photo
radar? Get the tape pulled if you can. Research the highways act and driving
school material. Keep fighting...people that lie should lose their licence.
Liars ruin it for innocent people like yourself. If the idiot hit you then
that idiot should be charged 100% at fault. Good luck !
Tom
July 27, 2011 9:29:17 AM
What do you do if you were rear ended and then found 50/50 because the other
driver changed his story and says that you backed into him? Yes that's right I
was rear ended at a light he came out and said sorry his fault then when he
went to MPI he said that I went through an intersection then backed up to make
my turn. I thought that the adjuster looked at common senseand rules of the
road or is it just that MPI just does not want to call someone a lier??
RJ
July 22, 2011 1:19:08 PM
I have been rear ended 7 times over the years and i have never been responsible
for any of them! 100% their fault, but unfortunately MPI can do or say what
they want and we have to go through this appeal process which takes years to
get one! keep fighting its all we can do!!!
Against MPI
July 21, 2011 4:33:10 PM
Rico:
I was rear-ended 3 times by careless drivers (3 separate accidents). One was
while I was stopping at a red light, one when I was in a left turn lane waiting
for traffic to clear so I could make the turn (my signal light was on) and my
other MVA was when there was construction and the vehicles in the right lane
had to merge into the left lane. By merging we all had to merge and slow down.
Me and the cars in front of me were slowing down down but the kids in their
mom's van didn't so they kept driving at least 50 or 60kms when they stopped
their van in the back of my car making it a 3 vehicle accident (I was the
middle car). In all 3 accidents I was not at fault. The other drivers were
100% at fault. I did not have to fight MPI and I did not have witnesses for
all 3 accidents either. I did have a couple of witnesses for one or two of
them maybe (I can't remember). If you were rear ended (you were following the
rules of the road) then MPI should not ding you 50/50. You should continue
your fight because if you were not breaking any rules of the road you should
not be held 50% responsible. In the end you will be paying more than $200. You
lose merit points and your insurance will go up. If you get into another MVA
and you are partially or 100% at fault you will really pay alot. Contact a
driving school or the highways dept. They may be able to provide rules that can
support your case. Good luck and contact the MVAS Group if you need additional
help with your claim.
Rico
July 20, 2011 8:51:37 AM
Okay my previous figure of $6,578.00 is a little out as the discount slowly
builds back up over the five years.
But still....
Rico
July 20, 2011 8:42:12 AM
Thanx Johnson, and dang right this is getting appealed!
I just got off the phone with MPIC and found the following...
At 50/50 I should only have paid half my deductible, I paid full.
This will show up on my drivers abstract as an at fault accident and will take
five years to clear! (I'm a professional driver so this is going to hurt)
During this five years I will loose my hard earned discounts on registering the
following: My pickup truck, car, two snowmobiles, one ATV, a camper trailer,
and two utility trailers. Might have to put these in the wife's name...
The total dollar amount this will cost me? Approximately $6,578.00, maybe
higher!!!
$200 deductible my @$$ !
Against MPI
July 19, 2011 4:36:43 PM
MPI has a Serious and Long Term Case Management Dept. For those that have
chronic pain and injuries due to MVA's, you should ask MPI why you are not in
that dept if you are not already in it. I am not that familiar with how the
dept works. I am doing some research to find out more. If you have medical
proof from various medical providers supporting your injuries it is an avenue
that you should look at. MPI will deny the majority of your claims and push
you into internal review hearings and AIAC hearings just to get rid of you. It
is your right to claim your injuries. Unfortunately MPI does not work with the
injured to get them well so you will have to do a lot of the paperwork
yourself. People are not looking to profit from an accident, most are trying
to prevent themselves from being financially ruined from it. MPI does not
understand that. It is your right to fight MPI. They general rule is to lie
and deny.
Johnson
July 18, 2011 7:12:42 AM
Rico:
I don't know the specifics of your incident, but I do know that 99/100, you are
in the right if you are re-ended, almost in any and all situations. I would
take this to the next level if I were you. I was once given a 50/50, when I
was not guilty of anything (in my view anyway). I paid the $25 for a review
hearing; the presiding retired judge took one look and found in my favour.
Good luck, and remember, with 50/50, only MPI wins.
Rico
July 18, 2011 5:51:08 AM
I just got dinged 50/50 for getting rear ended in waht is clearly not my fault,
this is going to court.
MPIC says it's only $200 deductible and not to worry, but there's no such thing!
I have more than one vehicle plus trailers and will loose my discount on
insurance. My drivers license premiums will go up and drivers abstract will now
show an at fault accident. Try getting a job with that if you're a pro driver!
It will take five, yes 5 years for all this to drop back down costing, in my
case, about $1,560 in total!
$200 deductible my @ss!
jo
July 12, 2011 7:40:56 PM
@Dru you can go to arbitration. they bring in a guy to value the car and it's
worth more you get more and if it's worth less then you get their original
offer. that's it really. good luck.
Dru
July 9, 2011 3:30:30 PM
Hey guys,
What is the next step before going through an MPI appeal?
They wrote my car off, I tried everything to get it not written off including
private garages and even a guy I know who was going to lie for me and say it
wouldn't cost that much to fix.. turns out my car would cost thousands and
thousands to fix... so =( I have to say bye to my taurus.
Its a 96 Ford Taurus, perfect shape, new everything. Most recently, new struts
costing me $1200, and a few other costly repairs. MPI is retarded, and they
only give a small % of the parts cost not the labour..
My car also has a very expensive alarm system and cd player in it, which they
only gave me a percentage of the cd player...
My end result after giving so many receipts, is a measly $2700. To most, that
might seem ok, but I spent a lot of money keeping my car up. I wasn't like a
lot of people who want my car to get written off so I can get a new one.
I have waited it out for 4 months, MPI is bugging me like crazy.. They are
going to send me out a copy of the assessment, where I can let them know what I
want for my car.
If I fill out this paper and send it away to MPI, and they reject what I want
for my car... Do I have to go any further? Or can I wait it out again? I know
eventually they want me to get an Ombudesman which costs money.
But can I keep waiting? What else should I try?
Anyone ever had this or know what to do?
In school I was told that if you keep waiting and not getting back to them,
they will up their offer. But they aren't doing it with me! So I dont know...
eventually can they force me to take the $2700? or worse? Will I get less?
This whole thing is so confusing.. MPI of course isn't any help. I hate them!!!!
My email address is: c870621345ca@yahoo.com (its not made up lol), I will keep
checking the blog, and also my email.
Thanks guys!
Wayne
July 7, 2011 7:28:41 PM
Good for you Troy..doesn't look like they skewed the story on you this time. I
don't think anyone really holds out too much hope for the mediation as it's
another "independent" body. Hopefully they will actually help.
Troy Thomson
July 7, 2011 3:15:33 PM
Just wanted to let everybody know that CTV news is doing a follow-up story on
MPI mediation and will aire tonite, they came by and did an update on our
story, will hope it goes better than last time!!
Carlyn
June 29, 2011 8:36:20 AM
If we make our issues with this system known to those with the power to make
change, and repeat them enough times, MPI (or the powers that govern MPI)
should be motivated to correct them.
Last week at the public meeting we heard some very sad stories about people
whove fallen through the crevasses of this system. I hope that there are soon
positive resolutions for those whose names and phone numbers were collected.
Hang in there, people!
Against MPI
June 28, 2011 4:19:46 PM
Last Wed. meeting was interesting but how much did MPI actually hear from us?
It was good to see MVAS group members at the meeting as it shows that
Manitobans are serious about changing how MPI treats their claimants and
customers. The group was not started to make members rich on accidents or have
rules broken. The group was started to emotionally and mentally help each
other. Many of us just want to be treated fairly which is something MPI can't
comprehend. Thanks to all who attended and a message to all the members that
didn't have the strenth or energy to attend the meeting that night don't worry
the group will continue the fight on your behalf. We need to continue to be
unified and strong group.
Margo
June 22, 2011 8:30:08 AM
@Carlyn
I'm one of the very lucky ones and wasn't injured. Mine is soley a fight for a
fair finding of fault, and the make sure MPI pays for the damages they're
supposed to.
I certainly do relate the stories I read here to all my friends and co-
workers. I know I've swayed a couple of minds about how "truthful" MPI is when
dealing with injured motorists.
Carlyn
June 20, 2011 9:24:39 PM
@Sandy:
I feel for you. I am determined to do the best I can to maintain my exercise
and treatment programs while I wait for my AICAC hearing. I'm not willing to
sacrifice the hard-earned progress just because MPI won't fund it, even if it
means going into debt and making big sacrifices while I 'go it alone.' Keep up
as much as you can between battles. Exercise and stretching programs are a big
part of the equation and will help to minimize the setbacks.
Carlyn
June 20, 2011 9:01:24 PM
@Adrian: MPI website has details about Wednesday night's agenda. Seems like
it's mainly about MPI explaining rates and their future plans. Hard to tell
from the wording whether there will be a Q&A segment. I tried to post the link,
but it didn't appear.
@Margo: Thanks to Adrian, I now have your email address, and will be in touch.
I hope you werent badly injured, and that the financial hit (as hard as it is
to handle) is the biggest battle for you to fight.
@Carter: You're correct. Mavis Taillieu's challenges related more to overhead
costs and administrative changes. My memory was faulty. The passing mention to
injury was Andrew Swan's comment about enhancing travel and recreational
coverage for para and quadraplegic MVA survivors. Sigh. Yes, Mavis has been
contacted a number of times by the MVA group and/or its members on these
matters.
Carter S.
June 20, 2011 4:22:22 PM
Carlyn, i quickly read the minutes of the MPI committee. There was more talk
about Marilyn McLaren's executive shower than about injured Manitobans trying to
get just compensation from MPI. Does Mavis Taillieu know that Manitobans are
being screwed by MPI?
Sandy Willis
June 20, 2011 12:02:51 PM
MPI sucks. they took my life away and i received nothing from them except
letter to pay my autopac. in 2004, i was rear - ended and had whiplash from
the accident. i had injuries to my neck and my back and hips. mpi sent my to
physio and chiropractor and once i would get a little better they would cut off
all my benefits. therefore leaving me with nothing. i would appeal and appeal
and during the appealing process i would get worse as i would not be
attending. once i would win it would be the same thing all over again getting
cut off with minor progress. this went on for many years and did not get
better as mpi cut off all benefits and refused to pay for anymore. i am a 32
year old woman with 3 kids. at one point in time i played baseball and had fun
with my children and because of mpi i am unable to play baseball and i am very
limited with activities with my children. mpi is the biggest scam out there
and they should be ashamed of themselves for what they do to peoples lives
while they sit there and make millions. MPI SUCKS!!!!!!!!!!!!!!!
Margo
June 20, 2011 11:04:37 AM
Adrian,
Thank you very much. I've sent you an email with my particulars.
Wayne
June 20, 2011 11:00:43 AM
Yes, Margo and Carlyn, the MPI meeting would be a great place to loudly voice
our concerns, and yet remain somewhat anonymous (in that you are not stating
who you are). Public forum, if we can make enough noise, it might make big
news. Not sure if Adrian has checked to see if our friends from CTV will be
covering it, but I would have to assume they will be.
Also, don't be surprised if MPI has stand ins to ask questions, so I don't
think it is the time to be overly polite. (hard not to be as a Canadian though)
I took the defensive driving course on base as well, and not much you can do
when someone is speeding (as happens alot here in Winnipeg). I've had a few
cars that "magically" appear where there was none before, and they usually
disappear just as fast as well.
Adrian Halpert
June 20, 2011 10:21:44 AM
Carlyn and Margo,
I'm not 100% sure I actually have your e-mails on the contact list. I believe I
have Carlyn's but unfortunatelly since people often post under nicknames on
here, I want to be sure that I don't give out the wrong person's e-mail.
If you still want to get a hold of eachother without putting your e-mail up here
then please send me a quick line at Contact.MVAgroup@gmail.com with your name
and e-mail address asking me to pass it on to eachother. If I don't already have
it on our contact list, then please let me know if you want it added there as well.
Also, unfortunatelly I haven't received an e-mail from Wayne yet about the
public MPI discussion on wednesday, so if anyone has the info about how this
came about whether it's a flyer, an agenda or just more information beyond the
location and time, please send it my way. I have a few other appointments I have
to attend on Wednesday but I'm hoping i'll be finished in time to be there.
Hopefully we have other people that are planning to attend as well.
Margo
June 20, 2011 8:50:19 AM
Carlyn,
On April 3 I posted the basic jyst of what happened. Things have evolved since
then. My Adjuster found me 100% at fault for crossing from alley to alley and
getting t-boned in the process. The car who hit me was speeding, and came from
across 8 lanes of traffic. According to MPI's own Public Affairs office, I'm
supposed to anticipate the intentions of other drivers, even if I can't see
them (there's more to her conversation with me, but too much to post).
MPI wrote off the beautiful car (04 with no rust and very low km) because of
the damage. MPI put it up for auction very quickly. I contacted my MLA, who
recommended MPI not sell the car, so she called the Minister's office, who in
turn called MPI, who in turn called me. I was told they were not going to sell
the car. Well, they did, for 1800.00. I drive a full size Ford Super Crew,
full box. My damage was approx 7000.00, and I was pushed by his car about a
foot, sideways. The bumper of his car was under my rear wheel well and had to
back up so I could move out of the alley.
I just had JB do some work on my truck because it was making the most painful
sound when I drove it. I thought it was the transmission (thus going to JB),
but it turns out my 4x4 vacuum was shot. That's when they found the bent front
lower right ball joint (I was hit on the right front passenger side). Did I
mention that after I was hit my two front tires were pointing in different
directions? MPI won't pay for the ball joint because they say it's not related
to the accident.
My appeal to fault is at the 7 weeks mark now, and if the retired judge (who's
hired by MPI) has made a decision, I won't know, due to the postal strike.
Most people hear my story and think I've been rightfully found at fault. I
know the street was clear. I'm an extremely defensive driver, who even took
the defensive driving course offered by the military (I work along side those
brave souls). I'm 42 and this would be only my 2nd at fault accident (the
other one was a rollover caused by black ice). I won't take this lying down
and will go to the media if I have to. Like I told my Adjuster: If I'm at
fault for an accident, I'll claim responsibility. I KNOW the road was clear
when I entered.
I only gave you little blips about my converstations, and what happened. But
it gets the idea across.
Carlyn
June 20, 2011 7:20:53 AM
Margo,
I hear you. For me the final topping on the cupcake was Ms McLaren's claim that
Manitobans she speaks to are thrilled with recent changes. Who is she speaking
to? I haven't heard from a single Manitoban who understands and approves of
recent changes. It was good to see her words challenged by some, most notably
Mr. Barotzik and Ms. Taillieu, who are listening to the concerns of the people.
It's unfortunate that the current system falls so short.
My experience isn't as tragic as some I've heard, though it has been very
frustrating.
It is challenging to write a letter that addresses the facts of the
deficiencies, and requests improvement. Where do we begin? How much of the
problem is overworked case management staff, and how much is fundamental flaw
of the system?
We are physically and financially exhausted from the recovery process. The
effort it takes to speak up, and fear of attacks from this great (in size only)
corporation hold some of us back. We're tied up in the red tape of dealing with
a crown corporation and the maze of appeals and complaints.
Are you comfortable sharing the basics of your experience in this forum. Margo?
Perhaps some of us will have useful suggestions to help you.
Margo
June 19, 2011 10:19:21 PM
Carlyn:
Even though I am not someone who was injured in an MVA, I also have had enough
of MPI and the shady way they do "business". Please feel free to get my email
address from Adrian and send me quick email to where I can send you my most
recent experience.
Adrian:
If you'd rather not give out my address, can I send you my letter to share with
Carlyn?
I read most of the transcripts (at least skimmed over the small talk), and
found it quite interesting. The CEO is totally snowing anyone who'll listen to
her. Most people are happy with MPI? Yeah, sure. Everyone I get in ear shot
hears of what's happening to me, and others on this site. I'm totally
disgusted and fed up. It's time for a change.
Cheers,
Margo
carlyn
June 18, 2011 12:57:44 AM
I came upon the minutes of the LEGISLATIVE ASSEMBLY OF MANITOBA, STANDING
COMMITTEE ON CROWN CORPORATIONS meeting Tuesday May 24, 2011 online. (I'm
having trouble posting links on this blog. Googleit.) It's interesting
reading...
Judging by his opening remarks, the Honorable Andrew Swan is completely in the
dark to (or chooses not to acknowlege) the way that MPI mistreats Manitobans
injured in MVA, despite (or perhaps because of?) regular meetings with Ms.
McLaren.
Not even passing mention was given to fairer access to injury benefits for the
average claimant. Or more resources to the CAO, so that they can handle the
backlog of appeal cases to AICAC more quickly.
Some of Mr. Swan's comments:
"I am proud to state that this Crown corporation continues to provide efficient
customer service and affordable auto insurance for Manitobans..."
"Clearly, Manitobans continue to benefit from a public auto insurance system.
Recently, a $40‑million enhancement to MPI's Personal Injury Protection Plan
was made... Even before these enhancements, MPI's Personal Injury Protection
Plan, or PIPP, was considered one of the best in the world, and these
enhancements will improve its status further..."
"Manitobans believe in MPI. A recent customer survey reported that a great
majority of Manitobans support the corporation. Most customers, in fact, 92 per
cent are satisfied with the service provided to them at the MPI locations and
broker agencies; 90 per cent of all customers state that they are served either
faster or within their expected completion time..."
"Manitobans are also impressed with MPI's coverage for vehicle damage. A
substantial majority say that MPI provides good coverage to Manitobans.
Manitobans also say that, if they could choose their coverage, they would
choose the most complete coverage over simply the lowest price, but I'm happy
to say that Manitobans enjoy both. "
Pardon me? PIPP is one of the best in the world? In what area? As for those
customer service surveys... they obviously choose carefully who they call.)
Ms McLaren's assertion:
"...we know what Manitobans value and they value service; they value quality of
service; they value comprehensive coverage.
"They are not interested in the absolute lowest cost they can possibly pay to
get their vehicle on the road. They are not driven by a need to have every last
penny squeezed out of MPI operations at the expense of service and at the
expense of coverage.
"Manitobans that I talk to are just thrilled with the changes that we've made,
that were created because of the merger. The Driver Safety Rating program,
people think, is really effective and understandable in ways that the old
system wasn't. They believe this new renewal system, where four years out of
five it's just like paying a bill, if they choose to go to a broker. And they
don't even have to go to a broker; they can pay it online, like all of their
other bills. They are really, really pleased with the changes that we've made.
They think it makes perfect sense. They love the services that are all
available in one place at the service centres. And we think we got exceedingly
good value from the money that we've invested to improve service for
Manitobans..."
"We know we have a methodology that has proven to be an accurate reflection of
the costs of injury claims here in Manitoba, and I think it works for
Manitobans.
Its not working for me, and I'm not thrilled. How about you? And where are all
these people who are "just thrilled" with MPI?
It's time to get those pens out, people. Speak up!
In the next few days, I'll be working on letters to MPI with cc to Andrew Swan
and Mavis Taillieu, and others too, so they know what's really going on. Join
me.
...on second thought, use your own computer. It'll be more efficient. :)
Kerrie
June 16, 2011 2:49:41 PM
Also forgot to mention that I did not agree to fix the car....never signed for
the mechanical stuff to be done to it, nothing. They just shipped it to my
mechanic had him look it over with an MPI Service manager over his shoulder
telling him what they would cover. Never informed me for weeks, next thing I
know the car was towed over to the autobody shop and they were doing the body
work....I had to constantly phone and locate my car for over 6 weeks, no calls
at all from the MPI in Beausejour who have been screwing me around for months
and continue to do so. If I don't constantly follow up on stuff nothing gets
done! And still nothing is getting done. I just paid 360 bucks to my mechanic
to try to locate what is causing all the problems and he just couldn't find the
problem and in order for him to do so would cost me about 3000 to fully analyze
the problem. MPI says go ahead and if we deem that it was caused in the
accident then we will cover you 100% like F(*( off, come on, what kinda scam
are you running, who the $%!#* in their right mind would trust them with this.
NOT ME. I also am out 180 dollars that I put out to have CAA Plus so that when
I'm stranded I at least can get a boost or a tow home.
Kerrie
June 16, 2011 2:42:29 PM
I was in a accident in Dec 2010. We were sitting at a stop light on dugal rd
and were rear ended at at least 70kms an hour then thrown into the car in front
of us. I have been battling MPI for 6 months now, my car was deemed write off
or repairable after 3weeks. I did not agree to their write off amount as it
was about low balled about 2000 dollars and I did do my research etc. and went
back at them about it. I also had over 2200 dollars worth of work done to my
vehicle 6 weeks to 10 months prior to this accident that they wouldn't even
talk about or add to my write off amount even though I was told by a rep at MPI
that I was entitled to any receipts I could muster up that proved I had these
repairs done, which I did. Because I refused to settle and wanted at least the
990 dollars for the repair bill done 6 weeks prior, and this was still leaving
me in a huge financial disaster, they cancelled my loss of use vehicle (that I
paid insurance for) leaving me in a lurch as I live outside the city and travel
daily to get to work. I was forced to move in with my parents for 3 weeks
while I fought to get my loss of use vehicle back. Finally after are hard
fought battle they reinstated the vehicle and the claim went forward. They
started bending over backwards for me which I knew was gonna nip me in the $%!#*
down the line. Long story short, I got my vehicle back finally after 3 months
and when I went and picked it up the engine light was on, horn wasn't working,
front passenger seat belt not working. Very unsafe vehicle returned to me.
Since then I have been battling constant vehicle problems, over heating, engine
lights coming on, engine throttle light coming on, horn not working (but was
working 1 week before the accident when my 17 year old daughter took it for a
road test and I had to have everything working, but when I get the car back
after an accident its not fixed??? like wtf?), completely dead car many times
that had to be boosted (even though it got a new battery put into it cause the
battery cracked in the accident) so many things wrong with it but now "I" have
to prove it was caused in the accident. The only thing they fixed mechanically
was replace the cracked battery and a cracked power steering hose! I did not
want to take the car back (as I knew there would be many more problems cause
things are always missed)it was forced upon me, they decided it was repairable
and not a write off, they back tracked from their original write off offer.
Now what do I do? I have been making numerous calls to all their internal
staff that they keep pushing me on but like come on really? You all work for
MPI, like your going to help me? Yeah RIGHT! MPI and the government are in
kahoots and they are all organized criminals in my opinion. If anyone has any
suggestions for who I can contact next I'd be happy to hear from you. I have
been in touch with Andrew Swans office in the beginning too but am ready to go
that route again as I am not getting what is due to me. My car was purchased
in 2008 for 13,800 cash and 2200 dollars was just recently put into the vehicle
so taking a write off value of 7700 was just not an option for me it was an
INSULT!
