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| Mary Ann | December 31, 2012 3:54:56 PM |
Davy, you are right...I forgot to mention that I had a 97 chevy venture and
through private insurance in Ontario full coverage (excluding glass) was
$760.00/year.
My 2010 Honda is $1100.00 full coverage (excluding glass)...I added more
med/rehab and caregiver coverage which is an additional $185.00 for the year.
That should go down each year I remain claims free. |
|
| Mary Ann | December 31, 2012 3:49:42 PM |
I think it needs to be said again, that MPI is a monopolized provincial
bureaucratic government crown corporation. It is the provincial gov't...the
people running this corporation such as Mr. Swan, works for YOU the people of
Manitoba!!
Those premiums or high rates paid out annually on "insurance" should be a
provincial tax credit!! It's obviously not only used for claims benefits...any
excess in revenue are spent on provincial entities and/or given back in
rebates. |
|
| DAVY | December 31, 2012 2:25:49 PM |
| Manitoba has the third highest rates in the country , ten years ago rates we
were in the middle of the pack . My wifes 09 Honda van without a merit discount
is 2300 hundred for the year . My 92 celica with full discount is 1100 for the
year . After i beat then in court and while my father was on his death bed ,
they blackmailed me for my drivers licence . Nice eh . Remember people this is
an insurance company nothing more ,we have allowed them to get this big and
powerful . Now is the time for us to rise up , and tell our MLA s that all we
want is choice with our primary insurance !If MPIC is so great they will not
have a problem filling their coffers for projects like Daycares for their
employees . They have almost TWO THOUSAND EMPLOYEES with an average wage of
65,000 DOLLARS ! OVER 20 Lawyers and over twenty ex police officers . |
|
| Davy | December 31, 2012 1:43:53 PM |
| All mpic wants to do is increase the size of their monopoly . This way they can
hire family and relatives some of which would have a hard time working at
Mcdonalds .It is time to plan a protest at leg in spring and put pressure on
this gov to take action . Mr swan is not smart enough to protect the public
from these bullies . Lets not forget he took bribes from MPIC in the past . A
justice minister should know to do that ! |
|
| Tom | December 30, 2012 7:48:58 PM |
| I know how difficult MPI can be to deal with, you will never get a straight
answer. I found that for medical requirement it was best to go straight to the
Dr., get a prescription for what you need, purchase the items then submit the
bill for payment. This approach is much better than asking MPI for permission
first. If they deny payment then simply ask for a decision letter and go through
the appeal process, fight the bast ards all the way! It cost them about 10,000
bucks to see an appeal to the automobile commission!
Notice in the last AG report that she questioned the fact that injured persons
who don't score 9 points can't get reimbursed for snow removal and yard care,
she stated that could cause people who are unable physically to do the chore
regardless and this may in fact prolong their recovery. In the last month I have
spoken to 2 people who have received payments for snow removal. This issue is personal for me as I took mpi the the automobile commission over this issue
about a year ago and the issue is ongoing with another appearance before the
commission in the near future.
BEST advise I can give is gripe YES, but back it up with FIGHT! don't take NO
for an answer, as I said in a previous post they are corrupt! |
|
| Tom | December 30, 2012 7:29:34 PM |
| My comment is to John, I never wish anyone harm, BUT for you you I hope you get
injured in a MVA some people have to experience to learn, what a fool!!!! |
|
| Mary Ann | December 23, 2012 6:49:05 PM |
Hi Farren, it's obvious John knows nothing of the processes of MPI. It's easier
for people to express an attitude that anyone injured in an MVA that we all are
committing fraud. Same attitued as MPI. Anyone witnessing an accident take
place or someone being injured in an accident or has even helped someone at an
MVA site has a feeling of empathy and hope the person gets well.
However, even though there are plenty of adminstrative issues at MPI; only
those injured will experience the abuse by MPI when they're fighting for
survival.
Today marks the 8th year since my daughter's life was taken from her. She is
now 27. Her survival continues in a body that she wasn't born with. The
daughter I raised is now challenged with many disabilities for the rest of her
being.
Anyone wanting to express "GET OVER IT" needs a new attitude!! |
|
| Farren | December 23, 2012 2:26:19 PM |
| You All know Me Don't Be So Hard On John He Might Not Know Yet Of M.P.I
And And All The Stuff They Do To The People.
John Look At My Story. At Motor Vehicle Accident Support Group THEN TELL ME.
Farren Paradis. Thank You.. |
|
| Carmen | December 21, 2012 6:16:50 PM |
| Honestly, I never in my whole life I felt the helpless feeling. I got into an
accident in April 08, besides loosing my independence because I broke my back
spinal cord injury trying to deal with what I have left, it is difficult not
having family and worst friends, I did dedicate my life to my own business as a
woman having a company doing renovations, buying and selling houses and taking
care of my mother with dementia and colitis, I did not had life left to
socialize. I thought many times that I was stress; but now dealing with MPI is
literally a nightmare, this is really stress. I got into a point that I cant
deal with them any more, if it was not for MVA support group that I found
support, Wayne now helping me dealing with MPI, I have so much hate, no to
people, to have to beg for to get approval for refills of meds, homecare, I
cant ware a jacket or anything that is not close to my body asking for several
months for a guard cloth for my wheelchair my list can go on and on and on. If
we are able to gather enough people for this bad faith lawsuit, the last thing
that I want is to stay here, if we can go through with this I will be moving to
a different province where I can choose with the insurance company that I want
to do business with to be stuck with MPI and now, with so many sources out
there even if I get some stem cells and I can gain something some movement or
feeling I am literally screw; MPI will cut me off completely, not thinking
about my health and pain. Do you really want to have this risk, having maybe a
chance to regain something and if you do MPI your insurance company will say
THANKS FOR SAVING US MONEY, now you are on your own!!! I feel trap like a rat! |
|
| DavidT. | December 21, 2012 3:36:22 PM |
| In addition to my very recent posts, (as David) I want to change my name on the
site to DavidT. (I see by reading historical posts that I am not the only
David...and my views do not correspond with the other) |
|
| David | December 21, 2012 3:29:16 PM |
| Hi, John. I have no experience with personal injury claims with MPI. Your
comments about how "cheap" MPI's premiums are did strike a nerve with me because
I have been involved with repair claims for both MPI and private insurers. I
don't even wish to discuss premiums...I'll save that for another post. I want to
discuss something as simple as getting your car back, fixed properly, in a
reasonable time frame. MPI seems to go out of their way to make life as
difficult as possible for both the repair center and the insured. I can say that
on all private insurance claims I have done,the process was seamless and
efficient. I hope you keep reading this blog...In the New Year, I am going to
detail some of these claim processes and how they played out. I do wish to run
them by the webmaster first. |
|
| Mary Ann | December 21, 2012 8:26:29 AM |
Derek, thanks for your input.
Rates in Ontario are based on numbers of claims and categorized. e.g. Young
people pay a high rate because they cause accidents costing money. Adults over
25 start getting breaks on their rates if they remain claims free and have "no
faults" against them. Risky people pay. Defensive drivers get the breaks.
Most importantly, in Ontario, if you are injured and depending on the type of
injury, you will be looked after, and a lawyer will help represent you and
advocate for you so that "bad faith" does not happen.
MPI is a monopolized bureaucratic provincial crown corporation. If people think
city by-laws and provincial politics and services handled by the gov't doesn't
work...well, your driver's license and insurance when needed is legislated the
same way. Your injuries are dealt with politically, not humanly.
People ending up in long term homes, in wheelchairs, or struggling with major
complications due to an MVA suffers because they are now barred from getting on
with their life. There is no one to help these people get what's needed to move
forward in their life. MPI won't let anyone help these people, unless they can
afford to pay a lawyer (and there's no guarantee the lawyer isn't on MPI's
side).
Injured people are stomped on while they're down by an entire provincial gov't.
That wouldn't happen in Ontario.
And, I'm not talking about small claims...I'm talking about long-term, life-
altered injuries that never heal...backs don't heal...brains don't
heal...what's lost is lost. How is MPI guiding and motivating these people in
gaining some sort of grip on a new challenged life? They're not!! It's all
bureaucratic politics!! |
|
| Derek | December 20, 2012 7:50:21 PM |
MPI is an incompetent organization, which is often the case when you are the
only game in town. When the system switched to the 5-year license, I renewed
mine and paid for it. It never arrived. Multiple calls, always reassured it
was coming. Called every few months, always assured, but it never came. Now
they want to charge me again for a replacement. Replacement for what? They
never sent me the first one. What a bunch of drooling clowns.
And to all your folks who are praising MPI for having cheap rates. Those rates
don't just drop out of thin air. MPI is a state insurer and is backed by your
taxes. You ARE paying for that, you just don't realize it. Not only that, but
you are paying for lousy drivers to have cheap insurance as well. You are
subsidizing a significant cost via taxes. So just remember, if you are making a
decent wage, you are paying more of that wage in taxes than you should, so that
somebody who can hardly be bothered to work can have cheap auto insurance.
Fact. |
|
| Mary Ann | December 19, 2012 4:41:37 PM |
John, GO TO $%!# !
You ARE one that MPI doesn't need to fund...just keep paying in though...your
dollars are needed...thanks for the support!! |
|
| Carmen | December 19, 2012 4:01:58 PM |
| John, you have to $%!# ing clue of what are you talking about.
I hope you get into an accident and see how is your life after that.
I could say so much however I dont want to waste my time with someone so
IGNORANT AND $%!# LIKE YOU, I really hope that You $%!# ing $%!# or
someone in your family brakes there back and not able to walk see how you deal
with your $%!# ING MPI. Stupid Ignorant, before you say something READ, EDUCATE
YOURSELF. MORON! |
|
| John | December 19, 2012 12:08:51 PM |
As a Manitoban that has spent the last 10 years in 3 other provinces, I've gotta
say to all you complaining about MPI. GET OVER IT!
Almost every single province in this country pays 2-3 times as much yearly for
insurance, and has to deal with all the same bull that MPI Customers do.
Last year I payed $4200 to insure my truck, when I moved back to Manitoba it
dropped to $1100.
So it makes me curious, just what do you expect? A 100% free ride with 100% top
service that always rules in your favor? Seriously, this is ridiculous. |
|
| A very mad mother of son tthat's being taken advantage | December 18, 2012 7:53:23 PM |
| I am so Frkg ticked off at MPI!!!!I am so dissapointed in MPI!! I raised my
kids to respect the law,and appreciate where we live, Manitoba!!! ect... my son
works in Alberta, sask. He just started there , and commutes every second
weekend back and forth. He had an accident in manitoba . 10 minutes away from
home! as soon as my son said he works out of province , MPI tried to accuse him
of being a resident Of Sask. Alberta. And they refused to pay him his
settlement for his car and injuries, and twisted his words and said he was not
a resident of manitoba. which he has been all his life!!! He just had a job in
sask. They bunged up the report and said he's been working there for a year!
Not!!! He doesnt live there. He was staying there with other kids, sharing a
farm house instead of being in a camp. MPI made sooo many mistakes and twisted
words!!! My son has been paying into Mpi, never missing a payment. He's young
and all this is very depressing and discouraging for him!!
Who are they really????? It really really scares me!!!We pay into MPI but in
the end, you need a damn lawyer to protect your rights against your own
province???? What happened to MPI being there for the people of Manitoba??? |
|
| Tom | December 15, 2012 7:59:39 PM |
| It's not so much that mpi sucks, that is very much and under statement! THEY are
corrupt, have no problem falsifying information on your medical file and when it
comes to rehab they are not interested in anything that cost money! Go speak to
your mla, if anything like mine you may as well talk to the paint on the wall. At
a recent AICAC hearing the judge stated "this is one of the worst cases of bad
customer service I have seen in a long time" none of this fizzes on those
$%!# s! |
|
| pamela johnston | December 15, 2012 4:32:59 PM |
| My sister just moved to MB from Sask. She is in the process of trying to obtain
a driver's lic. in MB. MPI asked for a number of documents to prove her new
residency, and her identity. She complied with everything they asked for. They
refuse to issue her a license because they will not accept a certified copy of
her marriage license from Vital Statistics Ontario....for some reason, which
they refue to divulge. Meantime, so she can look for work, she has been issued
a temporary driver lic., good until Jan, 14, 2013, and paid the requisite
$50.00 fee. She talked to MPI again on Friday, and was told that until she
provides an "äuthentic" original of her marriage lic....no driver's lic. Vit
Stats Ont. does NOT issue any originals, ever! Who can she turn to, where can
she go to get a driver's lic. Her son works for MPI, but she refuses to have
him involved in this issue in any way for fear he will lose his job for
patrimony. MPI is being extremely difficult, and obstinate, and on most
occassions, rude as well. The local office in Swan River seems unable to get
anywhere at all with Winnipeg...what is up with MPI? Can they take my sister's
money and NOT issue her a lic, even though she has supplied all the requisite
documents they demanded? |
|
| Chris | December 14, 2012 4:14:15 PM |
In 2006, I had completed my road test. Since then I have not had any
infractions on my license or been pulled over. Paid my license insurance every
year. After 7 years of flawless driving a couple days ago I bought my first car
and decided to pay my insurance.
She asked me, "Are you still a learner?"
Me: "No, I've been driving for 7 years."
Her: "Well, it says you're a 5L on here, you shouldn't be driving by yourself."
After 7 years of driving with what I thought was full license. It was all
illegal according to MPI and now I'm left facing with a ton of going through
records. I don't believe I have my receipt and they don't have it in the
system.
I will have to do another road test again.
Thoughts? |
|
| David | December 13, 2012 2:06:19 PM |
In addition to my previous post,his comment I cut and pasted deserves to be read
again.