Against MPI
June 16, 2011 2:33:10 PM
My case manager did a horrible job managing my claims - she denied many of them
without doing her job to gather the facts. I had to gather the facts myself
which included getting all copies of her letters/reports to and from all my
medical providers and MPI's health services dept. When I read her letters I
realized that they were written in such a manner that she was setting up my
claims to be denied. After my 5th MVA in Sept 2009, I really got involved and
got every piece of paper I was legally entitled too. Every time she made a
mistake, I brought it to her managers attention. My thoughts are that they
instructed her to do a crappy job with hopes that I would just go away. How
much stress can an injured/sick person take dealing with MPI anyhow? Most
people just give up. I asked many times for a new case manager and that never
happened until yesterday. I see my new case manager tomorrow. I would never
say that this is a good sign to anyone but I did want to encourage people who
have legitimate injuries and have medical proof to keep on top of their case
manager and keep reporting complaints to his/her supervisor with proof. You
need to have everything documented. If MPI is wrong they know it. They are
legally responsible to help claimants but we all know they don't. My claims
were being denied, I was being forced into internal review hearings knowing
full well my case manager was doing a horrible job. I fought back, got my
internal review hearings cancelled and new letters were written properly. Now,
there is even more medical proof on my behalf which is what they were scared of
all along. In the end, my new case manager will probably do the same crappy
job but it will be a good example to AICC of how badly MPI has been handling my
cliams. For those that are frustrated please be assured that if you fight back
with the facts you have a strong case. You just need to stay focused and
strong. I may not recoup the $$ I lost because of my accidents, but I would
like to see MPI change how they do business. Also, the MVAS Group was created
to help people. Everyone has an experience to share. I encourage those that
are having problems with MPI to join the group. We help each other cope with
the frustration of having to deal with MPI's corrupt ways.
Margo
June 16, 2011 2:32:25 PM
So, trying to get another repair covered by MPI from my recent claim of just
over 2 months ago, and of course they turned it down. Heavy-duty ball joint
bent, on the same side that I was T-boned on, and they say it was not from the
accident. JB Transmission (I highly recommend them by the way) found the bent
ball joint and asked if I was hit sometime on the passenger front tire. I told
them no, but just behind, and the steering was all "fubar'd". They said the
bent joint was, in their opinion, from the collision. HOWEVER, MPI, in all
their learned years (I think my adjuster is 25) said they're not covering it.
I'd like to know how my adjuster knows more than JB and Ford!
wayne
June 15, 2011 10:32:33 PM
Apparently the CEO will be there. It's mainly about rates, as that is all
manitobans seem to care about. Send me an email and I will forward it to you.
Not sure if my last email got through to you.
On a side note, just had to sit with an MPI investigator in a social situation
and hear how he has ruined lives, but of course, the claimant was lying as
usual. I mean, why would a person in agony go to work? Surely they don't have
bills to pay.... $%!#* in MPI and the people that work there make me sick
Adrian Halpert
June 14, 2011 9:50:01 PM
Hey,
Just wondering how you guys found out about the public meeting and if there's
anywhere to get more info about it. Ie: If there's a pre-planned agenda, who
will be there speaking on behalf of MPI, etc..
Against MPI
June 14, 2011 5:34:39 PM
It is important that people attend the MPI June 22nd meeting. We need to come
forward and fight back in person especially if media is media there. MPI will
not change how they do business unless there is enough people fighting back.
If you fight MPI individually, you probably won't have much luck but if enough
people come forward with the same type of complaint, MPI may have to do
something. The car thieve story is one example and another story was the
crappy job they did rebating premiums. MPI is not being held accountable for
their unprofessional and unethical way that they do business on a day to day
basis. Hope to see you all at the meeting.
wayne
June 14, 2011 8:44:06 AM
no $%!#* sherlock, tell me something I don't know.
LMAO
June 13, 2011 10:27:57 PM
HEY WAYNE! MPI STILL SUCKS!!!
wayne
June 13, 2011 3:54:33 PM
wednesday, june 22nd 7:00 pm
grace lutheran church fireside room
211 kimberly ave
mpi is hosting a public meeting and discussion...hope to see you there
Lanna
June 12, 2011 12:32:10 PM
I notice there are no details of the accident. Were there any injuries? Some nerve to whine and blame
someone for your own ineptitude and law-breaking. Let's just hope that there were no injuries.
Inexperienced law-breaking driver causes accident....this is precisely why I believe insurance rates should
be way higher and far more discerning. People like you who disregard the law...since you're so completely
self-absorbed and immature...cause harm to the rest of us. People who are injured get screwed by MPI
and it's jerks like you who could care less beyond how it affects you...boo hoo. MPI is likely to spend more
money chasing your pathetic rear-end trying to recoup a few thousand bucks than is worth the trouble. I
would pay your debt in a heartbeat to have my previous life back. Whine elsewhere. Grow up, take full
responsibility for your actions and pay your debt. MPI Sucks and ditto for whiners.
Adrian Halpert
June 12, 2011 11:49:08 AM
"the car was a friend of mine that i convinced to let me use while he knew I
didn't have my full liscence. Isn't this situation partially his fault cause if
he woulnd't have let me use his car this wouldn't have happened"
So because YOU convinced your friend to let you drive without a licence, which
resulted in YOU causing an accident, you want to hold him responsible for
everything that happened.
Your friend may have been stupid to listen to you and obviously to be your
friend but you are 100% to blame for your actions behind the wheel. Like Carlyn,
i'm not sure what you're looking to achieve here. Maybe it's time you take
responsibility for your own actions.
Carlyn
June 12, 2011 7:28:20 AM
Jesse,
Your friend should be thankful that MPI paid for the repairs. The facts, as you
have stated them, are that you were not driving with a licensed driver, despite
having only a beginner's license. You were at least 75% at fault. You signed a
contract agreeing to pay MPI the money they asked for, and haven't kept the
terms of that contract. What do you hope to challenge?
jesse
June 12, 2011 3:05:05 AM
Back in 2005, I was involved in an accident in my friends car that was insured
while I had only my beginners liscense. The accident was my fault 75-25 in my
opinion but I had no one in the vehicle with their full liscence. I went through
the deductable process and all that stuff, and MPI even covered repairs on both
vehicles. They said I had to take a road test and pass on my first time. After
my (flawless) road test, I was given a fail and now I have to pay $9300 to MPI
to cover repairs. I seriously believe that they purposely failed my to get money
out of me after having read many stories on this website and from other sites. I
have an order to appear in court infront of them. I am just wondering why they
would cover repairs before anything was even finalised and I have never signed
anything up until 2009 when I signed a contract stating that I would pay them
$25.00 a month from oct.8 2009, til sept , 2010. I have since given them only
25$ and now I received many spam emails in my FACEBOOK from them, stating this:
TAKE NOTICE that the Manitoba Public Insurance Corporation ("MPIC") has filed a
small claim in the Court of Queen's Bench of Manitoba (Court File No. SC11-01-
18650) in which you have been named as a defendant as a result of a Promissory
Note which was executed on or about October 8, 2009, whereby the defendant
agreed to pay to the claimant the sum of $9,343.55 by way of monthly payments of
$25.00 commencing October 8, 2009 until September 8, 2010. To date, the claimant
received $25.00 on account of the said Promissory Note. The defendant is in
breach of the Promissory Note having defaulted on his payments and therefore
owes the claimant the sum of $9,318.55 plus pre-judgment interest and costs.
Further and more detailed allegations, including damages in the amount of
$9,318.55, can be found in the small claim, a copy of which will be mailed to
you upon your request. Direct your request for a copy of the small claim to:
Manitoba Public Insurance Corporation
Recovery Legal Services
929 – 234 Donald Street
Attention: Susan Owen – (204) 985-8693
Winnipeg, Manitoba R3C 4A4
Because your current address is currently unknown to MPIC, the court has ordered
substitutional service upon you by this notice. Should you wish to oppose the
claim or seek other relief, you must take steps in accordance with the
instructions provided in the small claim. If you fail to file a notice of
intention to appear not less than 7 days before the hearing of the claim which
is, June 27, 2011 at 1:30 p.m. at the 3rd floor – 373 Broadway, Winnipeg,
Manitoba, MPIC will appear and default judgment may be given against you without
further notice.
does anyone have any advice? would this be possible to fight? the car was a
friend of mine that i convinced to let me use while he knew I didn't have my
full liscence. Isn't this situation partially his fault cause if he woulnd't
have let me use his car this wouldn't have happened.
please email me if you have any information you think i may find useful. my
email is jesseclaytonjames@gmail.com
P.s. i was not impaired at all at the time of the accident.
Jason
June 10, 2011 7:22:46 PM
I figured I would buy a motorcycle to drive back and forth to work instead of driving my big 4x4
truck when not needed in the summer.try and help out with the environment and save money on
gas as well.boy was I wrong with thinking I would save money.the money I don't spend on gas for
the truck I give to mpic so I they can let me drive a motorcycle in Manitoba.
So so wrong
Margo
June 9, 2011 12:15:08 PM
You'll be lucky to get any kind of information from MPI! I'm fighting their
finding of fault (yup, I was 100% in their eyes) and they wrote of the other
car. It was sold oh-so-quickly. I know someone who can usually get the
information of who bought the car, but apparently this time he can't see who
bought it. I actually went to my MLA, who in turn went to the Minister's
office, who in turn called MPI, who called me back. The car was NOT to be sold
at auction, and I was told on the phone that it was NOT sold at the time of my
phone conversation. They were to pull the car so I could find some way of
proving the other car was speeding when he hit me. Lo and behold, they sold it
anyways. LIED right to my face (so to speak). I'm waiting for the Judge to
send me his results so I can take this further than it has already gone.
So, to make a long story short...good luck! (I'm still finding stuff wrong with
my truck that I'm trying to get MPI to pay for! A BENT lower ball joint on the
same side of the impact...coincidence?)
Carlyn
June 8, 2011 9:28:04 PM
I'm looking for feedback re: vehicles sold at MPIC auction. Do they typically
come with any information that would identify the previous owner?
Registrations, keytags with names on them, etc.?
Adrian Halpert
June 7, 2011 4:32:23 PM
Alright so it took longer to get posted than I thought but here it is: Me on the
show Winnipeg Direct, discussing MPI in terms of Public versus Private Insurance.
Don't mind the mispelling of my name, apparently I've become one of the Hardy
boys lol. Also as you can probably tell I was a bit nervous and towards the end
I was getting a little frustrated with the ramblings of the old man.
Regarding my earlier blog...MPI was notified as to the non ownership of the
horse... MPI took along time to review this matter, and contact us, in the
first place...So we thought it was not going to be a problem...No, the police
were not told because they did not take a statement, just wanted to find the
owner, they seemed unconcered as to the facts...MPI just keep saying "Your
husband claimed it"..in the dark in the pouring rain, a totally gutted,
unrecognizable animal...They still did not prove faulty fences..the police
got "stung" by the electric fence gait they had to come through, to the
house...We ride the fences every day...It happen in the middle of the night, I
guess I should telepathically just know, and go and retrieve the horse in a
timely manner!...If anyone comes to your door and says i've just run over your
dog or cat or whatever, slam the door in their face! you will be held
responsible for all damage to vehicles....Make more money MPI!!!
horse lover
June 6, 2011 7:31:14 PM
Parts of the story seem missing, surely you notified the police the next day that no horses were missing
and your fences intact? If they weren't your horses it seems an obvious error and is up to you to clarify.
Naturally MPI will try to lay blame somewhere. It is your responsibility to provide the facts and if the facts
are that the horses were not your horses seems like a mistake to blame you. Take a photo of the 'live'
horse and send it to them.
Frustrated! help!
June 6, 2011 11:16:54 AM
We are being sued by MPI for $16,000 for the total right off the a semi
truck.MPI claims we failed to return a loose horse in a timely manner to it's
confinement area. Claims we failed to keep it confined safely.
In October of 2009 the police showed at our rural property door, at 3 am, in
the pooring rain. Lights going, red and blue through out our house! "There's
been 3 horses hit on the highway",by a semi, we were told.We rushed down the
driveway & out to the road, with the ploice.
On the side of the road was a dead horse, with a blue halter.The the
very 'nice' police were concerned to find the owner, my husband said "looks
like one of ours, we have blue halters". But where's the other horses? They
said they looked for 2 hrs,could not find any others, the accident happened at
1 am.
The driver said had just been discharged from the hospital, as she was dying of
cancer, throughout her body, on high pain killers, was expected to die very
soon! So she thought she would do "one last run"
All this happened in the middle of a dark night,in the rain. Not infront of
our property, on the other side of the highway. No statements were taken. In
the morning we found it not to be our horse, did not find any of our horses
missing, or any of our fences down.
We are honest/hard working, earning just above the poverty level.Living day to
day, no cell phones.We could never afford house/liability insurance. Can't
afford a lawyer, So now we have to give the ALL-Mighty MPI our spare change for
the next 10 years!!They are willing to settle on a mere $10,000. oh joy!
Parvez Ahmed
June 4, 2011 2:31:18 PM
Who guards the guardians?
I received a very vague notice issued by Mr. Ward Keith, the Registrar of MPI,
date March 15, 2011, stating that my driver licence can not be renewed from May
01, 2011 until I settle with justice department.
I went to legislative Building on March 23, 2011 and had a meeting with Mr.
Michael Kelly, Executive Assistant to Hon. Andrew Swan, the Justice Minister and
Attorney General as well as Minister responsible for Manitoba Public Insurance.
I expressed my formal concern in connection with ongoing and latest reprisal
against me and inquired about an explanation, as what section of law being
applied on this self created sanction imposed by MPI on me, especially while I
have an excellent driving record for the past 39 years of living in Canada.
I got no response, although I have sent written 3 reminders to Hon. Andrew Swan
and copies of those correspondence were sent to Hon. Richard J. Scott, the Chief
Justice of Manitoba, Hon. Robert Douglas Nicholson, the Justice Minister of
Canada. Besides, i have constantly been calling through telephone to Hon. Andrew
Swan'office, but my concern is being swept under the rug by turning blind eye on
it.
This is one of the worst law of jungle being enforced on me and this is all
because of monopoly and abused of power on the part of MPI. I just sent another
correspondence on June 01, 2011 to the attention of Hon.Robert Douglas
Nicholson, the Federal Minister with copies submitted to The Prime Minister, The
Governor General, The Chief Justice of Manitoba,The Minister of MPI,CAIR-CAN
Council A.I.R., as well as local MLA.
I repeated my legal concern and answer to my question of law and have been
waiting for reply.
Carter S.
June 3, 2011 8:22:23 AM
see editorial in todays Winnipeg Sun.
Adrian Halpert
June 2, 2011 5:22:32 PM
Eric,
Despite wishing that the money would have gone to actually paying injured
claimants fair compensation, I completelly sympathise with your cause.
MPI was ordered to re-imburse 45% of all insurance premiums paid within a
certain period. Not 45% to some individual, and random other sums to other
individuals that short-changes them due to arbitrary policy renewal dates or
other factors that MPI considers are a legitimate excuse for screwing over
customers.
I really like your letter, and I would go so far as to recommend that anyone who
was short-changed copy it and amend it to address their own rebate short-coming.
I would also recommend that you send your letter to the Public Utilities Board
as well.
Against MPI
June 2, 2011 4:33:31 PM
We have to remember that the rebate was the result of an investigation by the
utilities board concluding that MPI had too much money in their Bodily Injury
fund. The utilities board demanded that MPI return that money since they
weren't using this $$ to actually pay BI claims. This conveniently all came up
shortly after the car theives getting MPI settlement stories broke on CTV
news. This was no doubt a form of payoff to shut Manitobans up because many
Manitobans were upset that car thieves received huge BI settlements.
Unfortunately many Manitobans don't realize that we as paying customers can't
get these kind of settlements for actual injuries sustained in a MVA. Worse
yet injured paying custumers can't get medical expenses paid. Car theives got
better treatment and settlements than honest people. Instead of giving all of
Manitoba a so called 45% rebate (and yes their calculations do not make sense
and many feel shortchanged) the $$ in the BI fund should have gone to those who
have been injured in MVA's since the inception of No Fault. Many injured
people are bankrupt, on welfare or being supported financially & being taken
care physically by relatives because they are too injured to take care of
themselves. MPI collected that $$ for BI claims and never used it and still
continue to deny very serious BI claims. How much money can a crown
corporation make at the expense of those who pay to be insured while driving a
vehicle? All of MPI's actions are corrupt to the core and don't make sense.
Eric Brusse
June 2, 2011 3:24:18 PM
The following letter has been sent by me to the premier, leaders of PC and
Liberal parties, my MLA, and Marilyn McLaren at MPIC. I strongly encourage
anyone who has been unfairly treated by MPIC and not received a fair rebate to
email/phone/write to your elected representatives and party leaders also. We
should not be sheepish victims and simply resign to the unfairness and defacto
theft of money that is ours by any common sense measure of accountability.
Regarding the 2009/2010 MPIC Rebate:
MPIC has failed to clearly and accurately communicate the period for which
basic premiums are considered to be eligible for the 45% rebate and has
furthermore outraged many continuous policy holders by unfairly short-changing
them in a manner that defines common sense. MPIC should be held to account to
demonstrate why it should not be the case that if a policy holder paid X
dollars of basic premiums within a qualifying period P and the stated rebate is
45%, then the refund should be 0.45 times X, notwithstanding specious arguments
about policy transfers vs. renewals for changing vehicles. The
misunderstanding and source of confusion is entirely on the part of MPIC and
not the policy holders. MPIC has failed to communicate and to perform this
calculation in a fair and equitable way and thus failed to refund monies owed
to many rate payers in accordance with the spirit and intent of the rebate
directive. It is the opinion of some MPIC customers that a class action
lawsuit is warranted to address this situation, which amounts to no less than a
massive public sector scam with respect to disbursement of rebates.
These unconscionable and unfair practices should not be tolerated. This
illogical and nonsensical process amounts to rationalizing the theft of money
from some policy holder's payers who have paid continuously and in full. It
has also unfairly returned money to some policy holders by overpaying money on
the basis of a technicality of timing and illogical process that has been
unreasonably dictated by MPIC. This process could be demonstrated to be
subject to abuse, fraud and collusion for the purpose of monetary gain,
dependent upon the level of insider knowledge at the hands of MPIC employees
and representatives. This ill-advised process could also harm the financial
position of MPIC and has unfairly harmed the financial position of a
significant number of policy holders while at the same time unfairly benefitted
the financial position of some policy holders.
I personally have paid premiums throughout the indicated fiscal period from
March 2009 through Feb 2010 yet I have not received the indicated fair payment
as per the calculation method reported by the Winnipeg Free press (see excerpt
on How it's calculated below), or as per a reasonable and common understanding
of the terms of the rebate as indicated in the letter from MPIC that
accompanied the rebate, which states, "If you had a valid Autopac policy in the
2009-2010 insurance year, you're entitled to a rebate of the premium you paid
in that year." I received a reduced payout amounting to approximately 67% of
what I am owed. I don't take it lightly when an organization steals my money
or withholds it without reasonable grounds. Others have fared far worse and
are understandably very upset. The reason for my reduced payout that has been
given to me by my insurance broker and by the MPIC information line is that,
because I purchased a new vehicle in Sep 2010, my policy renewal on the
previous vehicle that was initiated in Jan 2010 on the scheduled renewal date
and within the MPIC qualifying fiscal period was cancelled and that the
subsequent policy on the new vehicle that was opened in Sep 2010 was ineligible
because it was started outside of the qualifying period. I understand that
premiums paid outside of the indicated fiscal year would not be eligible,
however, I did have a valid and paid Autopac policy throughout the 2009-2010
insurance year and no circumstance of timing can alter that irrefutable fact.
Specious arguments to the contrary only show the level of disdain and ignorance
that MPIC has for customers.
I have been affected by this unconscionable accounting practice on one or more
prior 10% rebate events since 2003. I have been short-changed even though I
have been a policy holder continuously, without interruption, throughout all
the rebate events.
These unconscionable and grossly unfair practices have got to stop. If MPIC
will not address this matter then the only avenue of recourse may be a class
action lawsuit. If for the sake of argument, only 10% (published estimates say
17%) of 579,257 policy holders payers got unfairly short changed by this
reprehensible accounting practice, then that would be a potential class size of
57,925 victims.
As a tax payer and voter, I am enraged and disillusioned by the level of deceit
and high-handed dictatorship that has been displayed by MPIC and respectfully
request reasonable representation from my elected representatives. Reasonable
representation will uphold principles of fairness to both MPIC and the
customers of MPIC and should espouse arguments for equitable calculation of
disbursements that do not defy common sense of understanding of citizens.
I expect you will be hearing more about this matter from other concerned
citizens as well as me. I thank you for your time and attention to this matter.
Against MPI
May 31, 2011 4:39:28 PM
This is to Paul: I read your story and I sympathize with your case. MPI is
incredibly corrupt and extremely unethical. No insurance company would be able
to operate like them unless they are gov't owned. MPI denies most of their BI
claims or make it difficult to claim. The money they spend denying and fighting
claimants could be spent rehabilitating and paying for injuries instead. MPI
does not operate under true no fault. The general public thinks people
fighting MPI are all wanting huge payoffs but in reality people just want their
expenses covered and be re imbursed for financial losses such as IRI or
rehabilitated. I suggest you should join the support group. People who have
been injured can benefit by joining this group. Everyone in the group has been
mistreated by MPI in the most inhumane way. The group provides emotional
support and each one has their own experiences. Their experiences may help
you. Please check out the MVAS website for more details. The group is
available to anyone who is victimized by MPI.
paul moffat
May 31, 2011 1:16:17 AM
My name is paul.a.moffat my claim number is 6514561 This is a few words
about me prior to my accident l was in a car accident on Des 2 1999 l was
driving down Lagimodia towards regent ave .l was driving up the bridge when i
noticed a woman laying up against the bridge wall curled up in a ball .l was in
the outer lane so l pulled off of the highway on to the centre medium l looked
behind me and no one was there so l turned off of the road but before l could
get off the road some one coming up behind me hit my car at highway speed 70
km the driver of the car that hit me just clipped the corner of my car sending
it spinning into the ditch and ending up on the railing on the other side of the
roadway.l am sending this paperwork.it states that l am entitled to a permanent
impairment for my shoulder,it states that there is waisting in my shoulder it
states that l was paid for this impairment,l was not .also it states that l have
degenerative changes involving my lower cervical spine,it states that there is
mild impingement of the spinal cord,also it states pain disorder associated with
both psychological factors and a general medical condition and major depressive
episodes,mild to moderate in severity without psychological psychotic features,
also it states mild disc space narrowing at C4,C5,C6,C7 also shallow posterior
disc bulging and posterior end plate degenerative spurring resulting in mild
central spinal stenosis also slight flattening of the cervical spinal cord .l
received a permanent impairment for my C5 C6 but in the paper work it states
that there is cut off of nerve root at C5 ,C6 ,C7 ,l cannot blame them for not
finding this .l had a lawyer involved named george funk and ellery strell and
they did not find it ether ,even thou it was on the same page so how come l
got paid for 2 and not 3 of them ,l have not received payment for one of
these,also it states that l had turner down work as a telemarketer,security
guard ,light assembler,car lot attendant .research into these positions.it
states that the salary ranges for these positions would not allow me to obtain
a compensation level anywhere near my pre accident earnings,now they want me to
take a job working for wall-mart,autolist of canada,lan pro winnipeg dodge
chrysler and canadian tire, these are jobs that l would never consider working
at,it was stated that l agreed to work at one of these jobs, and on the next
line l said that there is no way l would work there now does that sound like l
accepted that job ,l think not .l did not why would l take a job for less than
half of my previous pay, l was told to go to work for 2 hours a day and at the
end of one year mpi will cut my claim by 75% well because of my refusing a job
that l did not want to do for the rest of my life, for obvious reasons of all
the things still going on in my life.l am now receiving 476.76 instead of my
1221.39 by weekly.