Until one has to deal with MPI concerning an injury, they tend to feel as you
indicated, i.e. MPI is no worse than other insurances, and is often better. As
far as their premiums are concerned, if you are a driver with lots of demerits,
or a young driver, you'll probably be happy with MPI, because they will sell you
auto insurance at a rate you can afford. They can do that because all the good,
no-claim drivers subsidize these high risk drivers through higher rates. Some of
those responses to your comments have said as much. From personal experience, my
20 year old Chevy that cost $931 to insure in Manitoba, cost $350 in Alberta for
$2M PLPD but no collision. You claim MPI premiums are good, but a decade ago,
MPI collected $27M in excess of the proper premiums, and was about to quietly
divy it up between the Universities until such a din was raised, that the excess
was returned to policy holders. It happened again during the last couple of
years and they were forced by PUB to return some of that money to those that
overpaid. None of this even compares to what MPI does to those injured in auto
accidents. There are more than 5 years of such stories archived on this site. So
Dave, to answer your question (yes I know you didn't ask one) MPI really does suck! |
|
| David | December 13, 2012 2:00:04 PM |
I hope all you folks won't mind me sharing my experience with MPI. Unlike
many here, I have not had the misfortune to have to deal with MPI for personal
injury claims. I just want to share my experience dealing with MPI as an auto
repairer.
MPI SUCKS! They are absolutely not interested in repairing your vehicle to
a proper safe state, or in a timely manner. Unless your vehicle is under one
year old, you WILL get used parts. I now own my own shop. I had to deal with MPI
repairs as a dealership technician, but now as an owner I flatly refuse any MPI
work. In contrast, we did get some private insurance claims from Ontario,
Alberta, etc. The private insurer paid for new parts after sending out a
qualified independent adjuster of their choosing, and the repair was completed
in a proper, timely manner, with none of the MPI hassles. I'd like private
insurers allowed to compete with MPI...it would not be long before MPI went the
way of the Dodo! Poor service, poor quality repairs, poor personal injury
protection, ridiculously high insurance rates on many vehicles...MPI has little
to offer that is commendable. |
|
| JLen | December 11, 2012 2:35:48 PM |
| I had pretty bad service at the St. Vital Location. They needed a receipt of my
transaction and they failed to give me one. Luckily I printed out my bank
statement. |
|
| Meg | December 11, 2012 2:32:41 PM |
So I switched my credit card over and went in to my local branch to switch the
card number. The girl at the desk told me all this information and said she
switched it. In the mean time I was out of province working and just recently
came home. Come to find out that she didn't switch anything over and that I
wasn't covered under MPI for the past few months!
I would like to know where they hire some of these lovely individuals. Their
customer service is some of the worst I have seen! Now my insurance has gone up
and they have 0 liability!
Just seems like another way Manitoba is funneling money through vehicles and not
accounting for customer visits and inquiries to their locations.
Quite frankly I would prefer having non-public insurance; at least there is a
chance of getting a good price from competing sources; and at least they are
competing for your business (which means good service). |
|
| wayne | December 9, 2012 5:46:36 PM |
| Sorry. Waynefranklin@mts.net. |
|
| brent andres | December 9, 2012 11:02:26 AM |
| why is it that i got hit by a car.not bady on main st.in selkirk.the cops did
noting but my leg still mbugs me and no one will help? |
|
| Mary Ann | December 8, 2012 10:23:39 AM |
Anyone interested in joining the MVA Group MUST send an email directly to Wayne
or through the link above.
This site is for information purposes and venting only.
If you suffer injuries that are long-term, life-long and/or life altered then
you need to join the group! If these injuries have torn the family apart, left
you bankrupt, or medically in debt so you can live through the day...JOIN the
GROUP!! |
|
| wayne | December 8, 2012 9:01:47 AM |
| Send me an email at waynefraklin@mts.net and we'll talk about the meeting. |
|
| mike | December 7, 2012 10:34:23 AM |
| Where and when does this group meet? I got hit by a texter, and now I've lost my
business......and they want to "retrain" me....Ppphhhhhttttt !!!!!!! |
|
| wayne | December 4, 2012 10:30:05 PM |
| Sorry for killing your blog...having too many in person meetings |
|
| wayne | November 15, 2012 7:46:14 AM |
| yup, you're always welcome to join the group kevein...that's how we organise
things as a group. There have been too many people on this site over the years
calling for rallies, when they didn't know anyone else. We're the place to be
if you want to fight MPI. |
|
| Mary Ann | November 7, 2012 12:46:57 PM |
@ Kevin
Join the MVA group by sending an email through the link above.
We are growing stronger every day...so don't hesitate! The bigger the group,
the louder our voices. Injured people are tired of being bullied and kicked to
the curb. |
|
| Kevin | November 7, 2012 11:56:25 AM |
To all the people on this site,if you really want to do something about MPI
let's protest at the legislative building,MPI or Human rights museum..
If we held up work being done(stopping trucks..etc..) because of lack of human
rights.... tv news teams,news papers would show up to cover the news......in
the USA they do this type of protesting everyday,,maybe we just don't have the
guts.....LET'S GET TOGETHER PEOPLE....time to get out of the house and actually
do something about MPI
it's our time to bully MPI
why are we being forced to only have MPI for insurance?? it's against the
canmadian constitution...
let's get rid of MPI or at least have every person get a full body MRI when
they get a licence and every 5 years after! it would save alot of argument..
Was hit by DRUNK driver 2009 still fighting MPI!! they say it's a previous
condition...that is not the case...please let's all rally together and do
something about them. |
|
| wayne | November 2, 2012 2:38:42 PM |
| well said. Anyone that thinks rates are cheaper here than with private
insurance just shows how brain washed they are. Rates here are almost double
what private is in other provinces.
And I think Mary Ann hit on everything else...lol |
|
| Mary Ann | November 1, 2012 11:29:56 PM |
Thank you Webmaster :) I wasn't trying to be rude to VSIB; perhaps, the entire
idea or point could have been summed up, rather than adding all those T or F.
I'm trying to provide information, through experience, from both the private
and public insurance sectors. People should know these things as they are lead
to believe things that are simply an illusion. I also want people to know that
they are not alone on many of the issues they experience with MPI, even if it
is only one person. MPI employees will tell you to your face, how good MPI is,
much like a salesman trying to sell you a product.
So, just one more comment with regards to David's comment below.
He has referred to lawyers being blood sucking money grabbers and states that
MPI has cut out the middle man which makes sense.
What doesn't make sense David, is that MPI pays big bucks for their own "group"
of lawyers in Manitoba and all over Canada. Why do they have a middle man? How
much money is MPI paying out to their very own blood sucking money grabbers
each year?
Why are the weak and injured being ignored?
I forgot to mention that Ontario insurance also assists funding a Rehab case
manager.
MPI won't allow a claimant to have any advocate of any kind outside MPI's
boundary. They will offer a claims advisor - biased and bound to MPI just as
any doctor they hire or any representative they hire.
In Ontario, a rehab case manager assists a claimant through the rehab process
and oversees the therapists' roles in that regard. Just to set the record
straight, a rehab case manager is very different from MPI's case manager. A
rehab case manager plays a vital role throughout a claimant's recovery from
hospital to getting back into society and the work force, depending on the
injury. The rehab case manager is also very important in reporting to the
lawyer as a team leader within rehab. This is needed for court.
MPI will not allow or fund any legal or professional representative to advocate
on behalf of a claimant because these professionals will cost the corporation
money through requests for benefits; therefore, the claimant must advocate and
represent themselves.
I advocate on my daughter's behalf as a mother with Power of Attorney. I can
fight for everything I possibly can and I'll be damned if I'm going to sit and
watch MPI force my daughter into a corner to rot.
So, in summation, David your little paragraph received a lot of information on
the rebound. I hope my opening up the truths has helped. |
|
| Oxy_u Webmaster | November 1, 2012 5:20:14 PM |
| David:
Until one has to deal with MPI concerning an injury, they tend to feel as you
indicated, i.e. MPI is no worse than other insurances, and is often better. As
far as their premiums are concerned, if you are a driver with lots of demerits,
or a young driver, you'll probably be happy with MPI, because they will sell
you auto insurance at a rate you can afford. They can do that because all the
good, no-claim drivers subsidize these high risk drivers through higher rates.
Some of those responses to your comments have said as much. From personal
experience, my 20 year old Chevy that cost $931 to insure in Manitoba, cost
$350 in Alberta for $2M PLPD but no collision. You claim MPI premiums are good,
but a decade ago, MPI collected $27M in excess of the proper premiums, and was
about to quietly divy it up between the Universities until such a din was
raised, that the excess was returned to policy holders. It happened again
during the last couple of years and they were forced by PUB to return some of
that money to those that overpaid. None of this even compares to what MPI does
to those injured in auto accidents. There are more than 5 years of such
stories archived on this site. So Dave, to answer your question (yes I know you
didn't ask one) MPI really does suck! |
|
| garik | November 1, 2012 10:29:22 AM |
| MPI is playing dirty on me and need some advice please. I make the story short, i was rear
ended, they did investigation on me, did not want to provide me with rental car, been ignorant to
me and now a bug dispute about my written off car. They dont want to give me more then 4500
for a car thats for 11000 all over the net with much higher milages. I got an arbitraitor but they
cant agree. I was wondering if i can go to small claims court with that? I am having teouble
wuthevery single claim with them. Please email me at chort_forever@msn.com thank you. |
|
| Mary Ann | November 1, 2012 7:18:23 AM |
Again, in response to David,
Private insurance you say is a far cry from what exists in Manitoba?
You have no idea, do you? Private insurance, just like MPI, offers with
limitations (depending on a person's policy - we insure ourselves, we want more
med/rehab, we purchase more, if we want a higher liability - we purchase more -
at a lower rate than MPI)
A lawyer will help an injured person access from the Private insurer:
- med/rehab
- personal care (maximum is approx $6,000.00/month)
- income replacement
- permanent impairment
- tort(pain and suffering, out-of-pocket expenses, assistance to lawyer's fees)
- liability (yes, you sue in Ontario for losses and a lawyer guides you through
because they know your rights and what you have access to)
Ontario private systems offer the same basics that MPI does, except private
systems also offer over and above the basics which include the tort and
liability because you sue. If a person survives an accident, they have to learn
to live again. Financial support is there for that reason and it's called
liability.
MPI can't be sued, but they will sue for their money back. They won't hesitate
in putting a person in bankruptcy or force someone to lose everything they
have.
MPI got rid of the tort meaning that their bureaucratic processes are no longer
challenged by the law. An injured person has to become their own lawyer in
researching the legislation and regulations and learning what they are even
entitled to because the adjusters won't tell you and their PIPP guide explains
nothing!! AN INJURED PERSON SHOULD NOT HAVE TO DO THAT!!
And, don't get me started with their medical processes.
Like I've said, I've learned to play hard ball. |
|
| Mary Ann | October 31, 2012 11:23:11 PM |
David, I could go on and on because I have nearly 8 years experience dealing
with MPI and I would pay twice the price for insurance to keep the private
competition alive in Ontario. Why? Because there is no way I could have been
able to do what I've done on my daughter's behalf if I didn't have the help
from the lawyer that will get paid through the tort.
MPIC plays dirty...and let me tell you...I've learned how to play hard ball,
but I'm not the one that's injured.
So, imagine being severely injured, (take a plate and place it in a plastic
bag...This is your "life"...now smash it...what's left? A bunch of little
pieces that have to be put back together...it's going to take a long time
getting each little piece back in it's original spot...some pieces will never
fit together ever again...so in the meantime while you are trying to fit things
back together...there's no more glue and there's no money to get more...now
what? now prove that you "need" the glue because you have been trying so hard
getting your "life" back together, and the hand holding the money says...prove
it...then they say no, our doctors think your "life" is pretty good where it
is...you'll have to live with it that way.)
That's a simple scenario...MPI will - lie to you, share personal info without
consent, withhold info, terminate/suspend benefits, threaten benefits, make up
rules as they go along...they just simply play dirty and I have it all in
writing!!! |
|
| Mary Ann | October 31, 2012 10:55:31 PM |
@ David,
Unless you've been catastrophically injured and have experienced the direct
nefarious treatment and attacks imposed on you by MPIC, you will NOT know how
MPIC works. If you work for MPIC, then you have obviously been brain washed to
believe in a system that attacks the weak and injured. If those weak and
injured people were dogs the SPCA would have MPIC's adjusters charged and
jailed for neglect and cruelty!!
In the private system, Lawyers CANNOT take an hourly cut on any injury claim in
Ontario...they work on a contingency basis and it is the COURT that decides
what they get paid.
I have experience from both private and public sectors, so don't talk about
something unless you know what it is you are talking about. Lawyers do the
dirty work representing a person trying to strive in a life that has been
completely altered and keeps the adjusters from bad faith in the private system
because the law is on your side and MUST go through the court system!!
Although she survives, my daughter's life has been completely taken from her.
She will never gain the ability or ever have the opportunity to re-educate
herself, compete for employment, or have the life she started out with. My life
changed and my freedom taken away due to having to provide 24/7 care and
supervision after she had already had an independent life of her own. I had to
forfeit my studies and prepare to provide 24/7 care - medically, physically,
cognitively. You have no idea what life is like for someone in this situation.
I have had to protect from MPIC. If they had their way, she'd be
institutionalized.
MPIC suspended benefits and forced my daughter into further suffering while she
was in a COMA due to their paperwork that she could not sign. She desperately
needed splints for her elbows and wrists because spasticity and calcification
build up was forcing them closed. I couldn't even pry her forearms and fingers
open. MPIC declined to assist her with rehabilitative devices. Instead they
impeded her recovery and rehabilitation - a complete neglect of Section 138 of
the legislation!!
If you think a socialist bureaucratic government-run crown corporation's
services are going to stand behind you, then go ahead and be brain washed.
Ontario's private insurance offers healthy competition throughout the province
and is 1/3 cheaper. Just for example, I paid approx. $760.00/yr to Wawanesa
(and yes that's Wawanesa, Manitoba - because they can sell insurance privately
outside Manitoba) in 2010 for full coverage on a 1997 chevy van...I have just
recently given that van to a relative in Manitoba and they are paying approx.
$1100.00/yr to MPIC. It's a 15 year old van with no worth. Where do you see the
higher price in this comparison - Ontario or Manitoba?
My premium on a 2010 Honda Odyssey is under 1100.00/yr full-coverage.
I don't expect the world, but I expect assistance, support, and coverage for
losses incurred from an accident when insurance premiums are paid for such!!
When a house burns, it is replaced through insurance. When a human is
tragically, traumatically, and catastrophically injured I expect the help
needed to live in a world that has been altered and changed forever. MPIC will
create barriers and make your life even more difficult to live.