On my
reports of my not being able to sleep throughout the night,because l cant sleep
on my right side,l had no problem sleeping on my right side before my accident,l
think that this is attributed to my wearing my seatbelt when l was thrown around
in my car at the accident ,my car was rear ended at highway speeds 70km my
car spun around very fast it went from looking down the highway that l was
on ,to looking at the place l was just parked,across the highway my car climbed
the guardrail on the opposite side of the road that i was on .l have talked to
my doctor about this on more than one occasion,l told him it feels like my
insides have shifted,because when l lay down to go to sleep because of my
injuries low back and hip plus headaches l toss and turn a lot in my sleep.when l
sleep on my right side,my breathing changes it feels like my lung is pressing
on my ribs or something else and my heart rate goes up and l have to turn over
onto my left side,this goes on all night resulting in my loss of sleep,this has
been going on since my accident. In regards to my hip it has been documented
from the beginning of my therapy with crystal profit that i did something to my
hip, after doing therapy for a short time l noticed clicking In my hip from
riding a stationary bike this is and still is giving me pain and grief it is
annoying aggravated by walking and lots of other things like stairs,as you can
see from the beginning of my claim all of the symptoms that l reported in the
beginning are still with me today .in one of the reports from ARCC they did a
physical capability report in the report there is something going on with my
left leg nothing has ever been mentioned about this also it has my grip
strength.
also it has my grip strength for left and right hand
as you can see my grip strength on my right is 40.7kg and on my left is 24.6kg
this is also an impairment and also nothing has been mentioned about
this .according to these reports there is damage to my left leg ,the left side
of my hip my back with pain in my left but ,my left arm my left shoulder and
also damage in my neck,with something going on with my insides,resulting in my
loss of sleep,l would say that the amount of damage here should be looked into
for permanent impairment. it is obvious that my whiplash was substantial as
with my left bicep there was a 2% for my left arm and 2% for my left bicep l
think that my 2%impairment for my bicep should be more.
I think that my two present for my bicep
should be more,when l look at both of my arms l can see slight wasting in my
left arm and very noticeable change with my left bicep ,so noticeable that
people keep asking me what happened.it is very noticeable and l think that the
2% is low and has to be reviewed. it is also stated involving my
lower lumber spine ,it was noted in the beginning of my therapy,that l had mild
spurring facet arthropathy seen at L4,L5 and S1 slightly worse on the left ,it
states that there is something going on there before my accident, also there
was something going on with my neck at C4,C5,C6,C7, it is ststed that after my
accident l pinched 3 nerves at the root ,l am no doctor but with the amount of
damage in my neck is it not possible that some of the trauma from the accident
also did more damage to 3 of these joints in my lower back ,this low back
problem did not bother me before the accident. there is also a page from mpi
page 215 and it shows some of the motor impairments and sensory impairment
there was nothing awarded for sensory impairments,and my impairment award was
the lowest lmpairant on the chart.
And according to this chart l should have some kind of impairment
for my L4,L5 and S1 since this has been with me from the beginning it also
states some impairment benefits for head and neck that l did not receive, as to
my bicep the motor impairment classes the range goes from 4% to 16% l would say
that my impairment should be in the 10% to 16% as to the damage in my bicep
with sensory impairments between 2% and 5% l think this has to be looked into
further.also in regards to sex ,l have not had sex for over 11 years now do to
pain in my lower back pain in my neck and headaches,l think that there should be
some kind of impairment entitlement for this,as to my visit with Dr,M,Etkin
WHAT A TOOL ,oh by the way he is a psychiatrist and not a very good one ,he is
more interested in all of his qualifications,l told him of my loss of sex drive
and the fact that l do not dream anymore don't even have wet dreams since the
onset of my accident ,when l go to bed and lay down ,before my accident when l
went to bed l would lay down and there were several things rolling around in my
head,
Weather it was something to do with work or something with my
car or something related to my kids there was always something going on in
there after my accident now when l lay down to go to sleep there is nothing
going on in there, l would say that this is definatly related to my car
accident but obviously Dr Etkin did not think that this was important,as he did
not report it in his paperwork, l think there should be some kind of impairment
for this ,and as far as my loss of lifeswork and the fact that l cannot do any
of the jobs that l did on the side including rooftop snow removal fixing up old
cars restoring and painting them,stained glass work tattooing landscaping and
home renovations l also started glass sculpting about 16 years ago but can no
longer do any of these hobbies ,there should be some kind of impairment for
this ,also in the files Darlene Chestley stated to me that l brought pain and
headaches with me from borland,there are letters that state that l went back to
work and that l had heeled well .
There are 4 check stubs prior to my accident as you can see l was
back to work full time for more than a month , l worked for ELLIS DON and part
of my duties there were to jackhammer a 2 ft by 2 ft hole in the wall 8 to 10
inches thick standing on a 8 foot high scaffolding jackhammering took hour and a
half to two hours to complete there were about 3 holes that l did ,there is no
way that l could do this kind of work if l had any kind of impairment ,also
this is a list of the jobs that l held in the past ,ELLIS DON NOVEMBER
1999, BIRD CONSTRUCTION JULY 1999 TO OCTOBER 1999,BIRD CONSTRUCTION JUNE
1999,BIRD CONSTRUCTION DECEMBER 1998 TO FEBRUARY 1999 KRAFT CONSTRUCTION
AUGUST 1998 TO NOVEMBER 1998 ,so as you can see l was working full time ,l do
not know anyone who cannot relate dancing and sex to be a big part of there
life ,as for my accident l find that the medication helps me sometime , l am
now taking 4 pills a day but this is not a cure also l started taking Dr
Franks joint and muscle spray and this to helps somewhat but this to is not a
cure,when l phoned Darlene Chestley my Senior Case Manager to see if mpi would
pay for this,she said to me ,well if it is helping you maybe you should go back
to work,l have been on this claim for over 11 years now and not much has changed
since the onset of my accident.
It was also noted that mpi had reserved a file for lifetime
IRI and retirement income benefits, l would like to know what changed from then
to now .l sent all of the papers backing up all that l am bitching about and
mpi blatantly denied all of this ,l would like a copy of this to go
to
justice minister mkempe@mpic.mb.ca MPIC VP CORPORATE
RELATIONS MMclaren@mpi.mb.ca Marilyn McLaren. jgerrard@leg.gov.mb.ca
John Gerrard respectfully paul
moffat
Adrian Halpert
May 25, 2011 6:10:48 PM
Hello,
Just wanted to give you all a heads up, if you have sent an e-mail to my
AdrianHalpert@shaw.ca acount and I have not replied, I will not get it. I
recently switched from Shaw to MTS so I no longer have access to that acount.
From now on for MVA support group, please use the following e-mail that is
listed on our website: Contact.MVAgroup@gmail.com
Also Wayne, I'm not sure about the interview. I don't have Shaw so i'm still
waiting for them to post it to their facebook page or youtube so that I can link it.
argrif
May 25, 2011 4:38:45 PM
The way that MPI is deciding who gets rebates and for how much is wrong and is
resulting in many Manitobans getting less than they are entitled to or, in some
cases, nothing at all. According to the order from the Public Utilities Board:
"Order 122/10 is hereby varied, such that MPI shall issue a 45% rebate of
2009/10 vehicle premiums in 2011, and by no later than May 31, 2011, upon
production to the Board of its audited 2010/11 financial statements."
There is nothing in there about renewal dates, which are just based on the
insured's birthdate. MPI made up the business about renewal dates on their
own. Unfortunately, it doesn't seem that there is anyone who we can complain
to, we're just completely at MPI's mercy.
WAYNE
May 23, 2011 5:44:27 PM
did you see it? They aired the first two stories, poverty and taxes, but I
didn't see the MPI bit.
Adrian Halpert
May 22, 2011 2:25:42 PM
If you have Shaw TV, tune in to channel 9 today (sunday). Every 2 hours,
Winnipeg Direct will be airing which features a segment on MPIC in terms of
Public Insurance versus Private Insurance.
wayne
May 17, 2011 3:49:16 PM
@terryt.....I would encourage you to hit the Motor Vehicle Accident Support Group link on this
site. The ball has been rolling for a few months. Send Adrian an email and add
your voice and opinion.
Carlyn
May 16, 2011 10:01:55 PM
These rebates are another example of MPI's failure to properly administer
automobile insurance. When the PUB ordered the rebate, they didn't say give
this person 5%, that person 45% based on the time of year that they renew their
policy. Nor did they say that policyholders who registered a new vehicle during
that fiscal year should be exempted from or receive less of a rebate. The
intent of the order was to provide a fair proportionate rebate to ALL
policyholders.
Rebates calculated based on MPI's fiscal year must be calculated based on the
full amount clients paid during the entire fiscal year, regardless of the
policy renewal date. If there were numerous vehicles registered by one person,
they should receive the fair proportionate rebate for the dates each policy was
in force.
Once again, many are suffering because of illogical, unfair reasoning. When we
renew our policies late in their fiscal year, we still pay for a full year's
coverage. We should also get a full year's rebate.
terryt
May 16, 2011 5:36:42 PM
I am really fed up with MPI - Although I have had at least 1 bike registered
continually each and every month for the past 8 years, MPI has refused to give
me the rebate for 09-10 on my bike. Can I take them to small claims court for
the 45% of the basic premium that I paid during 09 - 10 that wasn't paid to
me ?
Their auto rates are supposedly not bad, but they REALLY rape you if you drive
a bike. Across the border, you can insure a Harley for around 400 a year - the
same coverage here is 1700 to 2500 depending on how new your bike is.
I have read that the NDP (who created the MPI abortion), slipped in a bill a
while ago that states that the only way to get rid of MPI is with a referendum.
So my question now is - How do we get a referendum going to either get rid of
MPI, or make it so that you can go to a private insurer if you want to ? If
someone else would like to do this, please let's get the ball rolling - I've
had enough -
Against MPI
May 16, 2011 12:01:54 PM
Sorry, I made a typo in my previous post. I got into a not at fault accident
in Sept 2009. MPI wrote my car off in October 2009. From Oct 2009 to Dec 2010
I did not have a car. I did; however, have insurance for over 10 years and was
never at fault for any of the accidents I was in. All the drivers who were at
fault in my accidents probably got a bigger refund than I did. How MPI has
handled this rebate decision is another example of corrupt business.
christa
May 16, 2011 10:24:53 AM
I am so frustrated.I have been paying over 1400.00 per year for insurance during
2009 -20010.I was expecting at least $400.00 back.I got a cheque for $188.00.I
called my agent the couldn't answer my question on how they came up with that
calculation.In turn they sent me to the mpi contact centre the explanation they
gave me made no sense.I just wanted to understand how the amts were calculated.I
left the call so confused.Note I did not have any changes etc in my insurance
policy etc i never bought a new car or anything and still only got $188.00 back.
$5 rebate?
May 12, 2011 8:24:28 PM
So I get my rebate cheque in the mail today, expecting $500 or so. I open it up and it's only $5.
Must be a mistake I'm thinking. So I call and I'm informed that regardless of the fact that I've had
autopac payments withdrawn from my account for the last13 years without missing a payment,
apparently during the 2009/2010 insurance year (march 1st annually) I only had a vehicle insured
for 24 days. See I traded in the vehicle which a policy started febuary 10th on march 4th.
Cancelled it and opened a new policy on a new vehicle. Well apparently that policy falls under the
2010/2011 insurance year so I get no rebate even though I paid the entire year. I told the mpi rep
who I dealt with I'm getting screwed, he says I'm sorry it feels that way. I want the rebate I'm
entitled to. I paid for insurance just like everybody else getting THEIR money back... I want MINE
back too...
Adrian Halpert
May 12, 2011 7:21:52 PM
Hello everyone,
We are looking at having a support group meeting on Saturday 21 May at 3PM. I
know this is the long weekend so if too many people are out of town we will move
it if need be, but I am hoping to still have a good turnout so I need returns of
people who can or can't come as soon as possible.
An e-mail has already been sent out to those who are on our contact list. If
anyone is new and needs more information or directions please feel free to
contact us using the Motor Vehicle Accident Support Group website linked at the
top of this page.
Thank you.
Sam
May 12, 2011 1:56:09 PM
I received my rebate yesterday and I only got $29!!!! I called autopac but could
not give me a reasonable and appropriate expalanation. I renewed my vehicle
policy on Feb 7, 2010 and later the next month I decided to trade my vehicle and
got a new car that I started a new policy on. I cancelled the old policy and got
a new policy on the same day that I got the my new car because I wanted to have
brand new plates on my brand new car.. but because my new policy on my new
vehicle was past the cut off date of Feb.28/2010 that I only got the $29
dollars???? its very unfair!!!! I've been paying for so many years and never
missed a single payment on my autopac. I cant help thinking that I've been
robbed with my rights.... everybody is getting few hunders of $$$$ and im not???
wtf!!
Against MPI
May 12, 2011 12:07:49 PM
MPI was forced to give back $$ coincidently right after the car thieve story
broke on CTV. The auditors all of a sudden found MPI had a suplus of money
(approx. $400 million) in their bodily injury reserve fund. Instead of taking
that money and going back and re assessing all the screwed over BI claimants,
they decided they would give everyone a 45% rebate instead but only for a
certain 1 year time frame. My 1st comment is why did MPI not take that $$ and
actually pay people for their bodily injury claims? Everyone with a bodily
injury claim can tell you a horror story about how they have been treated.
Lots of people are financially ruinded now because of their bodily injuries.
My 2nd comment, how did MPI come up with that specific 1 year time frame? I
too was in a MVA in Sept 2009. My car was written off in Oct. 2010. I rec'd
approx $125. because of the time frame regardless of the fact that I had car
insurance for over 10 years prior. My 3rd comment, how can they can get away
with making stupid business decisions with our $$? The premiums we pay is to
ensure that our vehicles and our bodies are insured but yet when a person makes
a vehicle damage claim or BI claim, MPI treats us all badly. My 4th comment is
that no matter what kind of claim a person has, MPI goes out of their way to be
difficult to deal with. Is this how an insurance company is suppose to act
like? If MPI were a private insurance company, they would be bankrupt because
no one would buy insurance from them. My 5th comment, why are Manitobans not
fighting back more? When the car theive story broke, Manitobans were upset but
as soon as Manitobans heard they were getting rebates, the story died. People
were more or less paid off if you look at the timing of the stories. If MPI
can collect $$ and hide it, that makes them corrupt. Employees of MPI should
be made accountable for all their bad business decisions and their
unprofessional actions. My 5th comment is that we need to continue to fight
MPI and their corrupt ways because even this 45% rebate was just another one of
their cover ups. All Manitobans need to start fighting back otherwise MPI will
continue to lie and deny !
Judy
May 12, 2011 11:16:56 AM
We received our rebate cheque, and it should have been for a lot more than what
we got. MPI says it is approximately 45% and our cheque was by far short of
that. What a bunch of crooks!!!!
tommy
May 12, 2011 11:10:32 AM
i received a mpi rebate check which is only $58.b/c my renewing day is
13/2/2010 and my car was hit and run.the car was written off on march27, 2010,
i bought another car right after and cancel the old police,started new one. b/c
new police registed outside the time frame (28/2/2009-1/3/2010), so mpi only
gave me 43 day' rebate.that is very infair.i have been paying $1400 to mpi more
than 10 yrs.just because of hit and run,i have to be punish again.is there
anyplace i can file complain?
Wayne
May 11, 2011 3:21:56 PM
Okay, just got my MPI rebate, of supposedly 45%. I was expecting over $500 as
I pay $1164 for a year, in the monthly payments. So my cheque was for
$386....which tells me that the actual cost of my insurance is roughly $800,
where did the other $350 go? No acountability at all.
Adrian Halpert
May 9, 2011 10:24:24 PM
Farren's story has been added to the MVA Support Group website and can now be
found at the following link:
Paying customer ITJ: Sorry to read about your story. All of us who have had
claims with MPI believes your story as we all are aware that MPI is an
extremely corrupt insurance company doing whatever they want. I suggest you
contact the MVAS Group. It is a group of people who meet and share stories and
provide support to those who don't know what to do with their claim or need
emotional support. MPI bullies their claimants and they lie so you can't trust
anything any of them. The MVAS Group has a website and are in contact with the
media and members of parliment. MPI will be forced to change their ways of
doing business at some point only if Manitobans fight back. If we don't, MPI
will continue to treat people like the way they are treating you
(unfairly)...... Most of us in the group have lots of experience dealing with
MPI. We are very aware of their corrupt ways. CTV and CBC have been involved
with our group also. They have done interviews with us that have actually been
aired. Our group is committed to bring change to this very corrupt system.
MPI does not care about you or anyone else for that matter. Bottom line: All
MPI cares about is making millions and millions of dollars in profits annually
at our expense.
Paying customer ITJ
May 5, 2011 10:51:15 PM
Car was taken to MPI certified facility after a mole infestation.Interior was
toxic and told not to let myself or 3 year old in the car and told situation was
very serious and to make a claim).They did a butcher job replacing the
interior(headliner hanging down two inches ,scratches and scuff marks all over
car, battery dead from leaving interior lights on,ignition not working properly
and cowling missing screws, stereo bass and sub-woofer left cranked on full,
broken seat latch, missing pieces etc) When I complained,all seven employees
fabricated a story that I had turned into a complete nutjob and flipped out and
swore at them and they were unable to deal with me. Their boss believed them and
informed my adjuster, who sided with them because "why would seven people all
lie about the same thing". Adjuster's supervisor also believed them because of
the same reason. I gave up professing the story was fabricated and that they had
all libeled, and slandered me. MPIC also said they couldn't care less what their
certified facility said about me. Was told I had no choice but to let them have
a second chance at fixing the issues (was later told I did have a choice by a
Quality Control Manager). The manager of the two MPIC people who by this time
were literally treating me like a piece of dirt was actually forced to have a
meeting with me by the Quality Control Officer after avoiding me for a week. I
decided to fix all the issues myself so I wouldn't have to deal with the butcher
shop again and phoned the owner of the facility to tell her I was closing the
claim and fixing everything myself and that I wouldn't be dealing with their
shop anymore. She then said that her employees had all come forward and
confessed that they had fabricated the story of me flipping out and swearing at
all of them. Informed MPIC people who had stood behing the lies about me and
believe it or not was then treated even worse by them because they now knew that
they had stood behind the libelous, slanderous, story. Two days later the whole
airbag/steering wheel/electronic control system self destructed from being
re-installed wrong.The supervisor looked like she was going to have a nervous
breakdown in front of me during one meeting. Things have got so bad that the
Ombudsman is next to get involved and I will be starting a lawsuit. The behavior
of these MPIC employees and their certified shop is criminal (also caught my
adjuster lying to me which was admitted by a Quality Control Manager) I've been
libeled, slandered, lied to, bullied, intimidated and they all act like they are
above the law. These are the most unprofessional,deceitful people I've ever
encountered and behaving this way while being paid by us the public. This is
just a small part of what has actually transpired. This case looked like it
could be fraudulent to them because I coincidentally had lowered my deductible a
couple weeks before I filed the claim and this was the first thing I was told by
my adjuster. They made a judgement call on me and when they couldn't go with
that, I was treated like scum and has continued to get worse. I don't care if I
go broke and have a nervous breakdown over this, they are going to be held
accountable. They are very aware that even if I win the lawsuit, my lawyer fees
will be probably be way more than the settlement, and this is what they thrive
on, hoping people in my situation will finally give up fighting them and go
away. Good luck with that MPIC and your accredited repair facility. Anyone else
out there have a similar case? The Office of Fair Practices couldn't have cared
less about my story but everyone else who's heard it has fallen off their chair.
Is there any doubt that this corporation is in bed with the government? If
anyone knows of any news/media people that would be interested in hearing the
whole story in full detail, please blog the information. We need private
insurance companies, not the government.
Carlyn
May 5, 2011 6:59:07 PM
Sorry to hear that, Jean. Coincidentally, I had my car safetied a couple months
before it was written off. I don't think it made much of a difference in the
final valuation. I still had to fight hard to get close to the actual vehicle
value. I cant say it enough - do the research. KNOW what your vehicle is
worth, and have the stats to prove it. Repair receipts, comparable listings,
etc.
Loss of use coverage is a waste of money, another cash grab for MPI. Save the $
you'd spend on this premium. Most reputable body shops will provide a loaner
car, and MPI loss of use coverage only kicks in under specific circumstances,
for very limited time periods.
Another way to save money: pay premiums annually, or quarterly if thats not
possible. You pay a service fee on each payment, which is another cash grab for
them. $48 per year for monthly payments last time I checked.
Jean
May 5, 2011 3:44:55 PM
I just got off the phone with an adjuster regarding my car which has $9,100.00
damage caused by a driver who rearended us going at 60-80kms. at a cross walk.
We were the barrier for the person who now would be dead or totally injured.
All I want is my car to be fixed and not the loss quote that I am given. I
cannot get a rental car, because the adjuster said on Monday that he was
finished looking over the damage so we drove off, him knowing very well that
the front seats were broken from the impact. I have been paying for the loss
of use since it started and I cannot benefit from it now. They have lied and
cheated customers regarding this and the whole MPI system shouold be put under
a very close microscope because they are not working for the innocent people,
who have been hurt, have a perfect driving record or whose cars have been
stolen. The guy who hit us will be paying $200.00 to repair his car and I am
out a car. I am definitly cancelling the loss of use after all this is
finished. That's just another way to get our money. The adjuster also said we
could get more money if we had a provincial inspection done every year. I told
him that our car is and has been serviced every 6 months and I consider that an
inspection. How many of you get and inspection done with your maintenance
package. I told him nobody in his RIGHT MIND would do it, to which he answered
that he does. That says it all. I even checked with my service agent who is
CAA approved and they said they have never heard of an idiot commemt like that.
Carlyn
May 2, 2011 6:44:51 AM
@Sam:
I was able to get more than MPI adjuster said was the maximum they could offer
for my write-off by doing the research and standing my ground. Search for
comparable listings online, make a spreadsheet, and submit your bottom line.
They made it sound like I'd have to go to arbitration, but I was able to settle
before getting to that point, by doing the research and being reasonable in my
expectations. Last year, they accepted comparable listings from Manitoba and
Saskatchewan, not Ontario or Alberta.
oxy_u
April 30, 2011 12:53:04 PM
Sam
Have a look at Doug's submission Jul 23, 2007. MPI does evaluations depending
on how it affects them, and does them with a straight face. I would recommend
you do some of your own research to place a value on your car. If you have
receipts proving you've recently spent money on the car, then use those to
increase value. They may not give you all that you want, but with some
research on your own, I know you can get them to up their undervaluation, as
soon as you show them you are prepared to work.
sam
April 29, 2011 4:29:36 PM
Since when is autopac determining value of vehicles by looking on Kijiji for
the lowest similar vehicle(not equal just similar)?
They are telling me that I would only get the value set by a backyard mechanic
not by a dealer that has to be licenced to sell vehicles.
Against MPI
April 27, 2011 3:05:40 PM
First of all, the one's defending MPI are the ones that are not educated. Most
Manitobans hurt or involved in an MVA just want to be treated fairly. Most
people are not looking to make money off an accident. What MPI does to
claimants is unfair. In the old system, people scammed MPI so the gov't
introduced No Fault and gave MPI the power to do whatever the heck the want.
They do not operate as True No Fault. There is no private insurance company
with No Fault insurance getting away with all the corrupt business decisions
MPI gets away with. I am not uneducated or dumb so to the ones that want to
challenge me, you won't win. I feel sorry for all the people who are
legitimately hurt (like Steven) and need help but won't get it because MPI is
too busy fighting them on their injuries instead of helping them get well and
back to work if that is possible. MPI should pay for their medical expenses and
living expenses as soon as possible because people go bankrupt because of car
accidents. MPI will drag their feet, write a million letters and bog you down
in paperwork plus send you to a ton of their own "hired gun" doctors for 3rd
party reports before they will ever pay an injured person's claim. Steven my
advice to you is to not trust your case manager as they are skilled in what
they do. They give you a false sense of security. In 10 years, I have had 5
not at fault MVA's. None of them were my fault. I have permanent soft tissue
injuries and dealing with MPI has been extremely frustrating. You should join
the MVAS Group. The group can be your support system if you need one. The
group is a place where injured people can get the emotional support they need
to keep fighting MPI plus most members have claims with MPI so they can give
you pointers to help you. MPI is a well oiled corrupt gov't money making
machine so don't be disallusioned by them pretending that they care about you.