MPI DOES SUCK!!! |
|
| David | October 31, 2012 8:20:28 PM |
| I think your website is misguided although has noble intentions. Yes it is
probably true that MPIC does not cover every single thing that could possibly
happen, however, any private insurance company would be a far cry from what
currently exists in Manitoba. Any extra compensation for injury or pain and
suffering that private insurance could provide would surely be paid for with
higher rates for the consumer. As far as class action lawsuits go most of what
gets paid for compensation goes towards paying the greedy, blood sucking lawyers
who make money win or lose. MPIC cut the middle man out. That makes sense and
does not actually suck. |
|
| Mary Ann | October 29, 2012 8:32:56 PM |
To Ms. B
Please click on "Motor Vehicle Accident Support Group" icon just above this
comment and send an email; or contact Wayne. If you scroll down a few comments
you will find his contact info as well.
What MPI is doing to you, is nothing new and is "routine" - government
bureaucracy.
I would love to have every claimant perform a simple task - request the
qualifications and background medical experiences (resume's/curricular vitaes)
of all their adjusters and their supervisors. All claimants deserve and should
have access to the experience and qualifications of their adjuster or claim
advisor handling and making injury/medical decisions.
Don't be surprised or shocked by the response you get; regardless of that, a
claimant has every right to have that info. |
|
| Ms B | October 29, 2012 12:53:41 PM |
| I have been feuding with MPI for what seems like forever ( 15 years now ) I was injured at a young
age and they have been involved with every major decision in my life. Now they are booking
appointments at rehab centers and NOT telling me why I am going. They have denied items I need
to function yet have money to pay for expensive opinions that support the decisions they make. Who
is out there to help the victims? |
|
| wayne | October 21, 2012 10:47:38 AM |
| @ Jennifer...I would like to hear your story. There are a few lawyers out
there, but when you hire a lawyer, you are paying money out, with no return.
Part of our great insurance system here that is forced upon us. If your
condition and health are getting worse, I would love to have your name for an
eventual class action lawsuit. MPI claims advisers want to keep breaking the
law, and the government wants to keep allowing them to do so, until we make it
stop. We owe it to ourselves, and to any future claimants. |
|
| wayne | October 21, 2012 10:40:40 AM |
| I fully understand the outpouring of concern for Amanda Todd, as I am right
there with them. The public backlash against bullying, yet, what is different
with what MPI and the provincial government does with their disabled claimants?
Do they not bully, harass, and even have heard stories of them laughing at
their disabled claimants. What is the difference?
I strongly encourage people to start lodging complaints with the ombudsman. It
might seem useless but it shows on the public record, and with high numbers of
complaints, it is a little harder for the NDP to sweep under the rug. I have
read the minutes from these meetings, and the number of complaints is always
brought up. Swan uses the low number to show that people are happy with
MPI..pathetic. |
|
| Mary Ann | October 19, 2012 2:58:33 PM |
@ Jennifer...I hear you...please get in touch with Wayne...his email is just a
few comments below
Anyone with similar issues and/or problems should contact Wayne through email
or send through the Motor Vehicle Accident Support Group just above on this
page.
Injured survivors should not and don't need this type of run around. It
doesn't take a rocket scientist to know and realize that these types
of "INJURIES" do not heal and make someone the same as they were or even
closeto what they were before the injury.
Most people need to and will have to be retrained at something they may be able
to endure to make a living again, but that funding and support always needs to
be there because aging will catch up and functioning becomes even much more of
a struggle for these people compared to someone who has never been injured. |
|
| Jennifer | October 19, 2012 12:00:32 PM |
| Hi I have been dealing with mpi since may 2011 due to an accident that i was
involved in when a i was t boned in an intersecton and since then have not been
able to fully return to work and since feb 2012 have not been able to work at
all due to the injuries and the fact that going back to work made my injuries
worse even thou it was part time reason being i am or was a hairstylist and my
injury was to my shoulder and neck. they have had me in physio & chiro since
the accident first chiro did NOTHING then physio @ some bs clinic and then
another physio place which i had relief and was able to function almost normal
for 2 days then had to return but they pulled me out and sent my to this work
harding program in wpg and it has made me soooooooo much worse and my
depression and axiety is even worse again and im so sick of it and just want to
be done with the run around i have asked to be retrained and they wont even
consider it till this program is done and by the time im done ill have been
there 16 weeks! the pain is unbearable after just two hours there and they wont
listen! how do i make them listen? i just want to be retrained! how can i do
that? if i have to get a lawyer can anyone recommend a good one??!! PLEASE HELP! |
|
| bill | October 19, 2012 12:19:00 AM |
| manitoba public insurance is the cause of most motorcycle accidents in
manitoba , the reason is , winnipeg has the highest motorcycle insurance in
north america , so we have far less motorcycles on the road do the the cost of
insurance , the average drive never gets to see a normal amount of
motorcycles , which makes the average driver not even look for motorcycles ,
manitoba public insurance has trained the average driver not to look for
motorcycles |
|
| Wayne | October 16, 2012 11:28:00 AM |
| I think the main thing is remembering to stick together and bringing more
people into the fold. Individually we can't do much, but as a group, we provide
corroboration against doctors, claims advisers and MPI as a whole.
I can be contacted at waynefranklin@mts.net |
|
| Mary Ann | October 14, 2012 5:29:56 PM |
Again, my daughter suffered catastrophic injuries caused from a MVA. She will
never work, or go back to school, or live on her own, or do what teenagers
usually set out in life to do at 19.
FYI
MPI hired an external case manager for my daughter whom was a registered OT in
Manitoba. She couldn't perform her "duties by virue of her skill set" because
she was limited and bound by MPI not to perform or use her OT skills.
A Chiropractor provided me with so much info on how corrupt their process
is...he put my daughter at risk for injury by his "blind opinion" because he
has never met my daughter.
INSURANCE and the BUREAUCRATIC system is THAT BAD IN MANITOBA!!! I will
someday "prove" how bad it is from the beginning of a claim to the very end as
I have experience from both sides of the spectrum. Private Auto Insurance vs
Public AutoPac |
|
| Mary Ann | October 14, 2012 5:17:17 PM |
Dr. Mintz is not the only doctor or registered professional that has done that.
Every single registered professional hired by MPI does this and it should be
illegal. What needs to be found are the agreements between MPI and these people
providing "blind opinions".
I have many comments on this site explaining that registered professionals are
providing "blind opinions" and MPI are providing the prescription (prescription
meaning IRI, and any other benefits provided and/or denied.
This is an outrage going on by the bureaucrats in your province!!
It is against the registered colleges of these professionals to bind themselves
to MPI's regulations and not the college and registered code of ethics. But to
prove these things the "agreement" between them and MPI need to found and
released to the public. |
|
| Ed Hunter | October 14, 2012 8:14:37 AM |
I am looking for help, Is there anyone, who had DR Mintz test results used to
cancel your IRI . I my case she made mistakes, in her report. She, stated the
testing was inconclusive then, then she made up her opinion, with no facts to
back her up.
I need other cases, were it shows DR Mintz's opinion is control by her pay
check from MPI |
|
| wayne | October 11, 2012 9:58:55 AM |
@ Judith Ann McDermott
Not sure where you work or what exactly you are looking for but you can
contact me at waynefranklin@mts.net I run The MVA Support Group, and am
willing to accept any help at all, or to help out other people.
Wayne Franklin |
|
| oxy_u | October 10, 2012 2:44:09 PM |
to Judith Ann Mcdermott:
Thank you for your very flattering and kind words. Unfortunately we are not
set up as a "News Letter" per se; but more as a forum to allow MPI victims to
publically share experiences/compare notes/glean ideas from other victims. We
are quite happy, however, to allow your comments/analyses on our blog. Alo, I
am sure that those behind the links on this page (Victims Against No Fault and
Motor Vehicle Support Group) would be thrilled to have on their team with your
skills/focus writing talents aiding them in their quest to cause MPI to operate
in a forthright and responsible manner.
Web Master |
|
| Mary Ann | October 10, 2012 1:18:55 PM |
Carmen, you are right and every injured claimant feels the exact same way. You
are not alone! MPI are a pack of wolves and we are the rabbits.
It's frustrating and tiring just trying to figure out how to survive with
what's left after injuries. There is "hope". I have learned to play their game
and the processes have to be followed in the meantime in getting the benefits
needed daily.
My daughter suffers from cognitive and physical impairments from an MVA, and if
I didn't do what I do she would be in a long-term home. I do not talk to them
over the phone. I get everything in writing through email.
This stuff just takes time and I know time is just too long. We will find a way
to beat this somehow someway.
Just don't give up!! |
|
| Carmen | October 10, 2012 10:13:59 AM |
| Yeah, one of the problems is that MPI knowing that they did make no one many
mistakes, they dont accept what they do and the reality is that they dont care.
I am so sick and tired to be fighting with MPI, I hate them with all my guts
and I am hopeless, had lost faith in the system. I feel that I am loosing my
mind for all the stress that I have to deal with. What could we do to fight
back and have responses. The Media is afraid of MPI, The Human Rights dont do
crap. Minister of Justice of MPI, SUCKS! I really dont know who can help us.
I am fighting for my rights and dont know what to do. |
|
| Mary Ann | October 10, 2012 9:20:05 AM |
I feel like I should make my last comment clear.
When MPI says a medical request is not from the injuries sustained in the motor
vehicle collision...I have challenged them to "prove" that it is not. This is
where they get stumped because they simply can't prove it isn't.
When a person is completely healthy and independent in life prior to a
collision and every bit of a person's life is stripped from the injuries, there
is no possible way they can prove otherwise. |
|
| Judith Ann Mcdermott | October 10, 2012 5:18:09 AM |
| I wanted to visit and allow you to know how , very much I loved discovering your web site today. I'd personally consider it a great honor to operate at my workplace and be able to use the tips discussed on your site and also engage in visitors' responses like this. Should a position regarding guest writer become available at your end, please let me know. |
|
| Mary Ann | October 9, 2012 9:39:57 AM |
Lisa you're absolutely correct!!
I guess with what we've been through over 8 years is that our claim has made it
to the last place it can get which is catastrophic claim dept. What I have
found is that I have challenged everything I can. When MPI is challenged
to "prove" that a medical request isn't from the accident and that I require
factual evidence...they get stumped because they won't find it.
It is a job to them and that is it!
We just recently received a request from MPI to sign a consent form to
communicate through email, yet we've been communicating that way for 8 years.
So, I made my own consent form and told them I would sign theirs "after" they
sign mine. They folded and said not to bother with the form. I'm sure they
just wanted to be able to communicate over the phone as they have always wanted
to call me at home. I refuse to talk to them over the phone. Everything has to
be in writing as it has been this entire claim.
I'm sure I come across to them as very bitter...rightfully so, if they looked
through the entire claim, they know they've screwed up and made mistakes. |
|
| Lisa | October 9, 2012 9:07:44 AM |
| To Carl: I have been on short term & now long term disability through my employers plan since Jan
2012. MPI does not help anyone injured get well, they don't like to pay for medically required &
supportive care & worst of all they pretty much refute any medical info. that substantiates your wife's
injuries. Luckily for me my employer stopped accommodating my medical limitations. I had a good
case for STD & LTD. maybe your wife can try her own STD & LTD plan through work based on her
medical restrictions. Her family dr. should help & support her injuries. Unfortunately there is no
guarantee your wife will be successful just on her MVA injuries only. The MVAS support group is a
great way so share stories & get ideas on how to proceed. Unfortunately many members are
struggling with their own medical issues & stress to attend meetings. In order for MPI to
acknowledge their inadequacies & makes changes, we need to do it as a group regardless of how
frustrating it is. MPI makes millions of $$ by not paying for bodily injury claims properly that is why
they can buy pieces if city property & build buildings, donate buildings and all their BS advertising.
Most people don't understand how corrupt really is. Contact Wayne if interested. It is so easy to get
frustrated & give up but MPI is not set up for us the claimants. Good luck to your wife ! |
|
| Mary Ann | October 8, 2012 3:49:19 PM |
@ Carl
I have found in our 8 years of experience with the medical system...don't ask
for advice...see your family doctor and state what you want done. Find your
options and stick with what you feel is best.
Don't back down from the medical system or MPI. They like passive people who
just give up instantly. |
|
| Carl T | October 8, 2012 12:34:48 PM |
| OK I am seeking advise. My wife has been off work for 29 months now. She is
forced to attend physiotherapy even though when she does it only puts here in
increased pain, nominees and more pain killers. If she quits then her benefit
checks end and her claim is over. We believe she has more specific injuries
(pinched nerves/dislocated ribs)that Physiotherapy will not fix. When asked the
DR of Physio he says 'but a CT scan is equivalent to 65 x-rays and we don't want
to expose you to that needlessly!' Now I think they just don't want the expense!
Does her family doctor override the physiotherapist doctor if he feels physio is
not working, and what happens to her claim if he does? Can our family doctor
order the MRI or CT scan to prove or disprove our therapy? |
|
| Carmen | September 24, 2012 8:55:54 AM |
| Hi Wayne, I did not see any page on facebook, please send me the link then, i
only found this one, about the stickers, i would love to get one or more, if
you have, please let me know when i can pick them up, dont mind to pay for it.
I want to help, tell me what to do. spkinghere@yahoo.ca my cell 997-6750, i did
also sent you an email. Thanks Carmen |
|
| Wayne | September 21, 2012 9:11:19 PM |
| @Carmen...we're way ahead of you on this one. That is why there is a link for
the MVA Support Group on the MPI sucks site. If you want to join the group
email me at waynefranklin@mts.net Did you email our group and not get a
response? I'm sure Farren is checking our inbox with some regularity. |
|
| Carmen | September 21, 2012 9:09:37 AM |
| Hi, I love this site because we can see here so much reality and overal... that
I am not the only one dealing with this situation, in my case is going for a
long term until MPI kills me of frustration, upset. For those who would also
make your voice even more noticible, please check also on Facebook, same name
mpisucks.com is the name of facebook page, so we can also show to the comunity,
some of them know and some other people dont even have a clue, like I did not
had any idea, otherwise I will be moving to a different province where I can
choose my own insurance company, where I can sue if the case be; but no to be
bully around like I have to be with MPI, they stop taking your calls, returning
emails, they have all the power and the only way we can do something about it
is at least get together and fight together; but alone wont do any damage.
please login and place your commets there as well.