For those that support MPI's corrupt ways, shame on you !
Wayne
April 26, 2011 9:09:01 PM
Hey Steve, you should get together with our group. It is a group of people in
situations much like yourself. The compensation that MPI offers is not only
sad, it can be life altering, as you mention.
You can click our link above for the "motor vehicle accident support group",
or email me at waynefranklin@mts.net Hopefully if we all stand together we
can be heard.
Adrian Halpert
April 25, 2011 11:43:37 AM
Hello Steven,
My best advice would be to not rely on your case manager to get you everything
you're entitled to. I know you said you believe you got a good one, I am in the
same boat in that my case managers have always been nice but that is only in
terms of manners. Had it not been for me doing the research and leg-work myself
and fighting for my entitlements when something is denied, the only thing that
having a good case manager would help me with is that they would be nice while
telling me that my claim is denied. The system is designed to assume that you
are faking and deny wherever possible, not to help you get everything you are
entitled to and help you out.
Everything that is related to the accident has a place in the legislation and
only be going out and reading the MPIC act and PIPP legislation yourself can you
be 100% sure that you at least try to get everything that is a result of the
accident covered. If you had a concusion, they should compensate you. If you
have cognitive issues, they should compensate you. If you lost a semester of
school due to the injury, they should compensate you. These are all things that
you will come across in your reading and only then can you easily approach them
and say "Hey, I read that section XX of the legislation says that you're
supposed to compensate me for this, how come i'm not getting this?". At that
point if they deny you for something it's much easier for the people on here to
try to help out with something specific using their experiences.
As far as how long the treatment continues. All I can say is, take it as long as
you can get it. MPI authorizes treatments based on the norm of how long it takes
to heal from a specific injury. That means that in some cases they will offer
more sessions then what is needed, but in most cases they will cut treatment
short if they believe that is the norm. Your focus should be on attending every
appointment and making use of every session if it will make you better.
steven
April 23, 2011 7:07:43 PM
Hai,
I got into a MVA accident, its been 5 months now,and my Right hand tendons were completely cut, also i
got head injury, i got totally 3 times surgeries, plastic surgery to fix my tendons and skin graph in my
hand.also had a head injury Cerebral concussion,after my accident i'm in trauma, also loss of short term
memories,I cant remember simple things which happened 2 mins ago,Now i am undergoing treatment,also
I am right handed, so now i cant do any any activity. By the time of accident i was in my school, i lost my
school now and also my part time job. Now i am going to my occupational therapy and physio follow up.All
they paid me was 12K for my entire injury. I am very much worriede, because I lost my skilled hand and i
have issues with my memory, My future is at huge risk. How long these foliow up and treatments will
continue? They are pretty much slow. Lucky i got a very good case manager but i don't trust the MPI
system. please suggest and write ur advice and comments.thanks
Carlyn
April 22, 2011 5:14:57 PM
Re: MPI's move to provide multi-year stickers/licenses, when they aren't
technically valid beyond a year unless additional payment has been made. Seems
to me that it will cause more headaches in terms of not knowing whether
drivers/vehicles are legitimately licensed. How do we protect ourselves when
borrowing/renting vehicles if it's not obvious whether the driver or vehicle is
current on payments? Please explain, MPI.
Adrian Halpert
April 21, 2011 4:37:56 PM
So sick of hearing the shareholder argument. If we had private insurance, yes
the profits would go to the shareholders, BUT THEY WOULD NOT BE ABLE TO
OVERCHARGE YOU FOR YEARS to see profits that are equal to MPI's reserves because
competition regulates price. They also wouldn't be able to give you so little
compensation because they are selling a product after all and you could move to
another company to get a better product. Basically put at the end of the day if
you are not happy with the product you are receiving for the price you are
getting you would be able to shop around and go somewhere else.
The problem is that people are comparing MPI to a private insurance company.
When doing this one group is highlighting the faults while the other is
highlighting the benefits. At the end of the day some people will say that it is
equal to a private insurance company while many of us who have actually been in
an accident will tell you that it is much much worse. But the problem with this
comparison is that MPI is not a private insurance company, it is a monopoly and
we don't have a choice. If you were comparing two private insurance companies
then expecting them to both be mediocre or average makes sense. But if we're
going to be subjected to a monopoly and not have a choice, then we should be
provided with a service that is immensely superior to the alternative, and not
have so many issues and complaints when dealing with our insurance company. We
simply do not have the option to take our business elsewhere, so it is their job
to make sure that we don't want to be being the best bang for our buck, and they
are nowhere near that.
ken
April 21, 2011 4:26:02 PM
Dear Lana,
Just to inform you, when MPI holds both parties at fault, aka. 50/50, both
parties only pay 50% of their own deductible. You figure that they holding a
50/50 so they can make more money? That could not be more wrong. If one
person X has a 500 deductible and person Z has a 200, and they find the per X
at fault, that person pays 500. Now if it is a 50/50, person X pays $250 while
person Z pays $100 for a total of $350. Or if both have the same deductible,
the amount which is collected does not increase.
j
April 21, 2011 4:15:08 PM
After reading much of this blog most of these comments are very uneducated.
You feel that because you slip on ice you shouldn't be held responsible? First
of all, for that to change you would need to change the Highway Traffic Act,
second of all, are you out of your mind? YOU were driving, not the road, not
the highway, that's like blaming a tree for being in your way. You may have
been driving slower than the speed limit but obviously it was still too fast
for the road conditions. Plus, no one forced you to get on the road besides
yourself. Did you ever consider buying winter tires? And i'm sorry, hitting
the ditch, a stone hitting your windshield and a tow truck damaging your car,
is not one incident. There is clearly a break between the occurences, these
three things did not happen all at the same time! In fact, one of them is a
single vehicle collision (hit the ditch), the windshield is a comprehensive
claim and the tow truck is a subrogation claim. And for those of you
complaining about the rebates, I hope we get private insurance so you can see
that it's not going to be cheaper and guess what happens when they have excess
funds, do you really think they'll give it back to us? No, it will be going to
their very happy shareholders.
Wayne
April 21, 2011 12:18:05 PM
Out of curiosity, has anyone moved out of province, and had to move back
because MPI cut their benefits? I certainly don't want to be trapped in this
system for the rest of my life.
Lanna
April 19, 2011 11:09:01 PM
scroll down to March 25, 2011 @ 9:40 Did anyone read that. There is a correlation between no-fault
and accident/death rates. Is nobody outraged that our safety has been sold. The government thinks MB
citizens are worthless. Accident rates increase.
The problem as I see it is that the people who would, in other provinces, be taking the bus are
encouraged and subsidized by the rest of us, to find some beater and run it in to the ground (or a
pedestrian). There are no mandatory annual safety checks on older vehicles. If we are going to live in a
nanny province then the chief nanny better make sure that all the children follow the rules. Some
mature responsible drivers exist but many of the drivers out there are not qualified to have a license nor
be in charge of a potential deadly weapon. I drive very little yet I see LOTS of people flaunting basic
safety rules...common sense, in fact. I see so much duct tape and plastic it is shocking. Don't these
people have the money to repair their vehicles? I still see many people talking on cellphones. Last week
I saw a family piled into the cab of a truck with one of the children (about 4 yrs) sitting on the lap of the
passenger leaning his little hands on the dash. No car seats to be found. I see lots of unrestrained
children. Babies held on the lap. I see people without seat-belts. Nobody cares because there is no
requirement that people be accountable for the choices they make.
I don't particularly care for motorcycles. I feel they are dangerous, not necessarily because of the driver
of the motorcycle but because of the huge number of generally oblivious drivers in MB. There are some
idiots who race on the crotch-rocket type of motorcycle but they are typically young males. These guys
can race their way to a Darwin Award for all I care, as long as they don't hurt anyone else.
Death is cheap for MPI. MPI cares not whether you die. It might actually be preferred? The dread of MPI
is injury. It costs. They've figured out how much and lo and behold they, by their own admission,
simply 'reduced' what their cost is. Just stop paying PIPP claims, no problem. Watch that surplus grow.
The surplus, doled out to the herd, on the doorstep of an election. All the herd will be happy that they
have 'such a great system'. The herd will continue to support the misdeeds of MPI if it means they get a
few dollars refunded every few years. The herd will have a HUGE wake-up call if they happen to suffer
an injury that is severe or permanent. Sadly, the true cost is paid by those people who suffered injury
and are left to fend for themselves. Anyone who believes MPI is great, or that no-fault is wonderful,
simply hasn't experienced anything beyond a collision requiring some paint repair.
Adrian Halpert
April 19, 2011 8:37:01 PM
Also to follow up on that. Manitoban's on average pay more for insurance and get
MUCH less in terms of compensation or death benefits. There is absolutely no
correlation between how many people are injured or die, and how much you pay for
insurance. If you want proof of that just look at the recent 45% rebate. The
rebate only proves that MPI has been overcharging the public for over a decade.
Even after squandering money that wasn't theirs to spend on building projects
and "charitable" donations, they still had to get their hand slapped for padding
their reserve. In the meantime, they have constantly denied claims and acted
against the best interest of claimants to the point that it took the recent
media attention for them to finally act a little more ethically and for many of
us to see progress with our claims. We have been both overcharged, and had our
claims for compensation denied, show me the correlation that shows that us
paying more means we should get less. What's best is even with the recent news
revelation, you will not see your insurance drastically drop next year, you will
still be overcharged.
As far as motorcycle drivers go, I drive a car not a bike, but you don't have to
work in statistics to know that there are far fewer motorcycle related injuries
and deaths then there are car related injuries and deaths. It's simple math, if
there are 50 cars on the road for every motorcycle, then a much larger
percentage of accidents will belong to cars, regardless of driving habits of
either cohort. As such, it makes no sense to assume that high motorcycle
insurance is based on having to pay out more injury and death claims in a given
year.
As far as reckless driving goes. You're free to make assumptions based on
anecdotal evidence of the few motorcycles you've seen on the road but to do so
would again be pretty idiotic. Of the motorcycle drivers I've seen, the majority
have driven very safely, in fact much-more-so then car drivers. On the other
hand I've seen an overwhelmingly large number of reckless pickup truck drivers.
By that logic, pickup truck drivers should be the ones paying $3000 a year to
insure their vehicles because they all drive recklessley.
We could pretend we all live under a rock and ignore the facts. Or we could
actually look at numbers and consider the fact that our motorcycle drivers in
Manitoba pay unheard of prices to insure their bikes, to the point that many of
them have retired their bikes, yet they drive no less safe then riders in the
next province over, or the province after that.
Like I said, get to know the facts if you want to have an intelligent
conversation. If all you're interested in is being an internet troll who bashes
on something that you don't understand, than by all means... proceed.
Adrian Halpert
April 19, 2011 8:18:15 PM
Trevor,
You may want to actually get to know your facts before you make yourself look
like a bigger fool lol...
Trevor
April 19, 2011 5:16:05 PM
If your complaining about motorcyle insurance blame the drivers who drive
recklessly and end up killing themselves. MPI bases your premium on the amount
of pay out to injuries and death....and its high.
Against MPI
April 19, 2011 2:57:40 PM
To Jon:
Unfortunately, MPI assesses claims any way they want which is usually not in
the favor of the claimant (you). Yes, it is one incident (icy road/slip into
ditch) but MPI sees it as multiple incidents and is a way for them to to apply
deductibles so they reduce their payouts. If that was not bad enough, you lose
merit points also. If you slid in the ditch due to icy road conditions I
thought a person was not penalized. If I were you, I would fight them to the
bitter end. Most people don't fight back. I know lots of people who fought
back and got their claims modified but it took a lot of effort because MPI is
extremely stubborn and very corrupt. If MPI has an opportunity to take money
from you they will. Manitoban's think MPI is protecting them but actually MPI
does not operate as an upfront and honest insurance company. They do not
operate as a true no fault insurance company. Most (if not all) people realize
this as soon as they have a claim. MPI will not go out of their way to help
you so you better fight back. MPI is one of the most corrupt insurance
companies in Canada. Good luck !
kyle
April 19, 2011 12:10:52 PM
I don't understand how public insurance has lasted as long as it has. I doubt
that anyone has ever complained that we now have a choice of phone companies.
I also doubt that anyone is paying more now for their phone services. If we
are going to allow MPI to control all the car insurance then why not do the
same for grocery stores and gas stations...
Jon
April 14, 2011 11:44:16 AM
Hi I am just curious if anyone here would know if what MPI told us about my
accident. I was driving home from work, it was very icy and slushy and i was
going not even 75 on the highway. I slipped into the ditch, from the tire
catching in the snow and slush on the edge of the road. I have damage to my
front and sides from the ice, and then when i left the van to get a ride home
when i got back with friends to help pull it out i saw the back window
smashed(probably from the passing snowplow, but no proof) and then when we
couldn't pull it out, too much ice then the tow truck when he pulled it out bent
the hidden hitch. Now with all this MPI is saying it is 3 separate claims and
that I have to pay the deductible 3 times, 1 for the front and side damage, 1
for the back window and 1 for the hidden hitch damage! I was floored! It was all
the same accident! I am even getting 5 points deduction on my insurance when i
wasn't even speeding! If anyone can help me out please do... None of this was
really my fault, isn't there any kind of exception for bad weather, or liablity
for the snow plow?? Please help
JR from St. Malo
April 13, 2011 4:49:46 PM
Word is out that MPI's new injury computer program sucks and a number of
injured parties have not been paid their bi-weekly checks. MPI has cut back
workers at their Claim Centres - when they opened 2 new ones, they just
transferred staff in from smaller Centres - no staff added which has caused big
problems at the smaller Centres. These two women running MPI are putting MPI
in the ditch...better yet in the Red River. There is no trust anymore between
management and staff and stress sick leave is now taking off big time. Time
for and enquiry into MPI practices - especially after the $300M pay back for
money hidden by MPI and these women!
justiceman
April 13, 2011 5:02:55 AM
I missed spelled my email on my forst blogs my apologies as i said any one
willing to come foward to do a class action lawsuit for MPIC Im ready to go
head to head for the no fault insurance claims.
the justice man
justice man
April 13, 2011 4:58:16 AM
are there any one to come willing to do a class action lawsiutagaint MPIC i am
willing to head to head with them all I need is anouther 149 people.
I have no fear i ve been up against giants , and belive me how they rip off
the public in the so callled no fault insurance, is a joke, we need to stand
up to theses companies who take full advantage of us, more latter in upcoming
blogs
only serious client do apply as i am not wasting my time with people who are
scared to face these well i leave that comment to my self If you know what i
mean.
justice man I'am not scared to fight for our rights!!
wayne
April 10, 2011 9:48:01 AM
No-Fault Automobile Insurance in Manitoba - An Overview read the first few
pages of this article and am pretty worried now. This shows you what we are up
against..but here is our only hope
Choice in auto insurance.
If we can convince someone to copy Saskatchewans car insurance, then we have
choice. SK has both at the same cost.
Wayne
no pity here
April 9, 2011 2:13:23 PM
Not likely that you will find any sympathy here Darren F. My family suffers too. Through the misdeed of
a self-absorbed person who chose to speed and attempt to run a red. The financial repercussions have
devastated us. THe injuries suffered by being hit by this inconsiderate jerk have forever changed our
family. MPI does not pay adequately for the losses that occurred. The self-absorbed other driver is
'immune' from any accountability due to the no-fault scheme. Our family is doomed.
If you are intelligent, you will take note of the potential implications of your behaviour and how your
poor choices and belief that the Law and rules of the road simply don't apply to you, might indeed
impact your family forever. Boo Hoo, you might have to take the bus. Chances are someone might have
their life saved because of this. MPI sucks. No question. But I have absolutely no pity or tolerance for
some 'poor' schlep who thinks rules are made for other drivers. Slow freaking down. Leave earlier.
Check twice. You are not adequately insured in this province. Neither is the person who's life you may
destroy. Can you live with yourself? Think on that. What makes YOU so important that you can blaze
around the streets, performing rolling stops and testing the limits of speed zones? Sorry to say but you
are not more important than anyone else. The elderly, children, disabled could all be annihilated by
your callous disregard for the safety of those in our community. Consider this a warning to slow down,
count to five at a stop sign, look twice. Miraculously, no tickets !
Mark
April 9, 2011 10:00:51 AM
Darren F,
I have the perfect solution for you that is 100% guaranteed. DO NOT SPEED! It
is amazing what abiding by the speed limit can do. Also, driving 18 km over
the speed limit is not minor. If you lose your license and then your family
struggles because of it, you have no one to blame but yourself. Maybe you
should think about this when you are driving.
Wayne
April 9, 2011 9:42:39 AM
When I lived in Victoria, I picked up the paper one day and there was my ex
girlfriend on the front page. Apparently, some lady from Alberta was speeding,
and hit my ex's car, killing her little girl. I don't know why some people
think that speeding isn't "reckless" driving or dangerous driving, as speeding
kills.
Personally, I hope they do take your license away, and I wish they did this
with more people.
Darren F
April 8, 2011 10:45:12 PM
They are threatening to suspend my licence for two different 68 in a 50 speed
trap tickets, a fender bender and "rolling right" on a 3-way stop sign doing
2km/hr. Like really? These $%!#* s are driving around town drunk every day
and they want to take MY licence away?!? I drive 10 times as much as some
people (drive around all day for work) and I get caught at what cops have
admitted to me are "fishing" zones to nab tickets galore. It's not as if I'm
ripping through school zones at 90km/hr or reckless driving or drunk driving.
Can they really suspend your licence (and therefore financially ruin my family)
over minor speeding tickets and a stop sign ticket...and over a two year
period??
I am beside myself about this letter I just received. Empty threat or real?
Thx for any input.
Wayne
April 8, 2011 9:42:44 AM
We have to get rid of this no fault insurance. It limits compensation for
permanent impairment, it got rid of compensation for pain and suffering. It has
jacked motorcycle rates through the roof, and it has destroyed any compensation
for soft tissue injuries. No Fault is good for the insurance company, but no
good for the insured.
We have to put all our efforts into bringing back torte insurance. With torte,
the person who caused the accident is held responsible, instead of the victim.
Winnipeg Mc
April 6, 2011 11:58:49 PM
Point well stated Wayne, if things stay the same, first chance I get I'm outta
here. Either they change their way of operating or I'm sure I won't be the only
one to hit the road
Wayne
April 6, 2011 10:31:06 PM
You shouldn't post $5000 for car insurance, MPI might think it's a good idea.
I can't believe they treat people in this province like that, and want people
to stay here.
Sylvie
April 6, 2011 6:40:57 PM
Today I had a quote on my motorcycle with the same details as how I insured my
bike here in Winnipeg..Here: 1,415.00..Ottawa Ontario area: 685.00
People can't say that they pay more in Ontario, that's the proofs.
730.00 more in Winnipeg and I'm suppose to be happy with that ?
Winnipeg Mc
April 6, 2011 6:05:22 PM
As a lot of you may already know, we as motorcycle owners and riders, are
getting the short end of the stick when it comes to our yearly rates.
I did a quick calculation of my own and here is what I saw. I have a
truck...value about 16K....I pay about 1K insurance ...... or 1/16.,,or 6%... of
the value of the truck. I have a bike .... value 3.5K .....I pay about 1.3K
insurance....or 37% of the value of the bike. If I were to pay the same
percentage for my truck I would have to pay $5920 per year Now if I were to pay
the same for my bike as I do for the truck, I would be paying $210 a year
instead. If a car owner is certainly not ready to pay 37% of the value to insure
their cars, what makes MPI thing we are ok with it.
The numbers speak for themself
Winnipeg Mc
April 6, 2011 6:03:28 PM
Here is something that I am sure very few people realize exactly how MPI treats
new arrivals to Manitoba. When I moved here from Quebec, I here in an 8 year old
mini van, under a Quebec license. When I arrived, knowing I was going to be here
several years, I decided to switch all my paper work over to the Manitoba side.
First, when I arrived at the renewal centre (remember that place? That was where
you stood in line for hours, or sat on a chair, wondering if anyone actually
worked there or not.) I presented my Quebec drivers license to the clerk, after
an hour wait, only to be told that they could not switch me over to a Manitoba
license because the Quebec permit had no picture on it. Despite the fact that I
showed them several other forms of ID, like my Quebec health insurance card,
which did have a photo laminated on it by the Quebec Gov, plus a credit card and
the actual deed of the house I had recently bought and moved in to. I figured
they would ask for proof of residence and the deed, having only been signed at
the lawyers office days before, was still in my pocket, while all my other
papers were still in the moving van, somewhere in the over 2 hundred boxes it
took to move my stuff here. They told me that I needed a birth certificate in
order to switch to a Manitoba license. I argued with them that a birth
certificate did not have a picture on it, while my Que health card DID, partly
for the reason that I didn't want to dig around in the boxes in the truck, in
order to find the requested paper. They answered me that it was the only way
they would issue the changes. So...I went home and dug up my "proof of birth"
which is actually a baptism certificate, which I had been using for years back
in Quebec. Now, all this was before 9-11, so I figured that it was good as gold.
No, after another hour in line, they told me I had to contact the Quebec Gov and
request a "real" birth certificate. After running all over town looking for the
forms, I ended up filling out an old form that I had from there, which I had
saved, by chance, when my son was born several years ago. I filled the forms,
sent the 50 bucks or so, and a few weeks later, I was off to the renewal centre
one more time. An hour later, they finally accepted to issue me a license, but
as a new driver, despite the fact I was driving for over 25 years back in Que.
Of course, I was charged new driver rates to insure my truck, which was over 2
hundred dollars more than my last policy, and that was only after I had my truck
certified with a safety inspection, because it too was "new" to the province,
for which I had to put out about another 25 bucks. It was frustrating then and
from what I have been reading about how they pay off claims, nothing has
changed. They still play God and charge you a fortune for that right
Winnipeg Mc
April 6, 2011 6:02:00 PM
Recently I had an accident in our back alley. Fortunately I was not hurt, but
how they treated my report deems mentioning here. While approaching a 90 degree
turn to the right in the alley, I stopped short of the corner because it was, in
my opinion, an implied stop, and caution was needed. While stopped, another car
came around that same corner without stopping and encroached in my lane cutting
the corner sharply. At the last moment they saw that I was there, but it was too
late for them to stop as it was rather icy and they were going far too fast.
They attempted to avoid a collision by cranking their wheel in the opposite
direction, but slid on the ice and made contact with the left side of my front
bumper with their left door, resulting in a small rip in the plastic cover of my
bumper, at the same time scrapping a large portion of the left side of their own
car. Since it was an accident, I reported it to MPI, who started an
investigation in order to determine who was actually at fault. Since my damages
were not that big, I had already decided that I would not fix the bumper, even
though I knew that the repairs for that small rip would cost about 2 thousand
dollars. The result of the investigation was that we were both at fault, even
though I was at a complete stop at the time. They tried to justify it saying
that because it was in the alley, we were supposed to share the road and
therefore we were both at fault. I was quite angry at their decision, but they
were not backing down. Like I mentioned, I had already decided in advance that I
was not going to fix my own damages, but because it was deemed 50/50 the claim
for half of her damages went on my claim, while I claimed nothing for my own.