Thanks to all. |
|
| Carmen | September 19, 2012 9:46:03 AM |
| Got some renovations done by MPI, the contractor hired by MPI broke many things
at my place, also powers tools are missing, police was involved, my OAK kit and
one of the batroom cabinets, were replaced with laminate, does not match with
what I have at home, we talk in keeping my cabinets on top the kit is not
suitable for wheelchair, I will invite anyone who wants to come to my place to
see it. MPI does not want to be responsable for all the things that happen at
my place, i did not hired the contractor, i cant do anything with him, the
minister of justice does not do $%!# neither, telling me keep talking to your
case manager when the case manager SHAUNA NEISER does not even respond my
emails or phone calls. I am paying for car insurance, i broke my back spinal
cord injury and now the OT from MPI Angie Maidment from TherapyFirst is telling
me to cut my own grass, in one acre property, i cant even use my power
wheelchair around my property the wheels sick and i get stuck, i have a hand
cycle that i cant use because i dont have anyone to assist me and this stupid
people wants me to cut my own grass, just because your becoming an expense to
them. Why we have to cross our arms and do nothing??? why they have all the
power. I would like to make on my own some windows stickers with the name of
this site, if I can do that i pay on my own, not asking for money i would like
people to have them in there car so when you drive we can show this site that
no to many people know of. |
|
| Lisa | September 14, 2012 12:56:27 PM |
| To Done: there is really no where to go to fight MPi on your own. The MVAS Support Group is
there for support & are developing a plan as a large group to take on the gov't. My recommendation
would be to contact the group & come to meetings. You might find helpful information from group
members in similar situations. Hope to see you ! Contact Wayne if interested. |
|
| Done | September 13, 2012 8:47:47 PM |
| Where do you turn to when you have a complaint. Appeals I know, but I can't take the way I am
treated. This has been going on since 1998, 16 surgeries later I have reached a point where I can no
longer tolerate how I am treated. |
|
| Lisa | September 12, 2012 2:16:51 PM |
| I am trying to improve my health from being in five non at fault MVA's because of the type of
employment I am in. I felt there was other option as my Fibromyalgia, chronic whiplash pain - myo
facial pain syndrome, chronic insomnia & many other diagnoses were getting worse especially after
my last MVA in 2009 when a driver crossed the intersection unsafely (speeding & not obeying his
stop sign). Both my car & his car were written off. Long story short: I asked MPI for assistance in to
get better in Jan 2012 & I am still waiting for any kind if assistance medically & financially. My short
term at work ended in April (with much bullying from my STD provider) now I am having to deal with
my LTD provider with slow & virtually no assistance from them either. My file had been with them
since April 2012. My husband & I are financially losing significant income. My medical costs are
rising as I am taking charge of trying to get well on my own but Chiro, massage, meds are
expensive. Regardless of all the medical documentation that exists no insurance company wants to
help. My complaint is with MPI as it should be their responsibility as a SO CALLED insurance
company to assist injured insured's get better. My employer was extremely understanding up till my
2009 MVA as it was evident my health & mental state was deteriorating. Now my LTD provider is
giving me the impression they are going to MPI to collect all five claim files spanning 11 years
probably so my LTD provider does not have to pay benefits. My LTD provider has disappointed me
on top of being disappointed already by MPI. Do I try to collect UI in the meantime? MPI nor my
LTD provider will give me any guidance. Luckily my husband is my hugest supporter & advocate. I
am so sad for anyone going through this type of stress alone as this can no doubt get depressed &
frustrated. Hang on. The support group will hopefully shed light to the many flaws in our insurance
& healthcare system in MB. |
|
| Mary Ann | September 11, 2012 9:05:34 PM |
| The focus on this site is that of a bureaucratic government corporation taking
advantage of those injured as a result of a motor vehicle collision. MPI does
not offer the information needed, thus a complete neglect of Section 150 of the
Act. MPI WILL find fault in their NO FAULT system. MPI does not assist with
legal matters which include simply understanding the Act and the rights and
access to benefits. You will have to pay for your own lawyer to fight for what
rightfully is yours. MPI does release personal information without consent. I
can't begin to explain their immoral judgment to procedures used medically to
determine benefits. No one can plan to walk away from a collision, nor can
anyone plan the severity of injury or death. Our medical system has advanced so
far in knowing how to save lives, but how that person will live on in a life
they are foreign to is not so simple. MPI does not support or assist to fund
this. I have learned a lot over the years, probably too much. Thank God I can
be here for my daughter and advocate for her rights. This mother bear has
accomplished many things and I will continue to do so. I will get her story out
there when the time is right. |
|
| Margo | September 11, 2012 12:12:24 PM |
| Maxi: You say you were speeding (the worst offence being 141 kph) and can't
understand why you got your license taken away. The RCMP (not MPI) issued
tickets for dangerous driving. Speeds of 141 kph, even if on the highway, is
dangerous. Whether or not you had passengers or alcohol is besides the point.
It was wreckless and could have caused others to become injured if you would
have lost control of your vehicle.
You may be a wonderful driver, as am I, but at 141, what happens if you blow a
tire? You lose control of your car and become a deadly weapon, hurtling
towards innocent bystanders (or towards a telephone pole).
At the age of 24 (if you got your license at 16), you can't assume you're 100%
in control of your car 100% of the time. At 44, neither can I.
Take the hint and slow down before you either kill someone or get yourself
killed. Only takes one crash at 120, 131 or 141 kph to change a life.
Be safe and drive for many more years. |
|
| Betty Mychasiw | September 6, 2012 7:16:50 PM |
| Friendly Manitoba(NOT)
Mean Manitoba all because of MPI |
|
| Betty Mychasiw | September 6, 2012 7:14:17 PM |
| In my case I found out that MPI discriminates against homeless individuals,
me.I think that the decision to refuse my claim was completely arbritrary and
based solely on their own perceptions of the case.I did not appeal the decision
as felt hopeless for any resolution. I have lived in manitoba for 30 years and
still they refused my claim saying I was a non resident because I have a green
card for the US. |
|
| Maxi | September 6, 2012 3:42:20 PM |
Ok, driving for 8 years, 3 speeding tickits over 2 years, worst one 141, 131
and 120. all times i had no passengers, no alcohol in the vehicle. I have also
recieved a ticket from a police officer whoms husband i went to school with,
for an obscured number plate. Which was not abscured, the red light that goes
around the plate and stays on with the lights on. It took her 50 min to write
up the ticket, she was on the phone with other cops, 5 police cars were on the
scene of the crime as well.... I have refered to 4 different RCMP officers,
that had explained to me if it didnt distract from the running lights its was
perfectly legal. Car had been recently safetied as well, and after telling the
officer politely that I had done my research and its not illegal, its bogus and
biased and that she probably had something more important to do.
Following this i had been passing through a small town in the winter months, it
was dark out, checked both ways and approx .5 km to the north there was a car
coming, i was turnig that way and didnt ssee any coming yet from the south, so
i proceeded from a crawl, after being 1000000% sure that it was safe to do so.
No passengers in any of the instances...
Now MPeffinI has decided to pull my licence for 3 months, and with an $130
appeal certified check i will still probably loose my licence without a workers
permet for being one of the most aware, alert and safe drivers out there.
Thanks Public Insureance, thanks for Insuring that my Relationship, my work and
my lively hood is going to struggle, due to MPIs disregard for fixing the
IMPORTED DRIVERS WITH LICENCES!!!!! I Now suffer, as well as all you great
people out there.
We as a province with pride in our heritage, constantly let legeslature change
without due regard, or asking the publics opinion. The NDP keeps giving hand
outs to Immagrints who are trained to infilrate our culture and create havic
through rape of the system.
That is all, Look for the Mpi Forum on Facebook, click like if your views are
similar |
|
| Wayne | September 6, 2012 11:11:32 AM |
| Once again, putting out the call to everyone. Please kep any pop cans or ask
you neighbours for their's. They can be used to help some people in the group.
I would like to eventualy have enough that we can pay for some peoples chiro
treatments or physio. Gotta start somewhere. |
|
| web master | August 18, 2012 10:38:29 PM |
| kj, send me your e-Mail address and I'll try to get you an MPIsucks decal. |
|
| Wayne | August 18, 2012 10:16:56 AM |
| The hit and run I saw was a few years ago...sorry |
|
| Mary Ann | August 17, 2012 10:12:29 PM |
| Well here's a plate suggestion MPI SUX |
|
| kj | August 17, 2012 7:44:41 PM |
| Where can I get the mpi sucks decal for my car? |
|
| carrie | August 15, 2012 12:20:47 PM |
| Hi Wayne-
Surprisingly, a friend of mine was hit in a parking lot at a medical clinic
about two weeks ago :-( Which area did you witness it at? |
|
| wayne | August 14, 2012 8:45:31 AM |
| From what I understand, the NDP passed a new law that police will no longer
attend accident scenes unless someone is critically injured, or has died. That
leaves it all up to MPI to decide who is at fault.
You just can't win, when your insurance company (and those in charge of it)
write the laws. |
|
| Mary Ann | August 13, 2012 5:40:18 PM |
Wayne, I am now curious as to what happens when a person is seriously injured
in a "hit and run". No police? It's just sick to think of the money that goes
into insurance, taxes in having the police "to protect and serve"; and the
medical system in Manitoba.
That is seriously, a sad state of government affairs. |
|
| Wayne | August 13, 2012 8:16:25 AM |
| To add futher to the previous story. I was talking to a chaplain, who said he
called MPI when he came out to the zellers parking lot, to find his car had
been hit. They pretty much accused HIM of hitting someone.
Incidentally,I was a witness to a hit and run at a medical center. As far as I
know a "hit and run" is illegal, so who do you call? The police...WRONG! The
police informed me that they do not deal with hit and runs, and to call MPI. So
that's what I did. I asked for the person name (of the car that was hit) so I
could tell them and they flat out said no. They told me they take the
information that I give them, and they (MPI) do not call to inform the person
that there car has been involved in a hit and run. Only if the owner of the car
notices the damage and calls in to make a claim do they notify them. Which they
probably don't and investigate, and find the owner at fault. Who knows, MPI is
so shifty and sketched out, we should be paid for having to deal with obvious
scum. |
|
| wayne | August 8, 2012 10:18:21 PM |
| Ah, the wonderful world of govt insurance."You are only allowed to get insurance
through our company MPI, and we the govt will ignore every email and phone call
of complaints about MPI." Isn't Manitoba such a great province? This is the
sytem the next generation will probably suffer under too. |
|
| Delores Racette | August 8, 2012 10:58:42 AM |
| I'm really beginning to believe that MPI uses manipulation and scare tactics to
cause you to withdraw your legit claim. In the final end I wonder if they
actually concern themselves with it being legit as all they seem interested in
is making you aware that your "fate" is in their hands and if they deem you to
be at fault then well "you are". Now of course you can fight it if you have
the time, money and energy. But reality is very few of us do and I think that
is what MPI is banking on. MPI excels in cunning bullying tactics.
One of the comments on MPIs' website is that they strive to make our "the
clients" experience a positive one.
That sound very much like the nursery rhyme The Spider and the Fly;
It starts out with, Come into my parlour said the spider to the fly;
This is the last verse;
And now dear little children, who may this story read,
To idle, silly flattering words, I pray you ne'er give heed
Unto an evil counsellor, close heart and ear and eye,
And take a lesson from this tale, of the Spider and the Fly.
It's so frustrating. I have an open claim of Hit and Run right now and what I
am being told in such a "gentle kind way", is that they question it and so Yes
of course I can go forward with the claim but after they do an
investigation, "what the sam heck does that mean" how the heck are they going
to investigate something that I have no idea of what happened. Scare tactics.
That is not what has me concerned. Investigate away. What concerns me is they
can come back and say Nope claim denied. It is entirely up to them and I
suppose if they have enough flys in their web it may go well for me. If not
I'm hooped.
The final word is theirs and I am at the mercy of their cunning ways. Oh and
yes of course if they do not believe me I lose merits and insurance goes up. |
|
| sharon | August 3, 2012 12:19:31 PM |
| I was worried my old van would be written off, after a man drove into the back of
me. This am at the autopac claim centre, the estimator said 1900. then the
adjuster came out, and said its pretty rusty, maybe a safety should be done,1900
is a little high.Why would they want a safety, when they are writing it off, i
feel like i am being punished. |
|
| Carlyn | July 10, 2012 6:45:45 AM |
Shane,
Are you referring to your driving file, or your claim file?
Claimants can request a copy of your entire bodily injury claim file, which
should include all medical documents, reports, correspondence. It's important to
specify that you want the entire file, including case management notes.
Otherwise you're more likely to get mainly the stuff you're already aware of.
Their notes about phone conversations can be very enlightening (wrong). If you
notice inaccuracies, respond to them in writing so that it's on file.
File copies are free, unless requesting duplicates of copies they've already
provided. |
|
| Mary Ann | July 9, 2012 7:12:37 AM |
| You can call MPI direct and ask them what it's called. My guess would be
something like a driver's and/or customer abstract but be very specific when
requesting anything. |
|
| shane | July 9, 2012 12:54:35 AM |
Hey guys! Question. I know on request you can ask for you driving history your
records, but I rember reading a few years back that you can request your full
history your customer history. Every little peace of dirt they have on you. I
was wondering what this is called and if anyone has experience.
Thank you |
|
| Mary Ann | July 8, 2012 9:53:41 PM |
| This is to everyone out there. MPI does everything in their power (because they
have the entire provincial government army to do so) to make everyone "think"
they are doing things legally and in your best interest. It is a fact that they
do the exact opposite. When it comes time to heal and enter rehabilitation
programs and get your life back on track...is the "ideal" time for MPI to screw
you. It's the exact time they tell you one thing and do another; they tell you
all sorts of things you'll forget about; they'll then go back on their word;
and will make your life a living $%!#
I say and will always say...the number one thing an injured person needs
immediately is legal assistance so they can concentrate and work on healing.
MPI has taken away having the "right" to any legal assistance when they
introduced "NO FAULT". This cost is now your own responsibility (when you have
no pay cheque coming in). Your insurance dollars used to fund the tort in
providing this "right". Now only MPI can afford to pay those lawyers for their
own use leaving the injured with "blind faith" to face MPI's "bad faith". |
|
| wayne | July 6, 2012 4:31:54 PM |
| RJ...long time no hear if that is you. Last I saw of you was at the leg rally.