Imagine my surprise when I found out at renewal that my rates had increased by
almost two hundred dollars per year because of this. So the long and the short
of it was, even though the other driver was blatantly at fault, and also not
having made a claim for, nor repaired my own damages, I was forever forced to
pay more on my insurance because of it all. This is what they called a fair
settlement. Fair for who, I'm still unsure.
Lanna
April 5, 2011 10:40:53 AM
when MPI can get away with assigning fault to both parties they then get to collect 2 deductibles and
also benefit from the increase to 2 premiums (assuming you had a clean record and were receiving a
discount rate). THey once tried this with me years ago. I was in a parking lot at a mall and a VERY
elderly man drove out of his parking spot into the drivers door of my vehicle. They actually tried to say
that it was 50% my fault because I was 'there'. I fought it, happened to have a camera, took many
photos, had witnesses, despite all this they were reluctant to assign 100% to the other driver. His front
bumper was stuck in my drivers door. How on this earth could it possibly be my fault? I had to fight
very hard and go in for an interview with my photos all the time being 'scrutinized' by some
intellectually challenged idiot who must of thought I had a secret feature on my vehicle whereby I could
turn the wheels 90 degrees and drive sideways into the front bumper of another car. As stated, his
bumper was firmly embedded in my drivers door, I had to get out the passenger side. I was incredibly
ridiculous. I did eventually win but it was not without huge effort. This should have been obvious to
anyone. MPI was drooling at the prospect of assigning fault as broadly as possible, it means more
money for them in the long run.
LowBoy
April 5, 2011 12:13:08 AM
While commenting on the recent PUB ruling which will see rebates to Manitoba
drivers who have been overcharged for many years, Dan Guimond,MPI VP Strategy
and Innovation, stated that it would be just too expensive for MPI to seek out
and identify individuals who qualify for rebates, but are no longer current MPI
insurees. Now, I no longer live in Manitoba, but I did reside there from 1990
until 2005, and certainly qualify for that rebate. I intend to write to Mr
Guimond to identify myself so that MPI may send me a rebate, all without going
to any expense to track me down.
I suggest that all readers of this website who know someone who qualifies for
this rebate, but has moved, stopped driving, or whatever, have them write to MPI
so that they may receive their rebate, because MPI will make no effort to find
them.
wildbuckaroo
April 4, 2011 6:53:27 PM
Kat don't be upset with what I say, we are all here because we have a beef with
MPI. Why are you here defending them unless you work for them. Now if you do
thats fine, just read the blogs and keep your opinions to yourself. If you have
something to $%!#* about lets here it otherwise why are you here?
Margo
April 3, 2011 5:51:03 PM
I've just started my MPI claim. I wasn't injured. I was crossing from back
alley to back alley, so I could get to a controlled intersection to go East on
Portage Ave. I triple checked to ensure it was clear. I went across and a car
turned from Portage on to the side road I was crossing and T-boned me on the
right side. He wasn't there when I started across and hit me hard enough I'm
getting the dealership to check my truck for frame damage.
My adjuster is telling me it's going to be judged 100% my fault, even though it
was clear when I started to cross. I had actually started entering the other
alley when he nailed me. He said that the other driver didn't legally have to
stop for me, even though I was almost clear of the road. He said that stopping
for me to finish crossing is purely "courtesy" and he didn't legally have to
stop. He also said that even if there were witnesses (which I've been trying
to find) it would still be my fault. The trouble is, the back alley and
Portage Ave are only approx 3 utility truck lengths away (MTS type trucks).
Any car could have started down the street at any time from me leaving the one
back alley to go across the street.
I'm already planning my appeals. Oh, for the record, I filed a police
report....he did not (to date). They're going to call him in for an interview
and will compare his story to mine.
What do you think my chances are of fighting this? I know I'm 100% NOT at
fault here, and won't even accept 50/50. I MAY possibly take 75/25, but not
sure yet.
WAYNE
April 3, 2011 5:19:23 PM
@KAT...just because your neighbour tells you something, I wouldn't post it as
fact. If my job was to screw people out of their "entitled" benefits, I
wouldn't exactly tell my neighbour the truth about my job either.
kat
April 3, 2011 12:35:33 PM
LOL! hi, Lanna it should say " you already know they don't write down exactly
what you say"
I don't work at MPI & never have. Had a neighbour who did and we got talking
one night about this site. He/she said case managers that said they were
loosing & misplacing their file were just trying to buy time. That's why I
didn't know how they identified you when you called. Just knew a couple of
minor things. Sorry unable help out much more than that.
Lanna
April 3, 2011 11:25:24 AM
kat - can you please clarify the first line of your last post to me.
Troy Thomson
April 3, 2011 2:27:45 AM
This is for Kat, sorry i wasn't here to respond to you earlier,i am a little
dis-heartened that you would accuse me of being angry with mpi, truth is
neither my self nor my wife hold any animostity or "anger" as you put it
towards MPI or their employees, we understand that is not personal and just
business for them. That is what allows us to be able to continue with MPI, as
for not being entitled, that is not for you to say but a matter for the courts
we want to move on with our lives not be stuck in limbo, as for your comment
about reprimands, i did see our last case manager get repimanded and transfered
(for doing the right thing) he sent an internal memo bettween fair practices,
minister swan and him self to our attorney. A memo confirming that MPI altered
medical reports and tried to cover up injuries and we have this memo and have
the reports both copies and we have presented this to the liberal party. We
have grounds to take MPI to court for BAD FAITH and are strongly considering
it. We are not angry just determined.
Wayne
April 2, 2011 10:38:32 PM
@ KAT...obviously you work for MPI (or in the past), and you are upset by what
they do, as you are on here. You should contact us at the MVA Support Group if
you really want to help.
My numbers there if you want to call. remain anonymous if you want, but you
could answer alot of our questions.
kat
April 2, 2011 4:52:25 PM
Lanna, well you already they down put down exactly what you say and it's good
that you have them put it in writting. They can't loose your file or misplace
it cause they can't, it's electronic. So if you call with your name or case #
then they just type it in and, there it is, your case file. They only say they
misplaced it to buy them some more time cause they don't want to deal with you.
BUT the case managers are only doing their job. If you are in an accident you
are covered for xyz care, right. If you think you need more, the case manager
can not go out side the scope of the care that you are entillted to. If they do
and this is found out they are reprimanded. Cause they went out side the scope
& now has set policy because they gave it to you. Now they will have to give it
to everybody. That's why I said in a previous comment for people to loddy and
have the rules changed. There isn't much the case manager can do. I know this
doesn't help much. Just wanted to let people know that case managers can't
loose or misplace files.
Lanna
April 2, 2011 4:13:12 PM
I haven't seen or talked to my case manager since April 2007. I've never found calling to be of any use. I
prefer writing. In the past they would say one thing and then document something entirely different so I
had them put everything in writing to makes things clear (not that they write very clearly). Please explain
the differences in what you are describing. Sounds interesting.
kat
April 2, 2011 2:32:01 PM
Sorry Lanna couple more things. When you call your case manager How are you
identified? Do you call & say "hi, it's Lanna ......" & they get your file or
do you have to give them a case # ? When you do call with your name or # do
they have to call you back or do they have it right away?
Lanna
April 2, 2011 2:16:40 PM
I have seen and read my file many times. They typically send paper copies.
James Rowe
April 2, 2011 2:06:53 PM
Manitoba Public Insurance's attempts to withhold $320 million from ratepayers is reason alone to put an
end to the communist policy of forcing drivers to buy their car insurance from the government.
It's absolutely ridiculous in a free and democratic society that we're still forced to buy automobile
insurance from a politically manipulated, state-owned organization that's run by partisan appointees.
Now we find out MPI has been overcharging us for years and MPI Minister Andrew Swan says we should
be grateful we're getting our money back.
It was our money in the first place. Why should we be grateful we're getting it back? And only after it
was ordered by the Manitoba Public Utilities Board?
I don't buy MPI's spin that it took 17 years of analyzing actuarial data on long-term injury payouts to
figure out they were overcharging Manitoba motorists.
That's nonsense. They've repeatedly shown bad faith over the years on the issue of rebates, refusing to
reimburse drivers who were overcharged until they were forced to by the PUB.
MPI was forced by the PUB in 2005 to give drivers a 10% rebate because they had been overcharging
them.
In 2006 the PUB again forced MPI to return $58 million to drivers because the Crown corporation had
accumulated too much in its reserve. They were ripping off ratepayers and drivers had nowhere else to
go — by law — to buy their insurance.
MPI actually fought that order hard. They said at the time it would be irresponsible to return the money
to ratepayers. They had no intention of reimbursing ratepayers but eventually had to because of the PUB
order.
When 2,000 motorists were overcharged on a technicality in 2004, Manitoba Ombudsman Irene
Hamilton recommended MPI reimburse those drivers. MPI refused for nine months before finally
relenting and agreeing to pay them back.
And don't even get me started on MPI's sustained attacks against Winnipeg MP Steven Fletcher, a
quadriplegic, as they repeatedly tried to cut him off benefits.
So no, Andrew Swan, MPI does not have the best interest of drivers at heart. Their interest is to empire-
build, to squirrel away as much money as they can to give themselves fat raises and to buy a shopping
mall. Remember when they doled out $1.2 million in bonuses to senior brass in 2000? I thought the
"profits" were supposed to stay with ratepayers.
In reality, this communist scheme doesn't work. And overcharging drivers to the tune of $320 million
proves it. Motorists should be allowed to buy their insurance from whatever insurance company they
please.
I think it's called freedom.
Too hot to handle
Apparently the latest Manitoba Public Insurance scandal was too hot to handle for MPI Minister Andrew
Swan. Normally, ministers do scrums with reporters outside their offices on issues like this and field
questions from all media outlets at once.
Increasingly, NDP ministers have been opting to do "one-on-ones" with reporters instead. That's what
Swan's handlers said he would do Thursday.
One-on-ones are far more time-consuming for ministers but they allow the politician to avoid the risky
dynamics of scrums, where media outlets benefit mutually from back-and-forth questions. One-on-
ones are easier to control and they eliminate the optics of having the minister sweating it out on the
evening news in front of a gaggle of inquisitive reporters.
I guess Swan has lots of extra time on his hands if he can do one-on-one interviews instead of getting
it all done at once.
For more, visit Brodbeck's blog Raise a Little $%!#* at winnipegsun.com. Reach Tom by e-mail at
tom.brodbeck@sunmedia.ca. Follow Tom on Twitter@sunmedia.ca.
kat
April 2, 2011 1:58:43 PM
lanna, you're also right about them loosing, misplacing etc.. your file. Have
you ever seen or read your file? what form is it in?
kat
April 2, 2011 1:54:54 PM
Lanna, You're right! you didn't that was someone elses post. Sorry, my mistake.
Lanna
April 2, 2011 1:33:19 PM
Did I say something twice?? At no time did I mention cash.
kat
April 2, 2011 11:32:23 AM
Troy & Lanna. AGAIN! Case managers DO NOT RECEIVE $$$$ BONUSES FOR DENYING
CLAIMS. Troy you want to twist it around saying they get bonuses by proxy,
then whatever. Your anger clouds your judgement. My guess is that they keep
pretening to loose your case file cause you're not entilled under the MPI
policy for those benefits & you don't take no for an answer.I'm not saying that
you should just take no for anwser but don't come on here and write speculation
and pass them off as fact. So, my suggestion is to go to the top & lobby for
change.
thank you & hope you both have a good weekend.
Troy Thomson
April 2, 2011 3:04:44 AM
This for kat, lanna is right, MPI adjusters recieve a bonus for the least
ammount of loss, or reduction in loss, "loss" to an insurance company is paying
out on claims, thereby MPI adjusters receive bonus's by denying claims by
proxy, all insurance companies work this way some are worse than others. MPI
adjusters will deny, stall or drag your case on for years without any good
reason, all the while losing mis-placing or altering reports to thier own
devices, and we can prove this, in the 9 years we have been dealing with them
mpi has given us proof of their "bad faith" actions numerous times and as of
yet NOBODY has been reprimanded or held accountable for their actions
kat
April 1, 2011 10:08:22 PM
I'm sure the case manager is what you say he is but what I said was they do not
receive a bonuses for denying claims. Bonuses I mean $$. thanx.
Lanna
April 1, 2011 9:04:46 PM
Show me the fact kat.
I have no interest in starting a debate but the hard truth, factual truth, is that case managers do break
the law by not abiding by the legislation. The same pathetic little dweeb has been my case manager for
years (hi!) and despite his many "errors" and rule breaking he's been promoted to "Chief Turd of Manure
Island" (no doubt?). Joking aside, the jerk has been climbing the ranks for years. He is a screw-up
from a competence perspective but likely worth his weight in gold to Bodily Injury, RCMC, of MPI.
Otherwise why would they keep him. He saves the corporation money by handling the 'complicated'
cases, you don't think he's rewarded for that? The screw-ups can't be anything but intentional, it is
statistically impossible to "lose", "forget", "misplace", etc. as many times as this guy does. I have not
witnessed ANY form of reprimand or consequence for violation of the MPI Act since 1998. In fact from
what I have witnessed it seems to be rewarded. I have documentation to very strongly support this. I
dare to say you are wrong unless you have some absolute proof to the contrary. What you claim as fact
does not remotely come close to matching my experience.
kat
April 1, 2011 7:07:40 PM
@wildbuckaroo I'm disappointed in you. From your prior posts you seemed to know
something. Are you suggesting MPI employee's get a bonus if they deny a claim?
The fact of the matter is they don't. The reason they can't give you what you
want cause they are bound by the rules they are hired to keep. If they broke
those rules they are reprimanded and that's a fact. So if poeple want someone
to scream at, scream at the policy makers.
Lanna
April 1, 2011 11:55:30 AM
Don't get too excited about the CBC. They've had piles of damning documents against MPI for years.
Wayne
April 1, 2011 10:33:47 AM
CBC just called me here at work and wanted an interview. They should be
interviewing a member of the MVA Support Group right now. So check out CBC
Winnipeg tonight.
Also, thanks to the operators of this site, for posting a link to our group.
My thought that if we all stand as one, and we will be heard, is coming true so
far. If you have been hanging back and waiting to see what happens, now is the
time to come out.
WE CAN MAKE A CHANGE
wildbuckaroo
March 31, 2011 10:26:28 PM
Lana I don't think you would ever find one because they all work on the less
you pay out the more bonus money you get. James is that because the Public util
board took them to court and made them open their books? Thats what I'm
thinking because I never heard for sure.
Lanna
March 31, 2011 10:17:08 PM
It seems suspiciously coincidental that there was some bad press on CTV regarding MPI just before they
"magically" found another $250M. Appease the masses. That and an election...but I think it was damage
control on the PR end. We all know first hand why they have so much left over from bodily injury claims.
They don't freaking pay out on any of them.
The only decent ethical people I've encountered working for MPI are the 985-7000 call centre people. I
have never met a case manager, customer relations type or lawyer from MPI who had an ounce of integrity.
Not saying they don't exist...just that I've never encountered one.
James Rowe
March 31, 2011 7:54:10 PM
Manitoba's Public Utilities Board today ordered Manitoba Public Insurance to return $320 million to car
owners by May 31.
The decision means MPI ratepayers will see a 45 per cent rebate -- up from 10 per cent originally ordered
by the public regulator.
The rebate means if you paid $1,000 on your 2009/10 insurance, you'll see a cheque for $450.
PUB's order comes a day after MPI officials had their knuckles rapped at a special PUB hearing over the
recent revelation an external study found the Crown corporation didn't need $250 million it had socked
away for injury claims.
PUB chairman Graham Lane said MPI should have told the PUB about the money a lot sooner that it did --
news of the extra $250 million was first announced by Attorney General Andrew Swan two weeks ago.
"Effective regulation can only be achieved in an atmosphere of openness and transparency involving, at
least, the regulated entity and its regulator," PUB chairman Lane said in today's decision.
"Failure to achieve that "atmosphere" is not in the public interest, and the Board expects and looks forward
to a changed approach by MPI to its meeting its responsibilities with respect to that "atmosphere". Both
MPI and this Board are mandated to operate in the public interest, and MPI itself was established to work
for the benefit of its insureds, Manitobans."
The full order (44/11) is also on the PUB's website.
MPI said in a release the unprecedented $320-million rebate is the result of the annual actuarial review of
the corporation's claims reserves by Ernst & Young.
The excess retained earnings were accumulated to provide for future costs arising from injured claimants,
as part of the Personal Injury Protection Plan.
MPI says it now has sufficient historical information to better estimate future reserve requirements.
DRM
March 31, 2011 2:52:00 PM
I have had the opportunity to read much of the thread. Im with the Military,
and recently an import to Manitoba, I have to say that Im amazed that MPI is
doing so well, for a non Profit Corporation, as it raked in 250 million dollars
in profit, because their claim payouts in 2010 was at a low, thats obvious,
reading what you all have wrote! Good news, everyone driving in Manitoba will
be getting a rebate, up to $125 dollars, Capped at 70 million dollars. What I
don't understand is how does a Non Profit organization make 250 million dollars
in profit, and why are Manitobans, only getting less then 1/3rd returned? Why
are the residents of Manitoba being forced to pay the most outragous insurance
rates I have ever seen? Why are we not demanding our provincial government
return all the monies made off the residents. Next years rates will not go
down, why out of fear that they may have higher then normal pay outs? People
who steal cars, are being paid $40,000 as a result of an accident which
occurred while they are making their get away? Why are we always so willing to
gripe about what we are paying for insurance in a non competitive market, and
not do anything about it. I liked the charter challenge, but I pray that I
never get in a vehicle accident while I am here, out of fear that I will have
to go through some of the horrific situations which you have all gone through.
$1500 for insurance for a vehicle, $1400 for a motorcycle, which I have to pay
up front, or over a period of the riding season, and I live in Rural Manitoba.
Non Profit, not likely, fair business practice, definitely not, Charter
Violation, yup, I will go with that..
Carlyn
March 31, 2011 6:44:12 AM
Here are some helpful resources re: self-care in recovery from myofascial pain
and restriction:
1) "Pain Free" by Peter Egoscue (several targeted books for different
situations)
2) "Myofascial Stretching - a Guide to Self-Treatment", by Jill Stredonsky and
Brenda Pardy
Both are highly recommended by my massage therapist, who is great at both
treating and sharing self-care/self-treatment advice. :) It's a shame MPI
doesn't cover massage therapy by RMT. Her myofascial release techniques and
advice are amazing.
kat
March 27, 2011 12:29:26 PM
@Brenna. OOPS by bad. I thought the semi hit your truck. Ya, if it just drove
by and a gust of wind blew your door damaging it then your on the hook for the
deductible. The semi isn't resposible cause it didn't do anything, just drove
by.
tom
March 27, 2011 12:21:20 PM
hey Dru, what I meant by a private shop is a shop other than the dealer or BIG
franchise. Like the guy who owns his own shop. Anyway, there is a shop that
does alot of this business but I'm not going to post it. Oh, and also do what
Wildbuckaroo said.
Nice add on Wildbuckaroo.
Wildbuckaroo
March 27, 2011 9:54:36 AM
Dru just take a copy of your claim that MPI has given you or if they haven't
ask them for one and take it to a bodyshop of your choice and ask them if they
can find used parts to get MPI to pay it. Sorry Tom just filling in for you.
Dru
March 26, 2011 11:29:36 PM
Hey Tom...
I never even thought MPI would let me take my car to a private shop.. There was
a shop that already quoted me $185 for all the used parts that I need. I doubt
the labor would cost that much more. Autopac estimated the damages at $3800.
How would I ever go about getting them to let me repair my car at this private
shop?
Just tell them that I have found all the parts myself and that I am going to go
about repairing my car myself?? Would they still write it off? Or would this be
a way to get around the write off?..
Wildbuckaroo
March 26, 2011 1:37:49 PM
Dru I can help email me at wildbuckaroo@wcgwave.ca with all the year make model
and km of your car and what you have put into it in the last year.
Wildbuckaroo
March 26, 2011 1:34:33 PM
To against MPI, that isn't fair. Also what they have done is started the new E-
glass system so now MPI doesn't have to pay someone at their claims center to
ask all the questions and take the claim for them. Now all the glass and
bodyshops have to do all of this for them. The repair shop does all of the
admin work for them and how much extra does MPI pay the shops for doing this,
it is ZIPPO. Now tell me if that is fair? Give the shops more paper work but
lets not pay them a cent more............
Wildbuckaroo
March 26, 2011 1:07:26 PM
That was directed at Brenna.
Wildbuckaroo
March 26, 2011 1:05:50 PM
No you will still have to pay your deductible unless the truck actually hit
your car and put in a claim with MPI admitting that they were at fault. This is
the way it works with MPI, someone always has to pay.
tom
March 26, 2011 12:18:40 PM
@Dru
well you could go to arbitration to possibly get more $ but it would be still a
write off. Or get a copy of your estimate and go around or call to some auto
body shops and see if they can do something for you. They might be able to find
some used parts & they might reduce some of the labour. Try private shops as
the dealers are not interested in these types of jobs. ie: to much research
involved.
Lanna
March 25, 2011 9:40:41 PM
Not sure how many have read this but it is worth reading.
Hey can anyone lend a hand? I have always hated MPI. I mean... we pay so much
in car insurance every year and for WHAT?? Its ridiculous.
So on the highway driving from Wpg to go to Brandon, the snow storm came so
fast! There was no warning, the highways were not closed. Everyone was driving
so slow (40 - 70) on the highway. Two semi's in front of me were in an
accident, one slid into the ditch, and stopped abruptly. I slid into the back
of that trailer damaging my hood, side panel, windshield, headlight.
My taurus might have been a 96, but I always took such good care of it, just
had new struts put in, new thermostat, new taillight.. needless to say, I
always kept my car up in maintenance.
They are trying to write it off and I need to get around it somehow.. if there
is a way. I dont know if I can get a second opinion of some kind or not but
they are estimating $3800 worth of damage! .. idiots.. And my car had a cd
player and alarm system put in which was over $1000.. They are looking online
and finding other cars, that aren't the same as mine but they are looking at
lowest prices to give me for my car.
I need MY car, and eventually I will end up buying it back and fixing it up
myself if the final decision is to write it off and theres no way around it...
But yah, they want to give me $2200 for a car that cost me so much more. I
bought this car practically new for $11,000...
What to do what to do?.. If anyone knows of anyone I can contact that will
help me fight MPI.. Or what my next step should be please let me know.
Thanks guys!
Dru
Against MPI
March 24, 2011 12:28:08 PM
It appears that MPI is forcing approximately 50% of Manitoba's Insurance
brokers to go out of business due to MPI's new 5 year renewal procedure. What
this means is that this new 5 year process will be saving MPI millions and
millions of dollars. MPI will no longer need insurance brokers to service and
sell car insurance. For those that are not familiar with how insurance brokers
run their office, doing Autopac transactions for MPI pays a broker a small
commission. Insurance brokers rely on MPI commissions to run their offices.
Please keep in mind that MPI closed their renewal processing centers a few
years ago and forced insurance brokers to renew licenses and take photographs
for drivers licences without increasing the brokers commission by very much
which means insurance brokers had to hire more staff in order to provide this
extra Autopac service to the public. Now, MPI has the nerve to change how MPI
is handling renewal licencing forcing all these brokers to lay off all the
staff they just hired. If an office loses their Autopac contract with MPI,
they will be forced to go out of business or sell their book of business to
another insurance broker who has Autopac service. MPI is such a big bully in
Manitoba. As a Manitoban, I am ashamed with how ruthless MPI is becoming. CTV
should run a story about this. A large number of people will become unemployed
due to this change. Can Manitobas afford another financial hit by MPI????? How
many millions more a year do they want to make at our expense??????
kat
March 23, 2011 1:03:39 PM
@Brenna
If it is as straight forward as you discribed then you will be covered.