If you want shoot me an email and I'll give you a call. You might be interested
in what we are doing now. If you're interested let me know asap.
waynefranklin@mts.net |
|
| Against MPI | July 6, 2012 1:56:33 PM |
| To RJ:
MPI doesn't care about anyone but themselves & making $$ for the gov't. Contact the MVAS group.
The group is making progress in changing how MPI treats injured people. RJ, the support group is a
place where victim's of MPI's bullying can comfort each other because fighting MPI on your own will
destroy you. Don't let them do that to you. |
|
| RJ | July 3, 2012 12:03:10 PM |
| Fighting MPIC? Well get ready to have your appeal drag out for a decade or
more! be prepared to loss all of your savings, your home, and unfortunatly for
me it cost me my marriage of 29 years! The stress of lossing your income and
being told that i could work on morphine to return to work is something i have
banged my head against the wall tring to understand since MPIC is against drunk
driving? Yet im suppose to run heavy equipment while impaired and its ok since
MPIC SAYS SO! What the $%!# is going on that they are allowed to justify stupid
decisions like that!I was given two cheuqes from MPIC 8 years into my apeal one
for 10,ooo.and one for 15,000. and both of them came with no paperwork or
explaination for what these fund were for? I just picked them up at the
claimant adviser office and i did not have to sign anything,does this not sound
very strange to you? Months later i met with MPIC lawer only to be told that in
this room they admit that everything they had done to me was not appropriate
and that the determind employment was in error! But if i would wait to continue
going with my appeal they would ensure that it would take another 2 to 3 years
before it would take place! He also said that if i lost my appeal i would not
have to pay back the 25 thousand i was given! this took place infront of my
claiment adviser and i was i shock as to how MPIC can bully you and do the
strangest things and not have to answer to NOBODY!i took the settlement i was
offered because i owed money to every person in my family and i could not risk
waiting another 3 years and perhaps lose my appeal and not be able to pay them
back! My wife left me and i then went to MPIC office in Steinbach and wrote my
adjuster a nice letter stating that the man/fahter/husband that is dead in that
truck is dead because of the bull $%!# he and MPIC made myself and family go
though $%!# for the 10 years and i hoped he might think of the humanbeing life
he so willingly helped to destroy!!! Unfortunately for me ,i was revived 3
times after i died from overdoseing on painkillers and i am now left to
contineu the suffering MPIC has ensured i will live with the rest of my life!
Its clear to me that MPIC is crooked because now after 10 years i am now being
called in for a drivers test because of the lack of mobility in my neck and
back and i have been told i will more than likly loss my drivers licence
because of the injuries i susutained in my MVA. funny how they said i could go
to work during my appeal and now that i have settled with them it would seem
that i now am not capable of driving! i guess it s kind of hard to get to work
if i cant drive! what a fricken nightmare! I am now pushing 50 and i have lost
my income and my family has been torn apart by MPIC and now i must live on what
CPP disability and a small iri payment! this is what will happen to you because
in MPIC's eyes ,you are a cancer and they will do everything to ensure they cut
you out of the dissability payments! I hope God has a speical place for these
$%!# s
! |
|
| Against MPI | June 29, 2012 3:28:53 PM |
| Watching the news today, MPI is funding a huge downtown make over (bldgs/parking). Where is
MPI getting all the money????? From denying bodily injury claims & screwing over innocent people
who think that by having a gov't run an auto insurance system in Manitoba is in our best interest.
That couldn't be further from the truth. MPI makes $$$ for the gov't so that the $$$ collected goes to
other things than help people hurt in a MVA. It is disgusting! MPI is an extremely corrupt run
system & it is false advertising. They are NOT an insurance company. Injured people get minimal
assistance from MPI if they are injured in a MVA. |
|
| Mary Ann | June 21, 2012 7:30:21 AM |
| Thanks for the info Carlyn. I'd love to have been able to attend that;
unfortunately I can't get to Manitoba that week but am hoping to hear something
come from it. If you get further updates please share. |
|
| Carlyn | June 21, 2012 5:57:14 AM |
There are also public meetings in rural Manitoba: Steinbach Monday June 25 and
Dauphin Tuesday June 26. See the June 19 news release on MPI website for more
details.
The June 15, 2012 news release about this year's rate application includes a
link to MPI's 2011 Annual Report, which will likely be the basis for the public
meeting presentation, if pattern follows last year's public meeting. The MVAS
group had several members attend in Winnipeg last year, and kept MPI on its
toes, demanding answers for some of the system's inadequacies.
I find it rather interesting that they've titled the annual report "Valuing what
matters", and one of the four values they list is "easily attainable coverage
and services that don't discriminate." For many of us who fall outside of MPI's
cookie-cutter approach, that's far from reality. |
|
| Carlyn | June 21, 2012 5:39:15 AM |
MPI public review meeting was advertised in the community newspaper.
Thursday June 28 7:00 p.m. at Four Points by Sheraton Winnipeg South, Madison
Room, 2935 Pembina Hwy.
After the presentation on the state of the corporation,there will be an
opportunity to share thoughts, ask questions, or voice concerns. |
|
| standUP | June 16, 2012 2:50:21 PM |
Why don't we all just set a date(soon) and rally at the Legislative building..
Power is in numbers!!..The news will come and we'll actually have a voice |
|
| antonio | June 1, 2012 8:13:12 PM |
| this is for chris you want to call TIM KILEEN he is the best lawyer you can get
for suspension i had him and he was great! |
|
| antonio | June 1, 2012 8:09:34 PM |
| MPI does not give a $%!# about anyone. they do not give a $%!# to pay the
people that are injured MPI is a government scam to make $$$$$ for the
Government they have a bunch on complete incompetent idiots pushing around a
paper clip and do not give a $%!# . they are there to punch in and punch out
they know nothing complete idiots!!! people are getting injured and hurt and
are not getting paid anything for there injuries. i myself have been robbed 30k
from MPI this is a JOKE!!I have been dealing with them for 1 year and they r
complete idiots. The poeple they have to $%!# damage no nothing about BODY
work or mechanical dont you get it. MPI IS A FRAUD!!!!! why dont manitobans DO
SOMETHING ABOUT THIS JOKE. there is no oppertunity your road construction is
NOT SAFE! your HOMES ARE TOO EXPENSIVE AND FALLING APART. AND MPI DOES NOT GIVE
A $%!# ABOUT THE POEPLE!!!! ITS A JOKE IT REALLY IS A PETHETIC JOKE! What can
you do? people need to get paid for injuries people need to get paid. MPI has
done everything to not help me with my situation they have worked agaisnt me
the entire time. its pathetic i HATE MPI! really its sad the governemnt just
doesnt give a $%!# . the courts the law there is too many rules and regulations
for the average person to even understand. you need lawyers judges the system
is meant to take years and years even if you do get paid you will probably be
dead by then!! the average person is nothing to MPI they do not give a $%!# if
you die on the road actually they want that to happen one less person they need
to deal with and they will continue to take from you and give you nothing in
return. |
|
| Tiredofbeingscrewed | May 31, 2012 8:34:07 PM |
| Can anyone on here tell me if MPI is subject to any time constraints with regards
to determining what vehicle damage is to be covered under a claim, on in general
with regards to making decisions regarding vehicle damage claims? |
|
| mike nacci | May 23, 2012 2:08:11 PM |
| We should pick a specific day for all MPI claimants to bombard all MPI and
government offices with e-mails explaining in detail about our experiences with
MPI. Maybe then they MIGHT pay a little attention. All media sources should be
sent the same, bringing this situation into the limelight!! They can't ignore
the injured and dissabled forever!!! |
|
| mike nacci | May 23, 2012 1:35:50 PM |
| I'm about to become homeless because of MPI !!! Then when I read this article,
I find I have no recourse,and I am about to be kicked out on the street,and
I've lost my business too. So, after paying top premiums for insurance, I find
that it really isn't!!! Because of this stress, I will probably have a longer
healing time,more depression,and inevitably be kicked to the curb by
MPI........NICE......from here on I will only register my vehicle. There are
other ways to pay for REAL insurrance!!!!
Signed,
M. Nacci |
|
| Chris Travis | May 23, 2012 10:56:20 AM |
In 20 years of driving-I've never been in a serious accident.
The 1 or 2 accidents I have been in were fender benders that amounted to maybe $1-2
thousand dollars combined.
Never had a DUI in 20 years of driving.
I was shocked to find out that MPI was considering suspending me. WHY?
Because I turned Left off Wilton onto Taylor Ave.
Of course I had a few tickets leading up to that. Faulty equipment ..
One for my turn signals which were white Not Amber and one after my car was vandalized
causing my lights to flicker as I was coming home from the auto wreckers with parts to fix it
myself-Yeah, I was just trying to save MPI the hassle of making a claim for stuff I could fix
myself. Silly me -trying to do the right thing.
I was also pulled over back when the Driver License and Registration were harmonized.
Remember that? We had to do what we had never done Before or since...
Renew our License and Registration TWICE in one year.
Yup, I forgot.. the cop who pulled me over said this was happening to hundreds of drivers and
let me tow my car HOME.
I work with children and require my vehicle to do my job.
My car was vandalized by the children I take care of- High Needs Teenage Boys.
None of this seemed to have any bearing at all at my show cause hearing.
The MPI twat at the hearing was talking to me as if I were a drunk/dangerous driver or that I
had been rude with the police...why the fugg would the police let me take my car HOME if I was
rude???
MPI is out of control. I have family who worked in the executive office at downtown.
She quit after they hired a sexy white girl from Ontario into a high profile position as part of an
Aboriginal Employment Program.
We are aboriginal (Metis) and thought that was kinda weird.
She also quit because the top management was PSYCHOTICALLY rude and abusive to
subordinate staff...open name calling, swearing, bullying, threats and general childish
conniving against anyone who dared to speak up for themselves..
She had to make multiple stress leaves and made multiple complaints to the labour board as
have many others.
I can't even communicate the level of childish behaviour from these $%!# s who have such
control over our driver license.
These are the Policy Makers at MPI...
childishly berating staff, yelling, swearing abusive behaviour in the office environment.
These $%!# s need to be stopped and we need to go Private or go back to old MPIC
regulations.
Does anyone have a name of a good lawyer in case I get into a fender bender and get
suspended for 3 years?????
Sincerely
Chris |
|
| Mary Ann | May 15, 2012 1:44:31 PM |
MPI is a money grab by the provincial government. As far as I'm concerned, it
is NOT insurance, nor coverage for anything. It is a tax! - used to provide
employment and other great funding to the province. So if you already pay
provincial taxes, property taxes, welcome to paying even more taxes every year
through Autopac.
Accidents require police and emergency personel...which in turn involve
legalities and perhaps medical professionals...hence the need for a lawyer. MPI
doesn't fund lawyers (other than their own) due to "NO FAULT" and NO TORT!!
When they screw up, they run to the next guy to fix the problem and use their
numerous employees to do the thinking for them. And, they do screw up all the
time. It's not hard to catch them on it.
MPI is Out of Control!!
And, yes private insurance is better because you can get a lawyer - period.
Therefore, if nothing else, the insurance cannot screw you or play the game
of "bad faith". A lawyer would not let that hold up. Private insurance does
provide coverage and if you want more or extra coverage, just in case, then it
can be just as expensive as Public (but I doubt it), but you can be rest
assured it's not a tax. Insurance companies in Ontario do not control your
driver's license either. |
|
| private insurance is better and cheaper | May 15, 2012 12:25:12 PM |
| Police vehicle inspection pulled me over Sunday.They put me in the back of their car,went through
my truck. They towed my truck, then informed they towed it (as if I didn't know now) I asked why?
"you will get the paper work later" wow... I did not get the option to call my own tow truck or where it
goes. I go pay dr hook there is a tow charge(of course) but then a hefty charge for the city n mpi
what the F is that? In dr hooks lot I inspect my truck it's a mess of my everything everywhere and a
few broken interior parts. And what the paper said they towed my truck for works fine. I call mpi
vehicle standards and tell them they need to come see this. No mpi doesn't do that, call police
vehicle inspections. They just harassed me treated me like some kind of terrorist trashed my nice
truck and you want me to call them back no I want mpi to look at my truck. Mpi "you can have it
towed to us at plessis rd" ok if I tow it there and nothing's wrong will you credit me the cost of the
tow? Mpi "no" Will there be any disaplinary action against this officer. Mpi "you could stop
somewhere and change something" That's why mpi has to come to dr hooks lot and look at this. Mpi
"we don't do that" What a joke!! My truck got a safety 2 weeks ago issue is not on a safety or any pre
trip the only way to find their law is to buy a over $100 book from them.... Ummm money grab? |
|
| MPI blows. | May 15, 2012 12:24:58 PM |
I have had a lot of issues with MPI. For starters I had a very nice done up vehicle that was in an
accident. Since I was 19 at the time they thought they would try to offer me a very very small
amount of money for my car. I explained that it shouldn't be a write off and second I would never
accept an amount so small as so much work and money went into my car. They replied that it was
nothing fancy and it would cost to much to repair as so much was missing. I was kinda wondering
what MPI ment by it and told them nothing was missing, just some front damage and such. I was
told no half the car is missing. I drove straight to ples. And demanded to see my car. There
paperwork on my car had nothing about an accident but it being vandalized and such. When I saw
my car it was stripped and on blocks. I was floored and demanded to see the the security tapes.
To my luck my car was parked in a blind area. I was then given 3000 over there original offer or be
screwed and buy back my claim.
Another example. I was found to be driving with out proper insurance after going 112 in a 100
zone. It was MPIs fault also. I had missed my court date because of sickness. I later appealed and
won. However I had a show clause hearing that brought up things when I was 16. I was 23 at the
time and lost my lic for 60 days. I had a clean driving record for the past 4 years.
My last issue with them I was in an accident because someone ran a red light. Even with
witnesses MPI tried to make it 50/50. That didn't work. After a week and a half with my rental due
to lose of use coverage I was called by MPI telling me it would be best to return my rental vehicle.
I explained that I had the pearl on my insurance and asked why just to be told it would keep my
premiums down as well as the depreciation value of my vehicle for replaced parts. I didn't return it
but went and spoke to a lawyer. A stern letter to MPI about s possible lawsuit about harassment
among other things shut them up pretty quickly.
All and all when dealing with the corrupt MPI is to stand your ground and don't allow them to bully
you. |
|
| Mary Ann | May 11, 2012 8:13:57 AM |
@ unknown,
It sounds like you may qualify for catastrophic benefits. If you require a
scooter or wheelchair to get around, someone to do your laundry, and make your
meals...then you HAVE to get your Occupational therapist or doctor to recommend
those things.
Unfortunately, you HAVE to fight for those things. You need an advocate or
someone to support your needs.
Join the MVA support group. There are others who can relate to you. You do
have rights and you do deserve to continue living. MPI cannot take that away
from you. You have more pull than you think. Don't give in to what they
say...what they say and do are two extemely different things. Be direct, firm
and loud, but not angry or rude. Profanity, or looking for sympathy, or
expecting understanding from MPI will not work. |
|
| unkown | May 11, 2012 6:17:49 AM |
okay well i just got home from a vacation. i am nott gone state where as MPI
may figure out where. but well there i recieved a email from my layer stating I
needed to do athletic therapy and water therapy and continue my therapy well i
was away or MPI WOULD CUT me off INCOME replacment.what is not new right its
MPI they always try to cut you of. so well trying to relax I start phoning and
running around and find a athletic therapist 100 miles away to do tretment so
they agree to take me on and i start tretment there and i also contineu water
therapy at a pool 30 miles away.and i believe because I have not HURD anything
from MPI all is fine. well no it is not. yesterday evening I get my mail and
low and behold in it a letter from Mpi stating they are cutting my income of as
of May 8/2012 and i also owe them for a scotter rental they got me and also for
the gym membership they got me for the three weeks i was away.
first and formost how does that work when i need a scooter to get around the
airport, mall ect. and when i am doing therapy out where i am. also they state
i am not allowed to put in for personal care when i am gone how does that work
please tell me especally when i am staying at friends houses and they need to
do my laundry or i still need to bring my laundry home and the house stilll
needs to be cleaned where i am at and i still need food cooked for me.
MPI really is not thinking this situation threw. i feel like they are looking
at the bottom line and what i mean buy that is howw much it cost and if it cost
to much it gets shut down and i as the claiment/ patient suffers immensly.
well one thing i would like to do as this has been going on for 4 plus years
and they actually cut me of on the anniversary of my accident, i would like to
go to the media and share this incident as i am compliant with MPI and they
have sent a letter stating they are cutting me of as i was not in therapy or
doig water therapy well i was doing all those things well away so please tell
me why i have not recieved my direct deposti as of May 11/2012 06:10.
if you know anyone please contact me at this email address i have set up
spacifically for this i.hate.mpi1@gmail.com |
|
| Wayne | May 10, 2012 3:57:46 PM |
| Oh, don't forget Swan is also in charge of The Manitoba Human Rights
Commission. That's kind of like asking the fox to watch over your chickens. |
|
| Margo | May 10, 2012 7:47:25 AM |
@Antonio
Unfortunately we had a chance to get the ball rolling to rid ourselves of MPI.
But, NDP was re-elected in as the Provincial power.
The sad truth is, unless they've dealt with MPI for a claim, and been treated
like a piece of dirt by them, people are blind to the inept way MPI conducts
their business. Toss a little of our OWN money back at us as a rebate, and
people are happy.
Until we get rid of NDP, or at the very least have a HUGE demonstration,
nothing will change. The press are well aware of the public's dissatisfation
with MPI, but money talks, and MPI does huge amounts of advertising.
Personally, I had a crappy dealing with MPI (as have you all), but as I tell my
friends and family of my dealings, they don't think MPI is that bad. That is
until THEY have crappy dealings with them too. Then all of a sudden it's "wow,
I never knew how bad they were!". Yeah, I've only been telling you how crooked
they are for A YEAR!
So there you have it. Money makes people blind to MPI. We have to get rid of
NDP to get rid of MPI. Or, at the very least, get rid of (Jets ticket taking)
Minister Swan. Minister of Justice AND in charge of MPI? Really? No conflict
there at all? |
|
| STEVE LOCKHART | May 10, 2012 1:46:56 AM |
HARRY= THE SAD TRUTH IS IF THEY CAN FIND OUT YOU EVER HAD AN INJURY INCLUDING A SPRAINED ANKLE YOUR SCREWED! THAT'S WHAT THEY'RE PULLING ON ME. I GOT INJURED 11
YRS.AGO. THEY DRAGGED IT ON AND NOW I HAVE ARTHRITIS IN MY KNEE. MY SURGEON SAYS
ITS FROM THE OLD INJURY! THAT WE'RE STILL DEALING WITH. BUT MPIC SAYS NO ITS
JUST GETTING OLDER THAT CAUSED IT. EVEN THOUGH I HAD NO INJURY'S TO IT BEFORE I
GOT HIT!
FURTHER MORE ON MY DR. IS NOW DOING MPIC'S CONSULTING NOW SINCE MAY 2 HE
DECIDED TO GO TO WORK FOR AUTOSHAFT AND RETIRE FROM PRIVATE PRACTICE! NOW I HAVE
NO DR. NO WITNESS! AUTOSHAFTS MONEY SURE TALKS DOESN'T IT! AND THIS ALL HAPPENED
3 WKS BEFORE I FINALLY GOT MY HEARING AFTER 7 YRS WITH THAT USELESS ADVOCATES
OFFICE!
NO COURT, NO LAWYERS,(EXCEPT THEIRS) NO JUSTICE ANY MORE, THEY HOLD ALL THE
CARDS AND THE RULES THE GOVERN DRS. DON'T APPLY TO THEIRS! |
|
| harry | May 9, 2012 8:30:12 PM |
| like everyone else still having very hard time dealing with mpic my last
accident was in march 100% other driver fault is it legal for mpi they want me
to sign consent for last 10 years of medical history and they are refusing any
income replacement because prior to accident i was off for a week from work
frome injury
which was caused by prior accident in 2010 any advise how to deal with them
i am getting depressed all the time i dont even want to talk to case manager
she is very rude |
|
| Nance | May 9, 2012 6:37:02 PM |
| Well, apparently I have been deemed 100% at fault for a Winnipeg transit bus backing in to me.
Wow, waiting at a stop sign behind a bus, it reverses to allow more room for an oncoming bus to turn
and backs in to me. The driver somehow found a witness to say that the bus was no where near me.
So now I am at fault and apparently mpi says I rear ended the bus. Are you kidding me?! Do I have
to find someone to lie on my behalf, say they saw the accident??? Clearly this driver has a lying
friend. And Winnipeg transit won't release any info to me. Mpi won't budge on this. Next step, court I
suppose, wish I had money for a lawyer!!! |
|
| Antonio | May 9, 2012 10:43:53 AM |
| What a joke MPI is this is just brutal way to many people getting treated like garbage. This has to
come to a end someone has to put a stop to this. The system is so corrupt so messed up there is
no help lines for the people there is nothing they just take our money and when something
happens they tell us to go $%!# ourselves I had enough. News papers need to hear about this BS
it's just too much it's sick already. Just tale from the people and give nothing in return it's sick and
pathetic. |
|
| STEVE LOCKHART | May 9, 2012 5:52:04 AM |
| THE BIG PROBLEM IS I HAVE TO PROVE MY INJURY'S. THEY DON'T HAVE TO PROVE THEIR
POSITION! GUILTY TILL PROVEN INJURED! NO LAWYER. NO DR. MY WORD MEANS LITTLE.
AUTOSHAFT CAN JUST SAY IT'S ARTHRITIS THAT HAPPENS WITH AGE AND THATS IT! JUST
BECAUSE IT HAPPENED THE MOMENT OF THE ACCIDENT MEANS NOTHING! THATS THE JOY OF NO
FAULT!!! WHAT A CROCK! NO LAWYER ( EXCEPT THEIRS) NO JUDGES. NO FAIR HEARING!
UNLIMITED FUNDS! THEY GET UNLIMITED DRS. EVEN ONES THAT HAVE NEVER EVEN SEEN ME
AND THAT BEATS MY WORD! WHAT A JOKE AUTOSHAFT IS! AND I'M SO LUCKY TO GET TO
KEEP PAYING THEM TO INSURE ME! |
|
| Mary Ann | May 7, 2012 11:26:52 PM |
I haven't experienced an AICAC Hearing yet...so I've just provided my thoughts
based on my own experiences of internal reviews.
No one should ever be put in the position of being their own lawyer because
there is no funding for appropriate resources for the weak and injured. Yet,
MPI has infinite paid resources at their disposal. I have to wonder how it is
that criminals are provided the appointment of a lawyer. |
|
| Mary Ann | May 7, 2012 11:23:48 AM |
@ Steve...you are probably your best doctor and lawyer at this point! It may
not be in your best interest now to have your doctor at the hearing, but you
can certianly use all the documentation you want, so make sure you get all the
documents, medical file, and request your own file from MPI as well.
Go through everything and make your points - now prove them!! Be organized,
and clear. Take the driver's seat at that hearing. Don't leave anything open
for questioning.
Join the support group!! It is much more helpful to get the group support
especially for these times of an AICAC hearing. |
|
| Steve Lockhart | May 7, 2012 2:39:17 AM |
| Carlyn=
THIS DR. IN QUESTION IS MY PRIMARY DR. THAT HAS BEEN TREATING ME BEFORE. DURING
AND AFTER THE ACCIDENT IN QUESTION. NOW MY GOVERNMENT APPOINTED ADVISORY PERSON
SAYS THE MY PRIMARY DR. CAN'T BE A WITNESS BECAUSE AUTOSHAFT HAS HIRED HIM TO BE A
CONSULTANT ON OTHER CLAIMS AND ITS A CONFLICT! SO IT'S LEFT ME 3 WKS, BEFORE THE
HEARING WITHOUT MY MAIN WITNESS TO MY INJURY'S! BUT OF COURSE M.P.I.C. AND ALL
OF THEIRS WILL BE READY TO DISPUTE MY CASE., EVEN THOUGH THEY HAVEN'T EVEN MET ME! |
|
| Carlyn | May 6, 2012 11:02:24 AM |
Steve,
How is it a conflict of interest for your MD to speak to your personal
experience just because they have been an MPI consultant for other issues? Is it
possible to get copies of his/her notes to your primary MD (assuming it's not
your primary MD you refer to)?
I had two specialists who: 1) didn't want to get involved in the MPI battle
unless MPI was the requestor, and 2) wouldn't comment on causal relation of
injury to accident, or even confirm a diagnosis that was made by multiple other
practitioners, because it couldn't be proven by XRay, MRI, etc. Both had acted
as MPI consultants in the past.
Even if they aren't willing/able to speak at the hearing, or report to MPI
directly, it should still be possible to use the information they recorded in
your medical file. With practitioner #1, I was able to get copies of their
reports to my MD, which were submitted to mediation/AICAC.
This battle is difficult, and the playing field is not level. Do what you can,
and fight hard. |
|
| Carlyn | May 6, 2012 10:52:47 AM |
Be prudent when going through mediation. Come to the table with a clear
understanding of all issues that may be discussed (including those not on appeal
at the moment), and the numbers involved. Know where you're flexible, and where
there's no room to budge.
MPI tried to do something illegal during mediation and was thankfully set straight
by the mediator. Since then, MPI has tried to apply terms from mediation issues to
my entire claim. Clearly illegal, but they expect me to bow to the pressure. Not
going to happen! |
|
| STEVE LOCKHART | May 5, 2012 6:04:41 AM |
| MARY ANN = THANKS. HE'S NOT TESTIFYING AGAINST ME I DON'T THINK, I THINK THEY
HIRED HIM FOR OTHER CONSULTING SO I CAN NOT HAVE HIM AS A WITNESS. AS THEY HAVE NO
PROOF OF THEIR CLAIMS THEY WANT ME TO ALSO HAVE NONE. HE'S MY MAIN WITNESS THAT
HAS TREATED ME SINCE BEFORE THE ACCIDENT! IS ITS A CONFLICT FOR SURE. KNOWING HE
WAS TO APPEAR ON MY BEHALF HE SHOULD OF NOT BE ALLOWED TO GET IN THIS POSITION! OR
GIVEN LATITUDE TO REMAIN MY WITNESS IN THIS CASE! ITS JUST MORE OF THE LOW DOWN
DIRTY WAY AUTOSHAFT DEALS WITH US! |
|
| oldemt | May 4, 2012 6:50:24 PM |
| I am stunned...
a month or so ago i got a letter to make an appointment with mpic for a "license
review" and dutifully attended, was ushered into a room with a big chair and a
little chair, took my place in the little chair and awaited my "reviewing
officer" who was no more than 22..
he then produced my driving record dating back into the 80's, however he seemed
focused on "disobey traffic control device" (right turn, portage and donald) and
"speeding" (highway 75 speed drop /trap) as well as a "not at fault accident"
within the last 3 years ( i even have merits )
we discussed these issues and the young man advised me i would hear his
"findings" in writing..
two weeks later i received a letter *suspending* my license for 60 days, and
almost $300 in administrative costs to get it back one my time is served.
the young fellow advised me at the time his findings were not appeal able as he
was acting on behalf of the "registrar" (whoever that is?) and not MPI.
Is this normal? |
|
| Mary Ann | May 4, 2012 7:52:07 AM |
@ Steve...if this doctor was your personal doctor and MPI hired him as a
consultant on your claim....That's a direct conflict of interest!! I'm not sure
if this will help, but it's worth a try.
Make sure you write a letter now stating what this doctor has done for you
personally regarding your health in your MPI claim and have any copies of
documents (referrals, emails, etc. whatever you can find) with the doctor's
name on it. Make sure you keep a copy of everything and submit it to the
appeals committee that anything they use regarding this doctor, on MPI's
behalf, is null and void due to a conflict of interest. It shall not be used in
the appeal hearing.