Everyone has comp. coverage. If you got the plate of the truck then you won't
have to pay your deductible.
Against MPI
March 23, 2011 12:38:22 PM
If your car door was damaged should be covered as a comp coverage claim by MPI
subject to your deductible. Check your insurance to make sure you have comp
coverage or contact your broker.
Brenna
March 22, 2011 10:20:22 PM
Hi i recently was on my way home on the hwy and i stopped and pulled over to go
get soething from my trunk when a semi drove by and swung the door open with
wind. it now will not close at all , will i be covered?????
kit
March 21, 2011 5:46:37 PM
@Lanna
MPI pays for the property damages because it was hit by a car. The drivers
doesn't get his car covered and MPI will sue him/her for the damage to the
building to recoup the cost.
Lanna
March 19, 2011 9:08:28 PM
I am curious about who pays to fix the DQ that the drunk drove into? Would that be the DQ owner
claiming on his property insurance or would MPI pay because it was hit by a vehicle? If it is MPI, then I'm
wondering why our premium dollars are going toward bailing out a drunk? In my opinion, the drunk
should have to pay personally for the property damage. I hope MPI doesn't pay to fix his vehicle too.
Wayne
March 18, 2011 12:41:45 PM
Okay, here's the joke of the day: Taken from the 2011 Guide to Autopac (we all
have one)
- Customer satisfaction surveys show that Manitobans find our claims adjusters
to be helpful, knowledgeable, professional and courteous.
-Our goal is to provide you the best insurance products and the best service,
whenever you need us.
Methinks they surveyed a bunch of chimps.
Against MPI
March 17, 2011 2:48:50 PM
Troy, sorry to hear that your wife is having so many problems with MPI. It
makes me mad to see MPI treating injured people so injustly. The bigger the
group, the more power we will have. MPI fights people one on one. There is no
hope for the little guy against MPI. That is how MPI keeps getting away with
abusing their power. But...hopefully...in time....our group will grow and our
voices as a group will be heard. We paid premiums for insurance coverage. MPI
has no right to refuse coverage that was paid for by us.
Lanna
March 17, 2011 12:27:49 AM
Troy,
Sorry to hear of how you are being treated. Swan is useless. All the NDP are useless. Not that any of the
other persuasions of government have done anything of value to stop the abuse of MPI claimants. Tell MPI
to find the medical report, put it in writing. They have lost parts of my file more than once and surprise,
surprise it was to their advantage to lose it. They'll find it, keep asking. In writing. I keep a copy of
everything. I suggest you do the same. Contact the doctor who wrote the report. They should provide a
copy. If not contact the College of Physicians. Good luck. If you need help, please ask.
xhei
March 17, 2011 12:21:19 AM
Troy, I suggest that you soon get in touch with the Wayne who posts on this blog.
Troy Thomson
March 16, 2011 11:32:57 PM
Just wanted to let eveyone know that we heard back from Minister Swan's office.
We were told that Mpi does not want to and will not ever pay for my wife's
perminant impairments or any other monies (we pointed out to MPI that they
failed to pay over $51,000 in perminant impairments calculated from their ow
charts and rates back in 2007), Mpi also sent a letter to us from one of their
doctors stating that after 8 years they feel that there is no proof that my
wife pain and medical problems are from our 2002 car accident and refered to a
third party doctor of theirs' that said my wife's cronic myofacial pain is now
complicated by cronic pain syndrome as well but MPIs in house doctor rallo
disagreed the third party medical report is now missing. I GUESS WE SHOULD HAVE
JUST STOLEN A CAR, AND CAUSED AN ACCIDENT instead of being the victim of
somebody running thru a stop sign and hitting us sending us into a tree,
Wayne
March 16, 2011 6:27:07 PM
Just so everyone knows, there was another MPI story on CTV tonight. If they
hold true to what they told us, there should be one every night this week. You
will note that the PC's sought to strike down paying car thieves previously,
but the NDP decided it was good for us to keep paying for them. I think I know
how I am going to vote this year.
They include a footnote reference to 'vehicle accident support group', with
phone number.
Sylvie
March 16, 2011 8:27:04 AM
Another good one, for Motorcycle riders, do a search on the rate in other
Provinces, you will see, they are robbing us blind !!! We are paying double or
triple the price if not more. Our biggest problem here is Monopoly.
Lanna
March 15, 2011 7:51:37 PM
Obviously, it would have been better for me to be a car thief. Instead I made the mistake of being a
successful self-employed person who made the tragic error of stopping at a red-light. It's been and
continues to be $%!#* There should be zero money to car thieves or the miscreant passengers in the
vehicles. There are plenty of us who paid, thought we were insured and found out otherwise. Disgusting
to see criminals getting benefits, while getting free room and board in jail and who knows what else. Brian
Smiley says MPI doesn't discriminate...HA. Funny he wouldn't comment on the amount paid to the criminal
when he had NO problem violating MY privacy when interviewed by the Winnipeg Free Press in February
2005.
Wayne
March 15, 2011 7:18:42 PM
according to MPI I am covered for insurance, even if I don't pay into it. car
thieves are, so why am I paying? Cancel the insurance tomorrow, as we're all
covered anyway...thanks MPI.
Wayne
March 15, 2011 12:42:02 PM
Well, just saw the story on CTV. Certainly does paint MPI in a bad light. My
one problem, our phone number wasn't put up with the story. Hopefully it will
be on the internet and they will post it there, otherwise, all was for nothing.
Lots of angry manitobans, but who do they call?
Carlyn
March 15, 2011 7:43:17 AM
I feel for you "against MPI." Been there, done that, with unsatisfactory
results. I'm waiting for AICAC hearing. A long process. I do the best I can to
get better - with or without MPI. Care providers keep telling me I'm doing what
I need to do. So I do it. Even if MPI says that it's not 'necessary'. When you
apply their twisted sense of logic, eating isn't really necessary. It's
certainly advisable, but not necessary. Unless a person wants to survive.
We expect that professionals will meet certain standards of communication,
organization, and honesty. Many MPI bodily injury employees seem to throw those
out the window. I thought that my CM was the most disorganized person I'd ever
met. Why didn't he return my calls? Why couldn't he find important documents?
Maybe because he was 'new'? (He was not new to MPI, just new to me.) I cut him
a lot of slack, because that's who I am.
I was bounced back and forth between IRO and CM because I complained about CM
making decisions without making the effort to determine the facts, and IR would
not deal with new medical info I had presented. IR hearing was postponed
several times. When it went ahead, it seemed that the outcome was pre-
determined between the IRO and my CM. Not right, but that's the way it
appeared.
My CM said that they had HCS review the information, and that the decision came
back the same. I asked if I would get a copy of the 'new' review from HCS, and
was told that there was no point in my CM issuing a new decision letter on the
same issue. I already had an IR hearing scheduled, it was time to go ahead. THE
IR OFFICER WOULD BE ISSUING THE DECISION, not my CM. Those words caught my
attention. I didn't realize they predicted the outcome. We discussed a lot in
the hearing, not all of which I felt was relevant. The letter from IRO was
devastating. IRO had done exactly what my CM and the HCS staff did. Selectively
heard and saw what was needed in order to deny the claim, with no regard for
the actual facts and needs of the claimant. Ignored relevant facts.
I 100% agree. The system has to change. But how do you tweak something that's
so fundamentally broken with success?
Lanna
March 14, 2011 9:43:03 PM
Dear Against MPI,
Please don't take the bait. Your impression that there is no communication between case managers,
supervisors and internal review is very likely not accurate. I have documentation that acknowledges it
does exist. Thing is, to my recollection, Internal Review is supposed to be separate and independent
from case management input. The whole "Who's on First" routine is very likely intended to frustrate you.
And... Success, no? They've been practicing for years.
Internal Review is a joke and I wouldn't personally bother with any effort in that regard beyond filling
out the AFROICD form required and leaving it up to them. The whole department is a farce. MPI will
decide whatever is in their best interest, the only unbiased appeal process worth effort exists once
things proceed to the AICAC level.
You are absolutely right that you are not their employee. Over the years they have requested some
pretty stupid things from me and I've told them to figure it out on their own. They'll amazingly,
suddenly find what they've lost or solve whatever problem (supposedly?) existed, all without your help.
They are only telling you to do it to be annoying (or possibly they simply have no clue). Whatever the
reason, it's their responsibility to solve, not yours.
Again, don't take the bait. Take a deep breath instead. It is all part of the MPI plan.
Absolute power corrupts absolutely.
Wayne
March 14, 2011 9:25:10 PM
Correction to my last...the local story should be airing at noon, and there
should be another airing on CTV National news, hopefully tomorrow as well. You
might have to keep your eyes open for the national story as it might be pushed
back due to the coverage of Japans earthquake and subsequent tsunami.
Wayne
March 14, 2011 6:54:06 PM
Had a few emails today saying there is an MPI story on CTV Winnipeg tuesday at
6PM. Channel 5 in my area anyhow.
Against MPI
March 14, 2011 4:39:05 PM
I am so frustrated with MPI. They create so many roadblocks that it is a full
time job trying to keep them on track. I had 5 not at fault claims. I have
severe whiplash, chronic pain and Fibromyalgia plus all the other diagnoses I
can't pronounce never mind spell. I am a working professional who spends time
doing proper documentation. If I did the kind of job my case manager does I
would have been terminated. I advise all claimants to get copies of all
letters written by MPI and by your medical providers. It is your legal right
to obtain all copies. I recommend that you spend time studying everything MPI
sends and receives because MPI denies claims based on very incorrect
information. If you don't stay on top of your claim(s), they will deny and
bury you and your medical providers with a ton of paperwork. I guess it is
their way of denying claims as fast as they can so that the burdon of proof is
back on you. We all know that fighting MPI is a very frustrating process. My
internal review hearing was cancelled because I fought my case manager's
decision explaining and pointing out how she did a horrible job in gathering
the facts. Now, they seem to be dragging their heels gathering the correct
info because they know it would support my case. Of course they don't want the
info. because that may mean that they will have to pay. Now, the internal
review dept. is hounding me into another internal review hearing. There is no
communication between my case manager, her supervisors and the internal review
dept. They are all paid employees by MPI but I am stuck having to tell each of
them each who to go talk too. Am I a MPI employee? Why am I having to do their
jobs for them. I find MPI an incredibly corrupt company. How do they get away
with such doing business this way baffles me. My advice to all is stay on top
of your file and fight for every penny you think you are entitled to because
they will not help you. The goal is to lie and deny! They get paid to deny as
many claims as they can and close claims quickly. They do not help you get
well nor do they help you financially. Don't think for a minute they are there
for you and don't believe their stories! They are all stories trust me ! After
5 claims I have heard them all.
Wayne
March 13, 2011 9:34:43 AM
They may very well be trying to get rid of small brokers. Also learned that
when you start your 5 year plan, that broker receives THE commission. If you go
to a different broker for the 4 subsequent years, that broker you went to for
the last 4 years gets nothing. "If you don't like it, don't be a broker".
Also in looking at my renewal form, looks like they want me to pay over $100
for something, plus my $100 a month for insurance. WTF? Is it $100 for our
license every year now? But, in the end it all works out for us. The more
people MPI steps on, the more people join our cause.
frustrated
March 11, 2011 3:13:03 PM
Here is a new one for you all to try and figure out. With the new 5 year plan
the MPI system has made it just lovely to renew. Here is the just of it. Lets
say last year when you received your 5 year sticker that you paid your premium
in full guess what this year you MUST pay it in full again unless you come in
the day before renewal at which time the agent must cancel the policy and
reissue you another sticker and pick the time payment option. If you have a
vehicle that you let sit part of the year and figure well I will just let it
lapse no no no you can not as it will automatically be renewed if it is not
paid then you will get a suspension. If you come in when you get the notice
you will pay time on risk to the date that you cancel. Now be careful with the
new snowpass situation because if you choose to get a snowpass this year it
will automatically be added in on next years renewal. I think that MPI is
trying to slowly get rid of the small town brokers themselves and have
everything in on a five year system so that they can make you either pay by
mail or have just major outlets. I hear that the brokers are now getting
smaller and smaller commissions......doesn't sound very diplomatic does it.
L.G.
March 8, 2011 5:31:39 PM
I just cannot fathom how the government lets MPIC get away with this!!!
According to the Winnipeg Free Press - MPIC graciously gave away a claim centre
to an aboriginal charity of their choice on July 8, 2010. This building was
paid for by Manitoba's motor vehicle insurers, and given away without our
permission. Now, I have seen 3 brand new buildings going up as claim centres
and yet another one in Selkirk, Manitoba. The three buildings in Winnipeg were
reported to have cost a mere $35 million and the one in Selkirk has another
price-tag attached to it. How does a Crown Corporation get away with this kind
of theft?
Give us back our private insurance or at least the opportunity to make our own
choice of insurance company.
Linda
March 8, 2011 4:54:48 PM
I was involved in a serious MVA 5 years ago. I have just settled with MPIC
thru the Claimant Advisor Office, who takes on the "fight" between you and MPIC
as an arbitrator. Was it worth it? Not likely, but at least I did not pay for
the legal fight. MPIC hires all kinds of doctors to do their dirty work for
them, thus YOU cannot win, believe me. The claims officers are just as crooked
as MPIC and will deliberately try to get you off a claim, if there is an
injury. They do not know the MPI Act, or so they pretend. My advice is to go
onto websites concerning previous claims that are posted under the MPIC site.
Look up the MPI Act. It has lots of good information that you can use. If
there is an injury involved, make sure all your "scores" are added correctly,
as they tend to be lower so your claim is ended sooner.
It's a real shame that Manitobans do not have the right to choose their motor
vehicle insurance company. We are told that we cannot sue the driver at
fault. That should be a right, not a privilege. AutoPac is great, if you
never get into an accident. But if you do, you lose no matter what!
Wayne
March 4, 2011 12:08:05 PM
@Newfie...that's the way it is at MPI, you are never made whole again. My
friend got hit shortly after buying a car and had the extra insurance package.
He lost close to $14,000. I honestly don't know how private insurance deals
with that issue, but not being allowed to sue the person that hit you, how do
you recover your losses?
It's time for a change in the government that allows this to happen.
Rick Matthews
March 4, 2011 7:17:50 AM
@ Carlyn February 28, 2011 12:36:16 AM
for your posting of links pertaining to Laurie Tomlinson you forgot one and it's
HUGE!!!
http://www.jus.gov.mb.ca and I highly doubt if there is more than one Laurie
Tomlinson..... Sheesh, wouldn't go near this person, even for a million bucks.
Rick Matthews
March 4, 2011 6:50:58 AM
@JULIEN DUBUC and your post at December 30, 2010 12:49:24 PM
I don't understand where you mentioned how much taxes you paid on a car you
purchased at the MPI auction? I've bought enough vehicles of every kind there.
When I won each item I paid the price PLUS 12%. When I completed all 3 required
inspections-alignment first, integrity second and safety 3rd, I still paid ONLY
insurance on what it costs to insure for the duration. How is it that you had to
pay book value regarding taxes later? When you purchase at the auction, it's
100% known you pay those taxes before you haul it out of their compound or no
dice. So what then, you had it appraised to be worth upwards and near 5K and
paid for that value? Camper trailer/RV's, sure, you pay for what you declare it
to be worth, far as I know you can't tell them it's worth anything other than
what they charge you for options you request at time of insuring.
Don't mean to beat on you but here's the thing about paying $500 for a car that
might only be 5 or 6 years old and then paying a few hundred for alignment and a
few parts if applicable, then less than $200 for integrity and again less than
$100 for safety. That car is worth more if it had never been in an accident and
MPIC hadn't seen it even once but when I asked them before about this too, they
deny it anyway. IE: okay, in their eyes you now have a pretty much close to
brand new vehicle for steering and alignment and frame is obviously straight,
no? Then the safety shows ALL government required items are a pass. Yes you pay
exactly what the first owner would pay this year if it had never changed hands
and he required same insurance as you, today. Yes depreciation is one thing BUT
what you are actually paying IS high insurance for a newer vehicle so I'd
suggest that all who know of your examples and mine, time to complain loudly?
There really isn't something like "just enough" when it comes to safety or the
minimums for measurements etc., the standards are somewhat tighter today and
when you buy smaller economy cars and see how thin the brake material is when
new, there isn't much lee-way so a pass is often as good as near new upon
inspection since quite a bit of wear means a fail anyway.
Rick Matthews
March 4, 2011 6:34:58 AM
Here are some questions regarding how MPIC bills you for insurance. First take a
look at your statement mailed to you and then try to compare it to what they
show on their site for insurance. That plate fee (Plate Usage), I still haven't
aksed about (but will quite soon), why isn't it mentioned anywhere on the
documents you receive from them but IS mentioned on the site? Is it a one-time
thing or do we pay for the same plate every year? I seem to remember that I
heard a long time ago that we pay every year even though we don't all ask for a
new plate. If this is the case and we are paying for something that we don't
often replace and could get a new pair of plates every year for the same fee of
$7 for example, then I'd advise that all of you do likewise if after finding out
we shouldn't really have to pay for something we weren't changing in the 1st
place. Another issue IF we do pay every year, it isn't shown ANYWHERE that we
pay for that and a paper document doesn't have the luxury that the site does
where they advise "their estimate isn't legally binding on the site.." Next:
looking at simpler and cheaper items as insured, all totals are in dollars only.
Revenue Canada may round off for certain things, why aren't we allowed to pay
EXACT amounts or actually CHARGED actual amounts? I took a look at my 33%
reduction for just a few items and it added up to about 90 cents they cheated me
out of. I've got more vehicles up for renewal after this and it will be more
than 90 cents. That's a petty amount but think about it, it all adds up for all
motorists in the end. Yes I know that the basic insurances before the discounts
are also even numbers but still needs to be exposed for accurate billing costs.
For just one of my vehicles the cost per year is $932 minus $40 and a 33%
discount amounts to $294.36 but the discount shows only $294. Now I don't think
I can find anything in a store for 36 cents but the whole principle of the thing
is that they quote a rounded off figure of the $892 and DO say I qualify for 33%
off. Now as to paying for insurance, you can pay in many forms-even actual
antiquated cash so how many hundreds of thousands are paying these nickels and
dimes? Personally, I'm going to contact the Ombudsman about it and also ask why
ALL items are not shown on such a "bill"
Another funny thing about calculating whatever types of vehicles I have? Since
my renewals are coming up quite soon for a number of vehicles, the new rates
apply to me in this case. No matter which way I input my options of discount
rating, optional coverage as listed on my most recent mailing from them, it
never jives with anything on their site so that to me says they are extremely
lazy for the site itself. Some people DO peruse the site after hours when maybe
looking at buying another person's vehicle but I do think MPIC does this on
purpose since yes, so many models and brands of any vehicles but they are
supposedly following their mandate to show they are being truthful? Trust me, no
private insurers would get away with posting bogus totals before their customers
started to go elsewhere and/or complained-loudly I might add. To end this for
now, I don't care if it's a buck or 2 that I should be credited for coinage
discounts for all vehicles, it adds up and they bury this in their profits while
we pay more and more each year. What will they advise "we can't handle coins at
an agency? Uh, when I pay by any cards whatsoever, no money is changing hands
anyway. I'll update later after I initiate a complaint against them just so you know
Newfie
March 3, 2011 5:38:20 PM
Well, I just realized how much I hate MPI....i'm completely getting screwed
over...they wrote off my car, but are offering me crap, and I still owe money
on my car...to be exact $4000 more then what i'm being offered, and the
accident was not my fault.
I just don't have $4000 to pay off what I owe left on my car...and now I have
to fight with them just to get a bit more money...this just isn't fair. They
say they are there to help me, not hurt me, but yet, i'm hurting a lot. It's
not like I can sue anyone to get my money, and I can't do without a car.
Against MPI
March 3, 2011 12:25:16 PM
For those that are afraid of a legal backlash, the group respects your concern.
The reasons for coming forward are: Point #1: Why should a person have to
hire a lawyer to receive benefits that are suppose to be provided to them under
No Fault Insurance? Point #2: Why should MPI get away with settling out of
court offering only a portion of what the claimant is entitled too? Point #3:
If you settle out of court is it fair that a lawyer hired to represent you
takes a % of MPI's low settlement? Point #4: When you add up all the costs
incurred by you to settle your legitimate claim under No Fault with the low
settlement MPI gives you (after your lawyer takes their %), you will still be
in debt. People with legititmate injuries are financially ruined. Anyone who
has settled out of court should still come forward and say they settled out of
court. The group is not asking for all the details, we just want to prove the
number of out of court settlements. People don't realize all the corrupt ways
MPI does business. For those worried about any kind of a legal backlash is
understandable. The group will try to find and post an answer soon. As a group
we are getting stronger and smarter. MPI will soon realize that Manitobans are
smart and are demanding change.
Lanna
March 2, 2011 4:04:42 PM
Here's some BNA Act info off canadianlawsite.ca
In 1982, the power to amend Canada's Constitution is repatriated - brought home to Canada from Britain -
and the new Act is called the Constitution Act, 1982. The BNA Act is not repealed, just re-named. It
becomes part of the new Constitution as the Constitution Act, 1867.
MAKE THEM PAY WITH MONEY WHILE WE PAID IN PAIN AND TREATED INHUMANLY!
March 2, 2011 3:56:16 PM
Hello to everyone who has been mistreated by MPI while believing in a system
that you thought was there to insured you and help you. In my opinion they
have unqualified staff, overworked staff, and lawyers paid by us to fight for
them while we have to pay for our own lawyer or adjuster because we are not
getting any satisfaction with our insurance adjuster (who by the the way is
working for MPI and us at the same time which is a conflict of interest.) I
would like to suggest that everyone get together and start a class action
lawsuit against MPI for running a monopoly government crown corporation which,
in my opinion, is against the B.N.A. Act of 1867 which governments can not form
a monopoly and are suppose to be working for us! Good luck in finding the
original B.N.A Act because on most Government Canadian websites a lot of this
Act is missing.
anonymous question
March 2, 2011 3:36:12 PM
Does anyone know whether a person who comes forward who has been forced to sign a non-disclosure
would be protected under Whistle-blower legislation? Isn't there some sort of protection? Otherwise MPI
would DESTROY, and we know they's use our money to do so, ANYONE who spoke out against them who
had agreed to not do so. Non-disclosures are contracts, it would be breach of contract. Who protects this
person?
Against MPI
March 2, 2011 3:30:09 PM
I encourage all people that have had bodily injury claims with MPI but have
since settled their claims after years of MPI denials, MPI roadblocks, MPI paid
doctors and specialists, incredibly high lawyer fees and bankrupcty (or near
bankruptcy) to please come forward and do your part to help fix our broken auto
insurance system in Manitoba. Manitobans are not aware of how corrupt MPI is
and how corrupt their business operations are. If people don't speak up then
nothing will change. I you are ever in another accident or one of your loved
one is in an accident they will experience the same or worse treatment than
you. If MPI got you to sign a confidentiality document when you settled your
claim, you should come forward and tell others that this is what they do. It
is not uncommon for MPI to deny the most obvious claims in hopes that the
claimant will walk away due to stress or bankruptcy. If your case nears the
end of the hearing & your case is strong, MPI will offer you a small settlement
so that you abandon your court case. People accept the settlement because they
can't risk losing the case if it was to be heard by the judge. Let's face it,
MPI does this on almost all of their cases. They know they must pay but they
lie and cheat all the way up to the court date and then quickly offer you a
settlement which is mostly likely 1/4 of what you probably would have been
entitled too. I know this happens. I have talked to many people who have
settled their claims out of court. I am now asking these people to come
forward & support those that are walking down the same path you once walked.
We all need to stick together. If we don't, MPI will continue to waste all the
insurance money they are collecting from us. MPI says Manitobans don't have to
worry because we have no fault insurance and that we are covered if we are ever
hurt in an MVA. This is a huge lie and the public needs to be aware of this.
Wayne
February 28, 2011 9:15:31 PM
Hey Teda, if you want in on the action here is my email
waynefranklin@mts.net Love opening my email and seeing a new member, hope to
hear from you soon.
Teda
February 28, 2011 3:22:03 PM
Everyone take out your driver's licence and have a good look at it.
When does it expire? 2012, 2013, 2014?
Now, is there anything on your licence that shows you you have renewed? NOT!
When you renew, you keep the same card but there is nothing on your licence to
indicate that you have renewed for this year.
Try this at home, if someone would like to borrow your car, being the
responsible person you are, ask the borrower to see their licence to see if it
is valid. OK is says July 1, 2013. Looks valid to me. But since don't have
access to MPI system to verify this, your friend gets into your car and crashes
it. It turns out that it wasn't renewed, but on his licence it says it was
valid until 2013. He is driving without a valid licence.
Who pays for the damages?
Since MPI implimented these new licences, they are trying to be like other
provinces that renew every 5 years, but these other provinces only charge about
$60.00 for a five year licence. If MPI did that they would stand to lose
millions because they charge us yearly but want the card to be valid for 5
years. Follow me? So imagine if they wanted to give us new glossy licences
every year, it would cost them a fortune plus if they changed to a 5 year
system it would cost us about $60.00/yr x 5yrs = $300.00 for an average driver.
There is another shoddy scam that the public does not know about.
Lanna
February 28, 2011 3:06:59 PM
Carlyn's post is worth heeding, in my opinion. Additionally, I have knowledge of 2 other problems with 2
other individuals with respect to interactions with Mr. Tomlinson which I will not publicly post in fairness to
Mr. Tomlinson as I do not know whether the issues were ever resolved. Both issues were significant.
Something needs to be done about MPI but I don't think it requires Mr. Tomlinson's involvement. Just my
opinion.
Teda
February 28, 2011 3:00:09 PM
Hi everyone, I am a driving instructor in the city and am with you "guys" on
having an anti-MPI demonstration. If you are not aware, the PUB and CAA is in
court right now demanding that MPI open their books to the public. In the past
MPI have refused on numerous occasions. I am sitting on the edge of my seat
everyday hoping that the PUB wins. I also agree with another blogger that we
need to get together on this in order to be prepared for the next provicial
election. Let me tell you I have been also fighting with the govt. against MPI
for many years including filing a complaint with the Competitions Bureau and
speaking with MPI critic Mavis Tallieu.
Please keep me in the loop!
Carlyn
February 28, 2011 12:36:16 AM
Caveat emptor: There were some very negative postings about Laurie Tomlinson a
while back on the blog.
Hey guys, have been in touch with Laurie Tomlinson from acci-care. As far as I
can tell he seems pretty decent. I was toying with the idea of making a video
of some of you to post on you tube or send to various news agencies hoping to
get your story picked up. Went on you tube and Laurie has one there, check
under manitoba public insurance, titled "reform" I believe down near the bottom
of the page. He seems to be legit, but I will be taking a meeting with him and
find out his prices for our next meeting.
Back to the video. I myself do not have a claim in with MPI. I have heard your
stories and am trying to help change MPI, but the onus can't be on me. I can't
change MPI by myself, and I need people to step up to the plate. I need people
for the video, and would prefer people with injuries. Whoever is "me", I would
love to hear from you. The Thomson's, I hope you want to be a part of this.
Listen, if you guys really hate what MPI has done to you, and want to change
the system, let me know. I've heard alot of anger, but haven't seen too much
action yet. I know 3 or 4 of us who will be doing protests too, but is there
only 4 people who want to change MPI? Get your families involved; if they care
about you, they will come out.
It's an elcetion year guys, it's time to decide. Please, if you have been
hanging back, come forward. I think the video and using social media sites, we
can start educating the public. waynefranklin@mts.net
Wayne
February 21, 2011 9:20:55 PM
I've heard so many sad and unbelievable stories like yours, and it honestly
wants to make me cry. I don't understand how politicians, can hear these
stories, decide to do nothing, and sleep every night.
You can write every politician you can think of, and nothing will change. I'm
sure that enough people have written in, that one would think change is
necessary. Unfortunately, we have to hit the streets and protest. Make it known
to the public what MPI does, and that we won't stand for it anymore.
If we cannot change our world for the better, then why are we here? I hope you
do join up with our little group, and stand together to make those changes
possible.
Mel
February 21, 2011 3:10:00 PM
Hi, me again, I would like to clarify that I must say suspected impaired
driving crash, no accident in our minds!, the driver that hit our boy hasn't
been charged yet despite the fact that all reports are in. I would also like to
say that we have booked appts. with our MP, MLA's and thier opposition. I am
attempting to see Swan but not so easy. Thanks again.
Mel
February 21, 2011 3:01:58 PM
Good to hear that there are plans to fight the re-victimization practices of
MPI. My nephew was hit and killed in a (suspected) impaired driving crash while
driving our car on Nov. 10 2010. He was 22 years old and lived with my husband
and I. The amount given to my sister, the value of that wonderful young man,
was $12,201.00. We were just sick, doesn't even cover a funneral. He was
estranged from his father, as he left them and wanted no contact with them ever
again, also recieved 12,201.00 with which he bought a mobile home. He flatly
refused to help her pay toward any funneral costs or debtload but MPI didn't
care " that is what the act dictates". The adjusters we are involved with don't
return calls, say they didn't recieve info. that we sent, declined loss of
income suffered by devistated a parent, declined councelling to my husband who
was very close to him. Our vehicle claim still isn't finished. I have scheduled
a meeting with the ex. ass. to Swan at MPI for later this week. Any advice? and
in slistening to our story, would it be appropriate to join you group? MPI as
it operates now has got to go. Thanks
Wayne
February 17, 2011 6:45:00 PM
@James...totally agree with you, but the NDP won't allow anything even close
to that. Can fight them in court if you want, but unless you're a millionaire,
you'll run out of money. Best bet is to join us in the MVA Group, and let them
know we want change when we get out there in front of the Legislature. Just
like Tunisia and Egypt, the dictators must go.
James
February 17, 2011 12:18:08 PM
One could make the case that because Manitoba residents are stuck under a single
(monopoly) corporation's draconian policies. Reporting record millions in
profits year in and out. That there is an unhealthy amount (lack there)of
competition in this market, as a direct result of proper oversight and improper
regulations. If a person is forced to either be with MPI, or not to travel,
because driving WITHOUT insurance would be against the law. MPI then shall
create no barriers to mobility in essence. When one is being completely
overcharged and has no market to turn to for fair price for reasonably service,
this is a very large "barrier".
An exert from the Canadian Charter of Rights and Freedoms:
The Constitution of Canada contains mobility rights expressly in section 6 of
the Canadian Charter of Rights and Freedoms. The rights specified include the
right of citizens to leave and enter the country and the right of both citizens
and permanent residents to move within its boundaries. However, the subsections
protect poorer regions' affirmative action programs that favour residents who
have lived in the region for longer. Section 6 mobility rights are among the
select rights that cannot be limited by the Charter's notwithstanding clause.
Canada's Social Union Framework Agreement, an agreement between governments made
in 1999, affirms that "All governments believe that the freedom of movement of
Canadians to pursue opportunities anywhere in Canada is an essential element of
Canadian citizenship." In the Agreement, it is pledged that "Governments will
ensure that no new barriers to mobility are created in new social policy
initiatives."[18]
The answer is quite simple, A: stimulate the market with competition, I am sure
there would be plenty of insurance companies from the states dying for a market
share.
B: Corporations no matter how well meaning in the beginning will become corrupt,
there is no reason why auto insurance couldn't be socialized, with a small
elected/appointed governance, with the idea of paying for itself(as a system)
all return would go back into the system for the people who use it, making
everyones rates cheaper.
Wayne
February 15, 2011 9:00:49 PM
test..test...Still workin Adrian
Wayne
February 12, 2011 9:38:54 AM
I believe, as do others, that MPI does operate on the very line of illegality.
This continues because most people don't understand how bad MPI is until they
are stuck in their system. MPI is a crown corporation that is accountable to no
one. The NDP party claims to not be responsible for MPI, as in they say there
is nothing they can do to help you. Public utilities board is not allowed to
look at MPI's books. So, they deny your $2000 claim for chiropractor, yet they
give away buildings, and spend millions on things like Human Rights museum (I
believe), sponsor ball games, advertising (why does a monopoly advertise, where
else are we going to go). They spend millions, trying to paint themselves as
the good guys, and if you oppose MPI you must be a criminal. We have to educate
the public about how MPI has stripped them of their rights.
We need people in the MVA group to actively recruit more members so we are
prepared to rally this year. It's time to show the NDP for who they truly are,
the ones protecting MPI, and keeping us under their bootheel.
John
February 11, 2011 11:42:13 PM
You know what I hate most about MPI is just the attitude of people that work
there for they are arrogant and ignorant. Now this isn't everyone but a lot of
them. They can treat you the way that they want because face it where else are
you going to go for insurance. You know it may possibly cost a bit more if we
had private insurance but I would be willing to pay it so that I had a choice
and weren't held captive by MPI. How is that right, how can they do this, if I
owned all the insurance companys in Manitoba and fixed all the rates that would
be a Monopoly and that is illegal.
The other thing is the repair rates that they pay the shops. I know that most
of the repair shops in the province charge anywhere from $89.00 per hour to
$125.00 and they aren't allowed to charge MPI their door rate. MPI dictates
what they are going to pay them which is I believe $49.00 for glass and $64.00
per hour for for body work, suspension or alignment work. It must be a real
tough thing for these shops to be able to survive and have to keep up with the
new technology in all repair aspects. MPI needs to be abolished somehow so we
have the freedom of choice,is that not the law?
Donald Trump
February 10, 2011 11:55:50 AM
If a bunch of potheads can rally at the Legistaive building once a year on
april 20th....
Why can't we organize something? or are they more passionate about there drugs
then we are about our health,nevermind the justice...
Against MPI
February 8, 2011 12:22:35 PM
I gave the Manitoba Chiropractors Assoc. our MVAS website address. Anyone in a
crisis with MPI should contact our group. MPI is large and very corrupt. They
are accountable to no one. The most obvious of injuries are denied. MPI pays
for unnecessary survelliences which is a form of stalking and an invasion of
our privacy. Our group provides support to those who have been and are being
abused by MPI.
Wayne
February 8, 2011 9:42:01 AM
@watching my step
It has become very clear to me with our meeting yesterday, that there is no
one in power who is able to do anything. You can't sue, because you are not
alowed to until MPI is done with you, which will be years from now. The only
two people who could help you would be Swan or Selinger, and if your not
family, they will ignore you like they have done with everyone else. There is
no govt body to make MPI toe the line, so they are accoutable to no one. The
only recourse I can offer is joining up with the MVA group, and adding your
voice to ours. I see it s the only way anything will ever change. You can
either email me at waynefranklin@mts.net or email at our site Motor vehicle
Accident Support Group-Its time to take a stand (sorry forget the site address)
We have to stand together so we are not ignored, as this $%!#* has gone on long
enough.
watching my step!
February 8, 2011 8:21:58 AM
Okay so looking for information to help me next week i have managed to stumble
across your page... If someone could help me understand how to get the most out
of my experience and its a long one... all i can say is that i just want to get
back to a normal life where mpi doesn't send its cars out to follow me and into
a job that i can handle.. also i need advice on how to get the largest
settlement.. Ive had 2 accidents that are affecting this injury that mpic is not
telling their medical team that the first one that caused all the damage even
happened.. never mind the 4 accidents prior to the last two that are what im
trying to deal with.. my first life changing accident happened a week shy of my
26th birthday i am going to be 32 this year PLEASE HELP
Yah Ed, if you want scroll down and send me an email. We are a group of people
who are trying to hold MPI accountable. Hopefully as a group we can achieve
what people can't individually.
We met with Mavis today and the meeting went fairly well. She also said that
banding together is the way to get someone to listen. Mavis pointed out that
since they do not have the majority, there isn't really much they can do,
unless they get elected. She is VERY aware of the problems within MPI, and is
as perplexed as we are as to what is going on down there. She has acknowledged,
that if they are running Manitoba that they will have to go through MPI from
top to bottom. She also said that they are very open to ideas such as the
new/old system like Saskatchewan has brought in. They kept their old system,
but also brought in a tort system for those who want it. They are willing to
offer us choice, unlike what we have now. I would have to say that she seemed
genuine to me, and hopefully will follow through if they are elected. As we all
are aware, change takes time. Hopefully some day we will be able to rest easy
knowing that our children will not fall victim to the same system.
Many thanks to Adrian and Lanna for representing us.
I would like to say, that if you have been too worried to sign up, please
don't be. If you don't want it known that you are a member of the group, you
can remain anonymous. As long as we can say we represent "X" number of people,
it helps. Please, go out and spread the word, join up to make a change.
I believe Adrian will be posting some more details about the meeting in a week
or so, so keep your eyes open.
Against MPI
February 4, 2011 12:13:45 PM
Ed, wow ! I feel bad for you. MPI is a no fault insurer which means no matter
who is at fault MPI should pay for a motor vehicle related injury. If you were
hit by a vehicle insured by MPI, they have to pay for the expenses you are
incuring due to the accident. As mentioned already, MPI denies claims of
pedestrians who actually cross in a legitimate cross walk so be prepared for a
fight. MPI will do whatever they can to deny every and any claim they can.
Some people say they have had no problems with MPI. I question how that is
possible??? Do they have a relative working at MPI?? Do they have a good
lawyer?? If you have pre-existing depression, headaches, torn tendons, etc.
etc.... they will always use those pre existing conditions to deny claims even
if the pre existing condition does not have anything to do with what you are
claiming. I often wonder how they get away with their corrupt ways of doing
business. Ed, please proceed with your claim. If they deny you, then fight
back. No fault insurance is suppose to be there for those who are hurt due to
a motor vehicle accident. Your injuries are very real and well documented so
how can MPI honestly deny your claim. I suggest you join the MVAS group and
join the fight. We have well educated people in the group that has vast
knowledge fighting MPI. Many of us are like you. We have all been hurt, we
have all suffered various types of injuries and most of us are slowly going
bankrupt while MPI makes millions of dollars a year in profit.
Lanna
February 4, 2011 2:41:21 AM
Ed, if it makes a difference, I know of someone who was hit in an official crosswalk and they got the same
treatment the rest of us are getting. It wouldn't have mattered where you were hit. MPI will stick it to
anybody. Having said that, you only are required to obey your boss to a point...safety first. Sounds more
like a WCB claim to me. You were working, meeting at Tim Horton's, you got hit. I hope you get the
treatment you need to get better. Really sorry to hear of your injuries, sounds like you are lucky to be
alive.
MPI sucks
February 3, 2011 9:00:41 AM
wow, that story sounds brutal. But as you point out that you were crossing the
road illegally at the time, should they cover your damages?
Ed
February 2, 2011 11:28:52 PM
so here is what happened.It was may long weekend and I was at work and asked by
the owner to join him across he road at tim hortens. on the way back the the
owner saw a break in traffic on portage avenue and hollered that we should run
accross (not at a cross walk). the first lane was completely open, the second
was full. i popped through the second line and was struck by a montana van
moving an estimated 50 kmph. I broke my hip in 5 spots, tore both knees quite
bad (ACL, MCL an minicus'), seperated shoulders quite bad and those also will
require surgery. I have scars all over my arms, legs, body and face from the
impact of the the windsheild and from lading on portage avenue. i am at a loss
at what to do really. i struggle to walk without pain and my body aches and
aches. i am 30 going on 95! when i asked to go to chiro... they agreed but
thought maybe i had a pre exisiting condition? lol!!! really? i should be in
the ground! i wish i had more recourse as i know my injuries are from this
accident... no question! but as I (we) were not at a crosswalk it seems i have
little to no recourse.... any advise?
Carlyn
February 2, 2011 9:10:25 AM
This is good news, Wayne! I hope she is serious about making changes to the
system. I'll look for your update in the coming weeks.
Carlyn
February 2, 2011 9:08:26 AM
Ed: Sadly, this is the way MPI operates. It is up to us to prove that our
injuries did not exist before the motor vehicle incident. If there were pre-
existing conditions, it is harder to prove what part is related to the
incident, and what part is pre-existing, even if we clearly identify it. Be
careful how much information you give them. They are selective in processing
what is shared, and will use what they can against you. Involve your physician
(or a good sports medicine doctor who doesn't work for MPI)as soon as possible,
so that your injuries are documented. Hang in there!
ed
February 1, 2011 10:18:25 PM
I was hit by a van walking across portage avenue, and it feels like MPI is
doing everything in there power to do nothing against it. they are always
looking to see if my injuries are coming from somewhere else and are very very
little help
Wayne
February 1, 2011 3:54:49 PM
Looks like the meeting with Mavis Taillieu is going forward early next week. I
will put forward the issues discussed in the MVA group, and will post
afterwards on how it went.
Remember people, the more people that join up with us, the more say we have.
Turn on the news and you will see that people CAN bring change.
Against MPI
February 1, 2011 12:40:36 PM
It is very important that people who are unhappy with how their claim has been
or is being handled to join the MVAS Group. MPI is very corrupt. They are
corrupt to the core. They make millions of dollars in profits annually. The
gov't uses MPI profits to fund other gov't programs instead of paying
legitimate claims. MPI and their associates are very corrupt. Many
specialists are corrupt because they make a lot of money off MPI if they
support MPI's corrupt ways. The support group is a great way to learn about
MPI, how they handle claims, what the rules are, what you are actually entitled
too, how to proceed, which doctors are legitimate, etc. MPI will be forced to
acknowledge their corrupt ways if the group becomes large enough. There are
many people severely and legitimately injured. If they are injured they have a
right to make a claim. Many levels of the gov't are well aware of MPI's
corrupt ways. MPI will only change if the people in Manitoba get together and
form a well informed and educated group and fight back.
luke
January 31, 2011 4:51:41 PM
Caryln, you sound like a decent honest and intelligent claimant who's had to
deal with Dr. Michael MacKay. Welcome to our small but growing group. You may
wish to contact Mavis Taillieu, MLA Morris and Conservative Critic for MPI,
regarding your displeasure with Dr. MacKay.
wayne
January 29, 2011 6:54:36 PM
@sketch
Not sure how things work in Ontario or with private insurance, but if you are
in 5 accidents where the other driver is at fault, your insurance goes up? You
will find that most people on this site were hit by someone else, that is why
they are so angry. You're driving along enjoying your day, when WHAM! some
careless driver hits you. Then MPI sticks it to you after that. Welcome to your
new life of agony, and trying to pay your bills with no help from your car
insurance company.
Hope that clears up any questions.
Carlyn
January 29, 2011 8:35:28 AM
Diana: My insurance broker told me that the third party insurance applies for
out of province/out of country accidents, where MPI's "no fault" does not apply
to the other driver (but still applies to us ironically). For instance, if we
drove across the US border to shop, and got in an accident that was considered
our fault, the other driver could sue for millions.
Lanna: I have no 'objective' explanation for continuing pain and disfunction,
though I have diagnoses that MPI will not accept, because in their opinion they
are based on symptomology, not objective evidence. MPI 'expert' McKay said that
the only reason my doctors say I can't go back is because I say I can't, and
that if I just wanted to, I could do the work. Baloney. If I could, I would. It
would be much easier than fighting with the egotistical god that is MPI. They
set the rules, and they decide who is telling the truth (apparently, no one is
honest in their world - what a sad place to live).
Lanna
January 28, 2011 9:40:03 PM
I'm generally curious whether other people have had rude comments from assorted MPI/Third Party
Assessment practitioners?
As an example, after being rear-ended at a red light and having pain in my neck and numbness in my
hands to the point of dropping things, I was sent to see Dr. Michael MacKay by my then case manager
Greg Locke. I explained the problem and asked if I could have either a CT or MRI. MacKay's response
was that "that's an awfully expensive test for somebody with nothing wrong with them."
Then I was sent (by MacKay) to a neurologist at HSC, Dr. Ilse, who did some tests and proceeded to tell
me that the numbness and pain was because "skinny young women like you just get these things." So
over-weight people have no pain if they get in a car accident ? ?
Eventually I got a CT on my own and sure enough, had a herniated disc in my neck at the exact spot
which explained the symptoms. Isn't this malpractice?
I won't even go into the Dr. Conrad Hoy experience at ARCC on Main Street. Bizarre.
Diana
January 28, 2011 3:55:53 PM
Against MPI- I think everyone in manitoba would be better off going to another
province just to insure our vehicles for the period of eachtime,it would be
well worth it for everyone,then that sure would give MPI a loss of business and
let them feel the pain and loss and see how they would like it.
Diana
January 28, 2011 3:40:17 PM
Against MPI - I have been in a accident where a lady was speeding and hit me
from behind "her Fault" she gets a slap on the hand,I suffer in pain,alot of
stress,lost time off work and wages,loss of vehicle and a whole lot more loss
of money,then what MPI gives you back in return. so can someone please explain
to me WHY do we pay insurance on our vehicles and why do we pay for having a
million dollar liability,what is the million dollar liability for and where
does it go,what is it for and who gets it???????????
sketch
January 28, 2011 4:13:53 AM
against MPI I do not know your story - but having 5 claims seems like a lot. If
you lived in Ontario you would not be able to afford to drive a vehicle after so
many claims as your rates would be very high. I am not meaning to be uncaring
but be careful what you wish for. Our private insurance companies only pay 400
per week maximum - no matter what your earnings were. This makes it impossible
for a middle income earner to live after accident unless they have another
insurance plan. Your plan is very fair from a bodily injury perspective.
Adrian
January 23, 2011 12:23:54 PM
Sorry for taking so long to response, it's been a busy past week out of the
province for work.
@Against MPI:
I would love to make the website more friendly, unfortunatelly how easy it is to
find the website isn't something I have too much control over. The website
address is controlled by the webhost so since we are using free web hosting it
isn't really possible to shorten it and take out the freeiz part so it's easier
to find in searches without paying for hosting.
Also, as far as where it shows up in a search such as google, at least to the
best of my understanding, is based on the popularity of the site. Meaning that
when someone types in any combination of keywords associated with the website
(Motor, Vehicle, Accident, Support, Group, etc), how far down it shows up in the
search is based on how many times the website url and the website name have been
typed on the internet, as well as how many times the website has been visited,
as google tracks those things. On the bright side that means that over time it
should hopefully be easier to find, but it also means that at the start we just
have to get the word out there as I have been trying to post on related articles
pointing people to The Motor Vehicle Accident Support Group located at
mva.freeiz.com.
@Mike
That sounds like bs since I believe from reading legislation MPI tries to
control everything about residents of Manitoba or even those who are not
residents but are traveling through the province. I remember specifically seeing
that even if you live in another province and are covered by their insurance,
MPI over-rides that while you are traveling through Manitoba. As Wayne said, I
would ask for the specific part of the legislation that MPI is basing their
information on. Especially since I am sure they are still charging you premiums
while telling you that you are not covered. Of course it doesn't surprize me
since MPI loves collecting money and keeping it for themselves rather then using
it for its intended purpose.
On a sidenote, has anyone else been unable to access the MPIC corporation Act or
PIPP legislation for the past two weeks or so?