That doctor cannot be on both sides of your claim. |
|
| STEVE LOCKHART | May 3, 2012 6:47:59 PM |
| HI FOLKS. CHECK OUT THIS SCAM. AFTER BEING INJURED IN 2001 & 2003 I WAS TO
FINALLY GET MY APPEAL HEARING MAY 28/29 2012. NOW AT THE LAST MOMENT AND AFTER 7
YEARS WITH THE USELESS ADVOCATE THE GOVERNMENT GIVES US. M.P.I. HIRES MY DR. THAT
HAS BEEN MY DR. SINCE THE 90'S TO BE THEIR CONSULTANT!!!! WHAT THE $%!# ! THEY
HIRE MY DR. AND MAIN WITNESS AS THEIR CONSULTANT SO HE CAN'T TESTIFY AS MY DR. AND
WITNESS!!!A FEW WKS. BEFORE MY HEARING HE WAS TO BE MY WITNESS! IS THIS NOT THE
MOST LOW DOWN DIRTY TRICK EVER??? IS THIS EVEN LEGAL?
ANYONE ELSE HAD THIS PROBLEM?
THANKS FOR ANY INPUT!
STEVE LOCKHART |
|
| Lisa | May 1, 2012 10:57:06 AM |
| People in Manitoba do not realize how corrupt MPI is until they experience their wrath on their own
claim. Individuals fighting MPI will generally never be treated fairly. The MPI system is flawed but
they make too much $ for the gov't so any kind of change will be difficult. The MVA support group
needs people to come forward . We need to help each other as MPI won't anyone but themselves. |
|
| Antonio | April 30, 2012 10:43:00 PM |
| I have to start this by saying I HATE MPI!! I have been dealing withy claim for the last 8 months
YES I said 8 months they are trying to refuse me and not pay me for my PORSCHE! They
harassed me employer and I was accused of giving MPI my superintendent phone number and I
DID NOT I have mo idea how they got it and he came up to me with 8 missed calls in one day! I
was laid off and lost my job!! They called and harassed my girlfriend who was not even involved
with the accident. They called and harassed my land lord and she RAISED MY RENT $150.00!!!
Why is this happening what did I do ? Can anyone help me with this situation ? Why are people
burning there own vehicle and getting paid out right away I don't understand? Why is MPI so brutal
why are they doing this to me ? Someone please help if you know anyone or anything I can do.
MPI will not help me they hang up and laugh at me over the phone. What is this government gong
show coming too ? Really who are the scanners why are we getting ripped off ? They will pay a
$2000.00 car out what about the vehicle worth 30k and more ?? Why is this happening why was
insurance ever sold in the first place if they were not covered ? I don't understand please someone
help or we all need to get together and make something happen why are manitobans getting ripped
off by MPI ? |
|
| Richard | April 30, 2012 8:58:22 PM |
| I’m not too happy with MPI. There was a lady that decided to pass my brother on
the highway between the ditch and where there’s a littler gravel. She sorta
succeeded and damaged the front passage side. MPI declared it 60/40 for my
brother. Last time I checked it was illegal to pass someone this way. She also
had 3 children in the vehicle…ya real smart lady. It also took them 5 months to
come to this decision after ignore my phone calls and talking to the
supervisor’s supervisor…. To add to insult MPI refused to pay all the repairs
on my Jetta. The dealership mechanic said my vehicle rad was damage due to the
accident. After MPI’s “specialist” reviewed it he deemed it to be prior to the
accident. I complained and said that their mechanicswho reviewed it can’t
possibly know every make, year and model of every vehicle to the tee ever
constructed. I’m pretty sure that the dealership that only deals with its makes
and models would know the ins and out of their vehicles better than a jack of
all trades specialty of none. |
|
| Gary | April 30, 2012 5:59:06 PM |
| I would like to show up at the Minister's office presonally Wayne, but where do
we draw the line financially. It is a $160 dept and it would cost me more than
that just to take time off work and head to Winnipeg. I'm trying to find more
people that have a similar issue about Snowpasses being forced on them. Maybe
collectively we could "Bring Down" the almighty MPI. I would like to picket
thier office if anyone is interested, but hope it wouldn't get us a trip to
jail. Maybe it would be worth it to prove a point. Mary Ann......thx for your
support, much appreciated! |
|
| wayne | April 29, 2012 9:03:45 AM |
Well TR, you can send the motor vehicle accient support group an email. The
link is above. Maybe we can help you in some way, or at least you can be in an
environment with people who are going through the same situation.
There is no class action lawsuit as from what I have read, that requires 100
or more people to make it worth a lawyers effort. All they see is dollar signs.
PIPP people belong to a small and exclusive group, that is why they can be
easily ignored. We are banding together to be noticed if that sounds of any
interest.
Wayne |
|
| bobbi | April 27, 2012 3:43:48 PM |
| had been charged with refusal...had rolled my car...all charges were stayed..my
vehicle was written off...mpi is refusing to pay....have to go to court..does
anyone out there have a similar story to suggest what i need to
do??...again..all charges stayed by prosecutor...pls help |
|
| tr | April 26, 2012 10:12:16 AM |
| Is anyone doing a lawsuit with a decent lawyer or can suggest one... I have
been fighting with Mpi sinse 2006 and still injured and still being treated
like $%!# ..Is there any hope of a class action against them |
|
| Lisa | April 24, 2012 5:04:26 PM |
| I have been trying to go thru the mediation process but my situation has changed greatly in the past
5 months. The mediators seem to be very understanding and accommodating. My problem still
exists with MPI. I will report to the group once I get further ahead in the process. |
|
| wayne | April 24, 2012 2:43:21 PM |
| Best bet is to go to the office where the person is communicating from. Just
show up unannounced and tell them you want to see the paper you signed. My wife
has forced meetings upon MPI, as it seems to be the only way to get things done. |
|
| Mary Ann | April 24, 2012 12:03:44 PM |
@ Gary...that is extremely important!! They are affecting your livelyhood for
survival - your job!!
They don't just control the lives of the weak and injured, but simply everyone
purchasing anything from them. This just shows there is a vast variety of
individuals with various issues with this Canadian dictotorship government
regime. That is too much control over a large population!!
Unfortunately, money talks, so when people get their "refund" cheque, or are
told they are getting the best rates in Canada (an outright lie) they are
psychologically thinking they have such a wonderful set-up for insurance. No
one is provided the exact truth when simply inquiring about your insurance
policy and especially when you have a claim.
It's hard to just tell people these things because they don't believe it, until
they have to live it. |
|
| Gary | April 24, 2012 9:28:43 AM |
Yes, I did request the document they said I signed and have not got it. It has
been at least a month, maybe two. Now they have put a block on me upgrading my
license for work and it is affecting my job. I'm at my wits end about it all,
it has been very stressful and I have been having chest pains from thinking
about it too much. I can't believe that this is all over a trail pass, for
driving my snowmobile. It has nothing to do with insurance.I also can't believe
there isn't more people upset about all this,there was no snow in southern
Manitoba this year, to even have groomed trails. Very Sorry to see about your
predicament too MaryAnne!
Gary |
|
| wayne | April 21, 2012 7:47:49 PM |
| Another funny story. The province dabbled in home insurance for awhile, but
screwed it up so bad, they had to get out.
This was brought to my attention from my wife, as I said that the province
will probably monopolize house insurance next to bring down the defecit.
Wonder why they fail to see that they have screwed up auto insurance just as
badly. |
|
| Mary Ann | April 21, 2012 12:16:58 AM |
Here's another good one.
My daughter sustained catastrophic injuries Xmas 04 and was in a coma for 3
months and miraculously earned the opportunity to move out of the hospital
after 1 and 1/2 years and into her own home with 24/7 supervision. My daughter
suffers from an acquired brain injury affecting short term memory, reasoning,
judgment, understanding, etc. along with extreme tone in the entire left side
of her body, has to use a walker or wheelchair to get around, among other
devices for day to day living.
She has come a long way; however, in 2006/07 we had requested a computer as a
cognitive learning aide and communication device. Of course it was denied, so
we ended up appealing twice and I had to write a letter stating that I wanted
MPI to provide factual evidence to prove that a computer would not assist
rehabilitation for hand dexterity, cognitive learning and communication.
I have now just recently gone through MPI's notes from back then and found an
email between the case manager and supervisor stating that, they should send in
notes from an agency (rehab supports my daughter was receiving) to prove that a
computer would NOT assist this young lady's rehabilitation.
This is the dirty work they do. Look for everything they can to deny benefits.
However, I imagine they could not find factual evidence to prove that a
computer would NOT assist rehab because it was eventually approved. |
|
| Mary Ann | April 20, 2012 11:43:35 PM |
| Here's a good one. Anyone reading the news recently may have read that Mr.
Harper (our prime minister) would like Cuba to join the America's summit but
only countries with democracy can be involved. Haha! That's a joke when I
know that we have dictatorship going on right here in our own country. |
|
| Mary Ann | April 20, 2012 11:36:43 PM |
@ Gary
It sounds all too common to me - MPI is bullying you just like they bully the
weak and injured. Keep all your documentation. If you haven't already, write a
letter or email stating that you won't pay for something you didn't want and
request a copy of the form they say you signed.
You can thank your provincial government for bringing in a dictatorship
corporation that also sells auto policy tax because anyone thinking it's
insurance coverage - they're wrong. |
|
| Gary Quinn | April 20, 2012 10:54:09 AM |
| I have been feuding with MPI over a snowpass. I told them I didn't want it at
the start of last winter and they said I have to pay for it. because i didn't
decline it before Dec. 1st and my renewal date is Dec. 5th. Next 3 month time
payment, I refused it again and they said it will go to a collection agency to
get thier money. Now they are refusing to update my driver's licence to a class
3 for work and I'm fairly sure a suspension is on its way. I keep saying to
them....if you walk into a store and look at a TV....can I send you a bill for
it...and not give you the TV?? I also asked them why M.P.INSURANCE...IS
COLLECTING for snow pass trails, they should stick to insurance. No means no!I
have asked them to send me a signed copy of the document that says I agreed to
pay for this the year before, they have not sent it, yet they claim i signed
one. I am very stressed over leaving a 24 yr job and letting them take my
driver's licence, I still am refusing to pay. Has anyone got some advice for me
please? |
|
| Carlyn | April 18, 2012 4:55:10 PM |
Bee,
I found a receipt from 2004: $20 licence fee and $45 basic insurance. |
|
| Carlyn | April 18, 2012 4:51:11 PM |
Brenda,
My dispute is in mediation. I look forward to seeing how things turn out.
I've been told that when the project first started, it had limited success because
MPI personnel who attended didn't know how much authority they had. That has been
clarified, and more recent mediations have resulted in many disputes being settled
without having to go to AICAC, in some cases with surprisingly positive results. |
|
| Bee | April 18, 2012 4:13:08 PM |
| Wondering if anyone knows the answer to this.
Has MPI always charged $20 for the driver license fee?
It seems they are playing games with the new system. Base driver premium is $45
per year less your discount. In the past I remember paying around $45 with no
discount. Now they are offering discounts but when you add in the licensing fee
it comes to approx. the same amount. Am I thinking correctly on this? They
implement a new discounting system to give the appearance that they are giving
us a deal but then adding $20 so we really aren't getting one? On top of that
what the hay is the driver's license charge? Isn't that what the base driver
premium is? |
|
| Brenda | April 17, 2012 11:03:55 AM |
| I was wondering if anyone has gone through the new mediation process. I was
involved in a car accident in 2007, been through $%!# and back with MPI... |
|
| Carlyn | April 14, 2012 7:54:21 PM |
| How's that going to work, Lisa? Skype? |
|
| harry | April 13, 2012 1:53:38 AM |
| my accident happenened in mar 29 to [hone iteview waith adjuster bring ou dead
eskis from old any way i am very pissed didnt frrl likr talking to anyine very
mad no sympathic words they hav |
|
| Lisa | April 12, 2012 2:51:15 PM |
| The MVAS group will hopefully be set up soon for group members to attend meetings from the
comfort of their homes. The group understands chronic pain and medical complications from motor
vehicle accidents. Attending group meetings in person can be difficult. The MVAS group is
dedicated to help people get well and get the support they need during their bodily injury claim
process. Contact the MVAS group for more details. |
|
| noname | April 9, 2012 5:40:38 PM |
MPI is nothing more than a mafia run by the government which naturally legalized
its evil doings for the sake of self-interest $$$. The adjusters are mere play
puppets, no actually bimbos if you ask me since they lack intelligence in there
own line of "work". Now i used quotations only because you cannot justify "work"
by merely passing on files to one another and pushing papers back and forth
writing things about which they have no knowledge. In my personal opinion a 5 yr
old is just as qualified to do there line of "work". ( I used to pretend to work
when I was 6 for fun...can you connect the dots?)
I have a claim that is a month old now, still pending till this date simply
because no one knows whats going on, naturally my file is transferred from one
idiot to another, sadly each one knows nothing more than the other but there
"still waiting" on other idiots to get an idea on the latest updates. * rolls
her eyes*, I wish they can just come out and say it, "we are incompetent,
unskilled, helpless, inefficient, ineligible, amateur, inexpert, unqualified,
blonde, brain dead, boneheaded, dense, empty-headed, idiotic, imbecilic,
senseless, foolish, mindless, deficient and simple-minded people, that is why
your claim is taking as long as it is, and we do apologize for the inconvenience
we have caused you. But am I really expecting a mafia to tell the truth, lol.
The puppets try and drag your claim as much as possible in hopes that you the
customer will get too frustrated and exhausted to argue with them about the
amount they are willing to pay you for your total loss vehicle. Nice strategy
but this can only be used on someone without a brain. I hate the games they
play..... One is, taking advantage of women. The adjusters (males) love dealing
with women since they can trick them into low pay-outs because they assume that
women have no clue about the value of there vehicle. Also there aggressive
attitudes are not intimidating but hilarious, I just hope they catch on one day
that this strategy is stale and ineffective!!