Wayne
January 22, 2011 2:43:57 PM
@ MIKE Simple rule when dealing under the big top with the clownshow.
Whenever someone tells you something as stupid as that, tell them to show you
where it says that, or ask them to put it in writing and put their name on it.
mike
January 21, 2011 9:12:26 PM
Has anyone had experience working and therefore commuting to another province
while maintaining a Mb residence? I am going through this right now and mpic is
telling me any claim I make may be denied for ( blahblahblah ) reasons. My
principal residence is in winnipeg but I work in Ontario. OPP tell me I dont
need to register in Ontario because I'm a Mb resident but mpic tells me my
insurance is void when I am required by Ont to be insured in their province .
WTF?
wayne
January 20, 2011 11:12:44 AM
I agree something has to be done . We pay premiums but when we will really need
need to make a claim we find out what we have really bought. Not fair by this
government who is suppose to be all for the little guy. Keep fighting for the cause.
Wayne
January 19, 2011 3:18:53 PM
@Troy...if you and your wife are interested in joining up with us, send me an
email at waynefranklin@mts.net I feel horrible for what happened to you, and
the fact that MPI is doing you dirty. Alone, we can all be brushed off and
thrown aside. The only way to strike change is to stand together, and use our
voice as one. All of our members do not attend meetings, as obviously some
people are just not able to physically or for other reasons.
If you're not interested, I wish you luck, and hope things turn around for
your family.
Against MPI
January 18, 2011 4:41:24 PM
Can the MVAS weblink more user friendly? I tried to find the site like a user
would but can not find it unless the address is specifically entered in the
search. That site and this site is crucial for spreading our goals as a group.
I am not that familiar in how web programming is done but people need to be
able to find that website easily. Thanks !
Against MPI
January 18, 2011 4:36:10 PM
As a strong and uniformed group that protests MPI's corrupt actions while
telling our their own personal stories of how badly they have been treated
should eventually make it's way into the media. I have contacted media sources
outside of Manitoba such as Fifth Estate and W5 in the past but never heard
back; however, perhaps a news source outside of Manitoba might be willing to do
a story on a group of people. Winnipeg Free Press, Winnipeg Sun, CJOB, etc may
never have the courage to tell our stories for all the reasons everyone
mentions. MPI makes the gov't millions and millions of dollars a year at the
claimant's expense. They then use the profits to spend any which way they want
when in fact they should be paying claims. Our 1st approach is to solidify
what our goals are as a group, approach the MB gov't to do something about it
and if that does not work we should contact media sources outside of Manitoba.
MPI will continue to harrass, lie, cheat and demoralize their claimants because
that is what is working for them. They do not get penalized for their corrupt
actions. We need to keep reaching out to all claimants and hopefully have them
join our fight. There is no other way to get MPI to change. Claimants that
are bankrupt, depressed, disabled and in pain are the ones who suffer from
their corrupt ways. MPI claims adjusters, case managers, doctors, directors,
managers, etc are all paid very well by MPI to lie and deny ! At our next
meeting we can discuss this avenue because although we feel hopeful the MB
gov't will help us, the likelyhood is that they won't. We need a to consider
other alternatives as well.
Troy Thomson
January 17, 2011 7:24:07 PM
I am responding to both wayne and dead meat, to wayne mpi does what it does
because it can, based on what i've heard from the liberals the ndp goverment
has been using funds around 125,000,000 a year in the form of loans to help
balance thier budget, and a rep from Minister Swains' office has told me that
THE MINISTER HAS NO POWER OVER MPI, he even took the time to explain how
medical reports that MPI sent our attorney's and the SAME REPORTS we obtained
through freedom of information act are COMPLETELY DIFFERENT and the MPI ones
look like someone cut and paste them in word pad. Their reason was that MPI
does not EVER get FULL MEDICAL REPORTS FROM DOCTORS and that MPI"S decisions
are based entirely on summaries of medical reports. unfortunately i can't say
that a change in goverment would help, all i can say is the liberal told me
they want to allow manitoban's a choice between MPI and PRIVATE INSURANCE, and
said they were against no-fault, And to dead meat i would like to say that we
are un-hapy with ctv's quotes they not interested in telling our story only
controversy and they had our entire story all the news papers tv and radio have
our story nobody cares, i am not angry with you either from the 8 years we have
been stuck in neutral with mpi we are sensitive on the subject of mpi and us
but when you have had MPI SURVALENCE for 7 of those 8 years (they were even set
up at the welfare office when we had to go on welfare) anybody would be, We are
hoping that with all the attension somthing will happen this spring maybe we
will get that right to appeal back that was promised but not much faith that
they will settle.
Deadmeat
January 17, 2011 1:29:56 AM
This comment is for Troy Thomsom, Let me first say that I don't work for Mpic
and I never commented that you were ""Greedy"".You commented that i made a
personal attack on your family,I am sorry if that is the way you interpreted my
post about your story on the news and I apologize! If you recall i said that
the people at my chiropractors office were the ones commenting on the MPI
claimants trying to win the Mpi lotto!I also said that I sympathize with this
couples claim for proper compensation! It was the news that did not clarify the
purpose of your lump sum payment and made alot of people unsympathetic to your
families situation! You should be angry at the reporter who presented the story
and chose to leave out the purpose of the lump sum payment of 47,000.00 dollars!
The media chooses to omit certain facts to make MPIC look like they are the
ones being screwed not the claimants! I know to well how DIFICULT IT IS TO
FIGHT MPIC! I am sure that after waiting seven years myself for an appeal,that
i know first hand, the pain and frustrations a claimant and their families are
forced to endure! In closing i AM SORRY BUT I will continue to use my "Big
Mouth" , while describing the corrupt Insurance we are forced to DEAL with!
Fighting amongst each other is fuel for MPIC! I wish for you and your wife a
speedy and proper settlement for your pain and injuries!
wayne
January 16, 2011 8:42:14 PM
@Troy Thomson
Saw your story on the news and like so many others I ask how can MPI get away
with doing this too people? How can MPI not be shut down for criminal
behaviour? We're going to do our best to bring attention to MPI this summer.
Hopefully with more attention, comes more awareness from the public who has
been duped, and can show MPI for the lower life form they are. I don't know how
these people sleep at night. What kind of government screws over sick people? I
don't even think Iran does that.
Lanna
January 16, 2011 7:25:32 PM
and a few more comments from the same article...
This is where tort penalties for automobile injuries play a vital role in the efficient workings of the
insurance market. Court awards for economic and personal losses provide a reliable guide to the true
cost of an injury. The problem with awards set under a no-fault insurance regime is that they fail to
reflect the complete cost of injuries both to individuals and to society.
This failure under no-fault insurance to generate complete information on costs can, in turn, lead
insurers to under-price premiums which thus, in effect, subsidizes reckless drivers. This is the moral
hazard effect.
In the case of BC, no-fault insurance may add to the existing risk of an induced moral hazard effect
created by a monopoly insurance provider, ICBC. A monopoly insurance provider, mandated by law not
to fully differentiate risk in setting premium prices for various client categories, already charges low risk
clients too much, and high risk clients too little. (The specifics of the interaction between a public
monopoly insurance provider and no-fault insurance regime will be investigated in later Institute
research.)
However long the answer, both experience and theory suggests that no-fault insurance fails to meet
the grade of equity and efficiency. Awards to victims are less than the true cost of their injuries. Hidden
costs are passed on to either the least able-the victims themselves-or the least suspecting-the
taxpayer. Bad drivers are subsidized at the expense of good drivers and, as a result, risky driving is
rewarded. As reckless drivers are unchecked, accidents increase, and everyone ends up paying more.
Lanna
January 16, 2011 7:22:08 PM
Something to ponder... The following is taken from Public Policy Sources, The Health and Moral Hazards
of No-Fault Insurance, authored by Peter Sheldon
Detailed research has yet to give the full picture on how no-fault insurance affects the costs of
premiums across Canada. In any event, conclusions would be hard to draw given the prevalence of
public monopoly insurers who often set premium levels by political rather than actuarial calculations.
Still, it is worth noting the "coincidence" that the provinces which have had pure no-fault insurance
since 1993 have witnessed the highest premium increases: Quebec up 35 percent, Ontario up 29.5
percent, and Manitoba up 12.9 percent.
The major financial effect of no-fault insurance-and hence its attraction-is that it imposes a cap on
individual injury awards and on their associated transactional costs, e.g., legal counsel and court fees.
Yet, at least in the case of awards, this can be an illusory gain if the government is both the monopoly
insurance provider and the monopoly health care provider, as is the case in British Columbia. If ICBC is
able to secure a cap on individual awards, that may still leave unpaid bills for long-term care, for
instance. The money has to come from somewhere, whether it's from the individual or from the public
health care system. If the individual cannot pay (and it's likely he or she cannot because they are not
working), then ICBC's "savings" shows up as an added expense in the health care budget. What British
Columbians may save in lower insurance premiums they will have to make up in higher health care
premiums.
For most economists, the potential problem with no-fault insurance is far greater than the unintended
displacement of costs. No-fault insurance may actually encourage anti-social behaviour, despite all the
good intentions of its designers. In terms of automobile insurance, the anti-social behaviour is, of
course, reckless driving. Economists describe the effect as "moral hazard," and it can be particularly
acute under the conditions of a public monopoly insurance provider.
A good way to illustrate "moral hazard" is by using the well-documented fact that restaurants insured
against fire burn down more often than restaurants that aren't. The reason is not that insured restaurant
owners tend to be immoral arsonists. Rather, it is that the owners, knowing that they have insurance,
may not take due care to prevent fires. They may cut costs on sprinkler systems and on grease cleaning
schedules.
Proponents of no-fault insurance, however, argue that moral hazard is not a factor in driving behaviour.
They point out that driving is such a complex activity, requiring practically hundreds of driver actions
per minute. They contend that "honest mistakes" rather than negligence account for most accidents;
and, if we are all equally susceptible to accidents, it is unfair to discriminate against those who do get
into accidents.
Can "moral hazard" exist in the relationship between driving and automobile insurance? Well, the
empirical evidence from Quebec, New Zealand, and Australia does indicate a link.
Economic theory also suggests there should be a connection because price and demand are inversely
related. That is, if you raise the cost of reckless driving, you will reduce the demand or the likelihood of
bad driving. A driver will curtail the thrill of speeding or the convenience of driving home drunk if he or
she knows the cost of an accident could prove catastrophic.
Shadman
January 15, 2011 2:29:00 PM
We should avoid jumping to the conclusion in assessing someone else's situation.
Any uninformed comments could be hurtful to the victim.
The common goal of commentators should be to offer any guidance to MPI victims. So
that one can find some relief through awareness. This is known fact, that only a
sufferer can feel the pain, not anybody else.
Therefore, keeping that in mind, any comment placed should be helpful but not
hurtful.
Be strong in your faith and struggle.
Troy Thomson
January 15, 2011 4:58:51 AM
This comment is for "dead meat" i read your comment on the news story ctv news
posted on my wife and i decemeber 2010, fist off you have absoluty no right
accussing us of being greedy ****MPI NEVER PAID A LUMP SOME TO US, IT WAS
$47000 FOR CHILD CARE IMMDEMITY OWED AND ORDER BY AN INTERNAL REVIEW HEARING
CTV MISS QUOTED US**** and the million dollars is what we told them mpi has a
history of paying out and is public record if we could ever get to aicac with
our attorneys MPI HAS US IN LIMBO FOR YEARS even after we won a internal
review for wrongful termination of benifits benifits were never re-instated our
accident was because someone ran a stop sign at 60kmph t-boned our car and sent
us head on into a tree my wife has a brain injury lost her teeth from a
steering wheel to the face seen in the video by the dent in her skull, which
mpi won't cover MPi has ignored the facts fabricated their own truth WE HAVE
PROVE THAT MPI MEDICAL REPORTS ARE ALTERED AND THAT THE MINISTERS OFFICE IS
AWARE OF IT. the press doesn't care about anyones story they are just there to
get people to watch or read I Can't work anymore i care for my wife and
children now my wife can't So next time think before you open your mouth
because you don't know anything in fact you sound like you work for mpi. i
don't like these kind of forums because to easy for people to say they are who
they are'nt, but when someone makes a persomal attack on me and my family I
WILL NOT REMAIN SILENT, and i wrote to the papers for months no one has actualy
told our story or cared and i sent letters to every level of goverment and
still do and will until MPI rights the wrongs they have made against my family
as should everyone who has been wronged by MPI. t One more thing fyi the
Liberals want to give manitobans a choice bettween MPI and Private insurance so
if you are really fed up with MPI send a real message and vote for the
Liberals,
Against MPI
January 13, 2011 12:28:48 PM
We have to remember to respect the confidentiality of our group members. To
clarify, our goal is facilitate change within the very corrupt MPI
organization. We all know that MPI spends our money denying claims instead of
actually paying claims. An insurance company that advertises themselves in the
media as working with claimants to settle claims regardless of fault is a lie.
Even if you are not at fault and you get hurt they deny as many claims as they
can. They are extremely unethical. Where do people think the money for the new
MPI football stadium is coming from??? Come on people, let's all stand up and
do the right thing. As consumers of auto insurance we need to educate the
public with the truth. As a stong and committed group we should feel confident
that at some point there will be enough of us to spark an investigation and
commense very necessary changes in how they handle claims and how they deal
with their claimants. We need to remember to be professional and respectful of
others in the process.
Roy
January 11, 2011 5:15:20 PM
@ wayne: MVA group should join class action lawsuit against MPI.
So anybody, who is just sitting and wishing for some thing to happen, should get
up and do something. In a recent MVA group meeting was a very successful and there
has been good ideas were discussed. Now is a time to put those ideas into action.
This is the only way there is a hope for a change for good. It is very well
understood that as long as there is a monopoly of MPI, then Manitobans can not
expect fair dealing with MPI.
Therefore, before we get together for next meeting, by then we should have
maintained connection for a way to join class action lawsuit.
wayne
January 11, 2011 11:20:05 AM
I know that when I am done work, I am going to contact Gloria, and tell her
that as a consumer I want a choice other than a company that pays no pain and
suffering and screws a person every step of the way.
If you want to do the same her number is 452-2572 and email is
info@consumermanitoba.ca If anything we should let the consumers group know
that we appreciate what they are trying to do.
Manitoba's public utilities watchdog is taking the provincial public insurer to court over its refusal to
reveal information about some of its product lines.
The Public Utilities Board, select other consumer-advocate organizations and Manitoba Public Insurance
appeared in front of Manitoba's Court of Appeal Monday.
The PUB wants the appeals court to compel MPI to release internal financial information about insurance
products the Crown corporation sells that compete with products offered by private insurance
companies.
These products include specialty car insurance packages with lower premiums. The PUB believes the
information its seeking has an impact on how basic insurance rates are set in Manitoba.
But MPI is refusing on the basis it believes releasing the information would compromise its business
interests.
"Some of the information that we've declined to provide we really do believe is commercially
confidential," said Marilyn McLaren, MPI's CEO.
"And some of it we believe is the responsibility of other bodies in the governance of the corporation,"
she said.
But consumer groups and the PUB believe consumers are put at a disadvantage due to the lack of
disclosure.
"We really believe that it is important for consumers to have adequate information — so that they can
participate in policy-making for the marketplace," said Gloria Desourcy of the Consumers Association
of Canada.
McLaren added that the public insurer already releases financial information on its Autopac line of auto
insurance and does a good job of disclosing the information it can.
Hearings will continue Tuesday at Winnipeg's Law Courts complex.
MPI is in the hot seat, landing in court. Consumer groups want Manitoba's only auto insurance company
to open the books and reveal how much it earns, and where the money goes.
It's a move to make MPI prove you're getting a fair deal on insurance.
"When we're talking about just and reasonable rates for basic auto insurance, it's not an option for the
average Joe," says Gloria Desorcy, Executive Director for Consumers Association of Canada, Manitoba
Chapter.
"It's something they must purchase," she says.
The Consumers Association of Canada, CAA Manitoba, and Manitoba Society of Seniors are supporting
the Public Utilities Board's decision to take MPI to Manitoba Court of Appeals to settle a long time
dispute.
"We chose to participate as interveners in this process," says Desorcy.
The PUB is in charge of setting basic auto insurance rates every year, but it says it can't do its job
because it doesn't have all of the needed information.
The board argues that it in order to ensure Manitobans are getting a fair rate, it needs MPI to open the
books on all its financial records-including those from competitive lines of business.
MPI says it already releases financial information on Autopac rates but refuses to disclose information
about its competitive lines of business because it could hurt the industry.
"Some of the information we've declined to provide we really do believe is commercially confidential,"
says Marilyn McLaren, CEO Manitoba Public Insurance.
MPI argues that not all of its services are regulated by the province. It claims some premiums are offered
by other insurance companies.
"MPI works really hard to be as transparent as much as we possibly can," says McLaren.
The hearing continues Tuesday but a decision from the appeals court could take months.
wayne
January 11, 2011 9:27:29 AM
There are a coupls stories on CBC so write and have your say. One is two girls
were killed by a stolen vehicle and MPI is sueing the guy for $9000 in a civil
case. We are not even allowed to sue if your own children are killed. I highly
encourage you to post comments on CBC.
Adrian
January 10, 2011 10:12:52 PM
For anyone who missed the short story on global TV just now. The Public
Utilities Board in Manitoba along with several other organizations are currently
in the process of taking Manitoba Public Insurance to court in a class action
lawsuit to force the Corporation to open their books to the public and show
where they're spending their money. People are opening their eyes and it's time
for change.
Unfortunatelly I looked for a link to a news article online but could not find
one but if I find one in the next few days as I figure it'll show up I will link it.
Wayne
January 8, 2011 11:33:11 PM
Thanks to all who came out to the MVA Support Group meeting today. Especially
to the new members. I sincerely believe as long as we work together, we'll get
results.
jordan
January 7, 2011 11:39:45 AM
go $%!#* yourselves mpi
Adrian
January 6, 2011 10:37:14 PM
Also just to throw it out there for anyone attending the meeting, if you have
any completed petition pages, please bring them to the meeting as it will be
easier to collect them there then to have them mailed in. Nowhere near the end
February deadline I was hoping for, but it will just make things easier in case
there is a longer break before our next meeting after this.
Hope to see you all there.
Wayne
January 6, 2011 5:58:07 PM
Sorry if my last post was confusing, let me clarify. An MLA IS NOT coming to
my house for our group meeting. They have asked for a meeting with me to put
forward what changes our group would like to see. After our MVA group meeting,
Adrian and I will go to the meeting at the legislature as the groups
representatives. Sorry that I confused people, but the group meeting this
saturday is very important. I hope that someday our support group can represent
every claimant. I have come to realise that this may be a very slow process,
but we have to keep plugging away. Hope to see some new members this saturday.
Against MPI
January 6, 2011 12:17:20 PM
Yes, I agree. People should be coming forward so that they can state their own
situation as proof of how corrupt MPI is. If some of you don't want to come
forward, please don't keep complaining. Complaining won't get you anywhere. We
need to take action. If you don't want to get involved because you have given
up on your own fight, what will you say when a loved one of yours is injured or
killed and MPI screws them over like they have screwed all of us over? Don't
think for a minute MPI is on any of our sides. I have experienced 5 MVA's with
a total of 4 written off vehicles and MPI has lied, delayed and cheated me in
all 5 of my claims. They operate in such a manner that people just can't claim
anything. They drag a claim out forever, they swamp everyone in unnecessary
paperwork - most people walk away in frustration or they deny a claim as fast
as they can. The claim then goes to the internal review level quickly not
giving the claimant enough time to gather the information they need to win but
all along MPI won't tell them what paperwork the claimant needs to get. Most
claimants lose their appeals and are then forced into the Appeal Commission
level which is generally a denial as well because they are all paid gov't
employees. Let's face it, we need to stop them and we can only do it as a
strong and determined group. Some of you are too injured to attend but I am
sure someone can attend meetings in your place. All your stories are important.
Wayne
January 5, 2011 10:18:54 PM
Okay folks, it's crunch time. If you are one of the people that has been
sitting on the fence, it's time to come to a meeting, and show our numbers. A
meeting is in the works with a member of the legislature. They have expressed
an interest in hearing our thoughts on what needs to be changed with MPI. The
MVA group is looking to have a meeting this saturday, so if you were not at the
last meeting, but wish to come to this one, contact me at
waynefranklin@mts.net or an email to Adrian at The Motor Vehicle Accident
Group. There is a link further down on this blog. Once you have contacted me, I
will let you know the specific time and place of the meeting. And I understand
some peoples concerns with coming forward, that is why the meeting time and
place will not be posted on any sites. Also, as a precaution, I would like to
contact people by phone for the meeting.
Even if you are just interested in coming out and talking to people who are in
the same situation, please do. Just know that you are not alone. We need to
come together to let the NDP know that what they are doing is unacceptable, and
extend our hands to the possible (hopefully) new party that will be running our
province this year.
I sincerely hope to see you this saturday.
Littlemissupset
January 5, 2011 10:59:09 AM
Hi! I had an accident last year in september my van was written off . I was confident i was running
on a green light on harrow and corydon . I was t-boned on the passenger's side. The thing is i
didn't get the witnes info coz i was so shocked so i told mpi that i'll wait for the police report coz i
saw the witness being interviewd by the 911 crew or police ... I just got a letter this morning saying
that i was 100% respnsible of the accident. I was just so upset because i know it's not true .. It
says i can make an appeal but how can i do that i don't even have a witness. Im so disappointed ,
after waiting for almost 4 months hoping that my name would be cleared that's what i would get.
Please give me some advice or any similar stories here... Thanks
ANARCHY
January 2, 2011 10:19:23 PM
ANARCHY
jd
January 2, 2011 7:16:48 PM
why cant anybody investigate autopac because its a goverment mafia rip off not
even the city police or the rcmp will touch them they are protected by law. cant
take them to court and you dont even have another choice for insurence dosent make
sense at all.
papa bear
January 2, 2011 2:43:07 PM
@ panda. wasn't getting off topic. was just commenting on your comments below
about write off vehicles.
IF PEOPLE BUYING A VEHICLE WANT TO KNOW IF THE VEHICLE WAS A WRITE OFF LOOK
FOR "REBUILD" ON THE TOD OR CALL MPI WITH THE VIN AND THEY CAN TELL YOU. IF YOU
DON'T FEEL COMFORTABLE BUYING THE VEHICLE THEN WALK AWAY. THANX.
panda
January 1, 2011 10:02:02 AM
@ p.b.: You are going off track, here on site most individuals are presenting
their bad experience in dealing with MPI.
It has already been known to those, who have unfairly been treated with their
claims, due to misuse of power and monopoly on the part of MPI.
The point is this, that dissatisfied claimant find it hard to get justice, even
by dealing right up to the Appeal Commission. So an ordinary individual with
limited resources find it almost impossible to be heard fairly.
There are lots of examples of Manitobans, who have been trying to find fairness
from MPI, for a long period of time, but have not yet got anywhere. That is the
reason there is recently a group been formed to raise awareness to many of
dissatisfied with their claims.
This is very important to stand up for constitutional civil rights, no matter
how many obstacles come in one's way. If someone is standing up for genuine
cause, then sooner or later will find relief for one's sufferings.
papa bear
January 1, 2011 12:03:14 AM
so what's the point then panda? They are suspended &/or revoked from doing any
body integrities if caught. There are bad apples in everything. If you want to
know if the vehicle you are buying was a write off then look for the
word "REBUILD" on the TOD/registration papers. A little knowlage goes a long
way. MAybe you should look into things before spreading fear and assumtions.