They love to take your money with a smile, it takes .01 seconds for them to do
paper work for that but once they have to pay u it takes a month? really?? What
kind of characteristic does this resemble...hhmm a prostitute who easily and
willfully takes your money, or just a greedy pig who takes and does not like to
share...well either way there low-lives without morals or proper business
etiquette who just do not know how to deal with the public in a professional
timely manner, who truly, truly, truly lack knowledge and common sense. :) |
|
| Wayne | April 5, 2012 6:57:19 PM |
| Hi Brenda. Basically as I stated below to Nikki. Click our link and send us an
email. We can email you back or phone you. I generally do this to make sure a
person is on the level. I always like to talk to a person on the phone first
and get the gist of their story. Leaves me knowing a little more about everyone
in the group as well, and how we may assist you better. |
|
| Brenda | April 2, 2012 6:36:37 AM |
| TO WAYNE.....thanks for asking. i had my lawyer appt. and now wait. Anyone
heard of Dr. Mintz? And how do i join this meeting group? |
|
| wayne | March 30, 2012 11:19:34 AM |
| @nikki..if you click on the mva support group link above, leave us an email
message with your name and number and we will call you, and let you know when
the next meeting is. |
|
| Nikki | March 29, 2012 1:58:18 PM |
| When is the next meeting? I would really like to attend, collective action seems
to be the only way to have things changed. |
|
| Wayne | March 26, 2012 10:07:15 AM |
| Great meeting the other day guys. It's good to know that you are not alone,
and there are other people in the same situation. That is why the mva support
group is here, to help each other, and to make friendships with people who
understand you. |
|
| Mary Ann | March 19, 2012 7:30:05 AM |
Unfortunately, it is true, but that doesn't mean to ever quit doing what you
can to get the medical attention you need, through the funding that is supposed
to be there.
The group is a great resource for injured claimants experiencing
MPI's "bureaucratic chill". |
|
| Against MPI | March 18, 2012 7:34:02 PM |
| Mary Ann:
Thanks for your support. You are 100% correct. See you at the next meeting. |
|
| Mary Ann | March 18, 2012 3:43:02 PM |
@ Against MPI...I hope to see at the next meeting then...because there are
things that can be done. You cannot make the adjuster or case manager
understand your position because the legislation has no emotion or feelings.
I think it is imperative to learn that MPI adjusters and/or case managers are
nothing but androids carrying out the rules of the legislation. Injuries are
not their concern...their only concern is to withhold funding; thus, carrying
out the goals of the corporation. They really like the people that don't fight
or even make a claim. |
|
| Against MPI | March 18, 2012 1:14:18 PM |
| I asked MPI for assistance back in January 2012. As usual I have received nothing not even an
email, letter or phone call. The reason for my request was for MPI to help me manage my pain so
that I could continue working. Unfortunately, MPI does not help people injured in a MVA when help
is needed the most. This leaves BI claimants depressed, frustrated, confused, isolated and angry.
Injured / handicapped people in general do not get proper assistance for living a pain controlled and
productive life due to Manitoban's limited healthcare. MPI disrespects chronic pain claimants and
society continues to ignore/ refuse to help chronic pain suffers. MPI is well aware car accidents can
cause many chronic pain conditions. MPI should help and not abandon. MPI would rather have
claimants go on welfare than help them. So many claimants are not getting the care they need (not
without battling MPI for help) as I am one of them. The MVAS support group is a great resource for
people like me. |
|
| Wayne | March 14, 2012 6:04:29 PM |
| To Brenda...how did it go with the lawyer? I think there are many cases out
there that are, or should be obvious wins. Sad part is, I don't believe you can
sue MPI until your case is finalised. MPI gets to drag it out for as long as
they want. |
|
| Brenda | March 13, 2012 11:33:14 PM |
| to Mare.....what happened on feb. 24th? did you win? |
|
| Against MPI | March 12, 2012 10:55:57 AM |
| The case manager's responsibility is to ensure all the paperwork is properly completed. The
person/family will not know all the rules especially after a serious MVA. Since the accident will be
costly for the rest of the injured person's life MPI is denying based on their own technicality. This is
common MPI behavior. If they continue to use the failure of signing a subrogation form, the MVA
group may be able to provide you some advise at the next meeting. In the meantime do not back
down as it was their error. MPI is trying to save money at the expense of the injured person's /
family's expense. Keep fighting as MPI is corrupt to the core!!! |
|
| Mary Ann | March 12, 2012 12:08:24 AM |
Has anyone ever experienced being in a coma for about 3 months and depended on
doctors and nurses to care for all your needs while you suffered pneumonia, and
other bacterial infections...pain from your skin breaking down due to bed
sores...pain in your joints from spasticity in your arms, legs, hands, knees,
ankles due to tone caused from a brain injury; A clogged tracheotomy; a pegtube
shoved into your stomach? A broken jaw and fractured skull?
And all behind the scenes MPI agrees to provide benefits once applied for and
you are in such pain your joints all start to cease and the nursing staff
cannot pull your fingers straight, or provide proper range of motion because
your joints are just too tight?
Then, again behind the scenes, MPI has agreed to approve arm splints to assist
range of motion and approve special positioning pillows to relieve your bed
sores.
Then MPI decides to suspend your benefits when you are in dire need of these
items to help you survive in hospital; thus, putting your life in jeopardy and
making the hospital's job much more frustrating and you are still in a coma.
All because you didn't sign a "MPI wants their money back" form?
Yet the hospital staff and doctors are doing everything possible to save your
life (no signature required) and provide some comfort while you lay helpless.
Life means absolutely nothing when it comes to their Legislation. |
|
| Lisa | March 5, 2012 7:38:40 PM |
| Brenda: I have used Funk & Strell. They were good from my experience. The MVAS group may be
a good resource for you. Many claimants experience unethical MPI behavior. Fighting MPI is
challenging. They collect our premiums but deny our claims. Good luck! |
|
| brneda | March 5, 2012 3:24:01 PM |
| Hello. I am just entering the internal Review farce, opps, I mean phase. I just
got my file after aSKING FOR 3 MONTHS! Interesting reading.....FYI .....MPI
has surviellance on all claims from the beginning. Mine are 4 days every third
month for 5 years. I had no idea, nor did they that my claim would go past 3
weeks! And also, some of my Self reported Function levels were NOT in the file
they sent me but I had copies of Everyhting i have sent them. Oh, just an
oversight they say. Funny, the ones not encluded were also the ones that
support my case! Has anyone used Funk and Strell lawyers? Or know of any? My
docs all say that this is the case that will go to court and they'll lose
because of "unfair practice". Too much to go into here.....just looking for a
lawyer and has anyone else out there had any dealings with Dr. Carey Mintz? |
|
| Mary Ann | March 4, 2012 3:01:25 PM |
It is a fact that more people are surviving motor vehicle accidents due to
increased knowledge and research within the medical field.
Doctors have a responsibility to their patients in doing whatever possible to
save a life in an emergency situation.
When your life has been completely altered and you are left struggling to find
some way to survive when discharged from hospital in a world you are now
unfamiliar with due to disabilities you never had; you are left to adjust with
no assistance from your insurer. You may not be able to work at what you did
prior to your injuries/disabilities or attend school to learn a new career.
When life as you knew it is taken from you and/or changed so dramatically -
it's devastating!!
You'll be left to go home and adjust and beg your insurer to "consider"
every "thing" you need. Then appeal it, then appeal it again.
Those appeals will impede your rehab and recovery and possibly put you into
further debt waiting for a benefit.
If you have experienced this or can relate - then you have a story that needs
to be heard. The MVA SUPPORT GROUP is here for you. |
|
| Against MPI | March 3, 2012 1:36:58 PM |
| I have not posted in awhile as I have been struggling with my chronic pain from five not at fault
accidents. MPI uses their power & intimidation to not have to help people physically/mentally hurt in
an accident. The money that should be used to rehabilitate / compensate people is used elsewhere.
As more victims come forward with their own horrific injuries, the more MPI will have to acknowledge
their wrong doings. How they have been treating pipp victims is a disgrace. The injuries people
have had to deal with on top of having to deal with MPI can be over-whelming. An injued person
should not have to deal with intimidation & humiliation during the claim process. The support group
is a safe place for victims to support each other. One day MPI will admit they mishandled pipp
claims. The group is solid & strong and getting stronger every day. |
|
| wayne | March 2, 2012 9:53:31 PM |
| Yes, we do have a sad state of affairs here in Manitoba, don't we? A
government that deals with disabled people in this manner? The money was there
to help the injured, but MPI decided not to pay it out. Yet they pay for things
entirely outside of the scope of an insurance company.
All I can say is have faith. You don't have to be in this alone. The MVA
Support Group is here to help. If anything, you can talk to people who have the
same problem.
MVA SUPPORT GROUP |
|
| Mary Ann | February 27, 2012 8:38:02 AM |
All Manitobans paying premiums to Autopac need to know that unless you can walk
away from an accident without broken bones or any internal "injuries" needing
medical attention; you may need to fight for your life and will fight for the
rest of your life for required benefits from MPI.
Any significant injury, will never heal; thus, never reaching maximum recovery
to where your life was at prior to an MVA.
This wasn't considered when NO FAULT was brought in. MPI brags on how good
their system is (blah, blah, blah) and that they have the lowest rates
(remember, it's really a provincial tax) and that they are in it for life
(blah, blah, blah); but in reality, they do the exact opposite of what they
brag about and advertise. (Hipocrites!!!)
Private insurance is cheaper in Ontario for anyone over the age of 25. It's
expensive for younger drivers because they are costly to the insurance. They
pay for their own risks; not everyone else. However, it takes 2 years to get a
license so younger, inexperienced drivers will pay this higher expense for
approx. 7 years, but will have lower rates for many years thereafter.
Again, in Ontario, a lawyer will take care of the paperwork and deal with the
insurer while you are concentrating on recovering from injuries. |
|
| basketball betting | February 27, 2012 8:03:02 AM |
| Interesting. We are waiting for new messages on the same topic!!... |
|
| Adam | February 26, 2012 10:21:10 PM |
| @ ken, hey ken, whos $%!# have you been sucking? MPI is such a $%!# company and is
the most crooked bunch of $%!# s I've ever had to deal with. Anyone who works for
MPI and thinks they are worth something to society is living a shameful life and
if I could kick each one of them in the nuts I defiantly would. Does anyone know a
way to $%!# off the very head chairman of MPI? I was thinking of one day going to
spraypaint on as many MPI shops as I could in one night, writing words such as MPI
sucks or $%!# MPI or $%!# U MPI. who's in to maybe boycott MPI and set up at their
main HQ and start some $%!# with these ignorant $%!# s. |
|
| Mary Ann | February 25, 2012 9:04:43 PM |
There is no need to treat anyone at MPI as a lawyer. They do not provide their
own qualifications; therefore, no need to assume they have any credentials.
They are human beings just like everyone else; although they seem similar to
androids don't they? Ya, I like that description - performing robotic tasks.
They just haven't had to deal with themselves. I've actually told a case
manager before; a computer could do their job - it's all just a matter of
programming.
Keep in mind, mirroring/reflecting can work. It's all in learning how to play
the game. |
|
| Mary Ann | February 25, 2012 6:19:45 PM |
@Mare...it's absolutely true, that MPI puts each and every one of their
claimants into the position of being their own lawyer...purposely, because they
did away with the tort and brought in NO FAULT!!
Claimants are survivors who have to deal with MPI's "victimization" processes.
I will also say; NEVER put your ABSOLUTE trust in anyone at MPI!! They're
treatment is ABSOLUTELY disturbing.
Honestly, I don't think it matters what you say to MPI - it's how you present
the facts!!
Every injured claimant MUST:
- Document every dealing and/or conversation with MPI from the get go
- Get all medical documents and keep on top of those
- Keep records of all appts. and discussions with every medical professional
- Research the PIPP guide
- Research the legislation and regulations
- Research the PIPP Manual CD
- Ask a lot of questions and document it; question everything
- Get all answers in writing
- Make copies of everything and send out with a letter to your premier and
everyone you can think of
- Oh, and hopefully you can do this full time job while trying to attend rehab
and recover to "normal life". |
|
| mare | February 25, 2012 5:17:15 PM |
| warning for everyone who is or may need to be covered by autopac is DONT use
words such as NEVER or ABSOLUTELY.......treat autopac as a lawyer, not as human
beings with feelings.....autopac wants to screw you over and NEVER help you,
they want to drive you ABSOLUTELY crazy and put you in a depression. |
|
| Mare | February 24, 2012 7:49:27 PM |
| thanks for your advice......I will fight autopac on Wednesday and apparently I
have Kirby and apparently he is a horses behind (not sure I can say ass)....I
know the truth will win and I know that autopac will lose their case against me
and I believe the only reason they are fighting me so hard in just in case in a
few years I get so bad that I can no longer walk then they have this whole
appeal behind them.....as always the truth will overcome the evil ways of
autopac..... |
|
| Mary Ann | February 24, 2012 8:32:43 AM |
@Mare again...
Join the group and send an email through the MVA site above. You'll get more
support through the people who know what you are going through.
As for the Appeal, having as much documentation as possible, may help. Don't
look for sympathy from MPI. Play hardball. You know yourself best!!
All I can say, is that MPI has put you in this position...a position meant for
lawyers, not the injured. They are playing with people's health and welfare!! |
|
| Mary Ann | February 24, 2012 7:57:39 AM |
@ Mare....I'm not sure I totally understand...and ofcourse, I don't know your
whole situation, but I'm thinking you should have called the police and made a
complaint on those two guys.
MPI purposely seems to like driving people nuts through their stress tests -
processes of trying to get rehab and appropriate medical assistance. They seem
to like to try and nail people through alluding to "having" illnesses prior to
injuries sustained in motor vehicle accidents. All because they don't want to
pay out!!
Eventually, there will be no doctors to help the injured because MPI contract
them and will have used every one of them at some point. There's only so many
doctors. They're probably paid pretty good for their biased opinions too.
If and when something from MPI makes you shake your head and say, "What? - That
doesn't even make sense!" You are more than likely right...That's what they do
because MPI was not built on making sense; nor was their legislation printed to
make sense. |
|
| Mare | February 24, 2012 7:15:24 AM |
| I forgot to post, I was only off for a total of 4 months and in that time frame
I was in a 6 week work hardening program that Dr Ho from ARC said I needed to
be able to return to work full time. They started to follow me after 3 weeks
in the program. Is Dr Ho now trying to say that his program doesnt work? |
|
| Mare | February 24, 2012 7:11:07 AM |
| How do you win an appeal against autopac???? They spent over $10,000 to try and
recoup $2,000. Three men started to following me when I was 3 weeks into my 6
week program that Dr Ho from ARC on Main Street in Winnipeg put me after he had
assessed me. Apparently he also diagnosed me as depressed but never help me
for those symptoms. HHMMMMMM arent doctors suppose to help you? This program
run at ARC by autopac sets people up. They are not there to help you recover
they are there to set you up. What gets me is that my back is screwed for the
rest of my life and I have to continue fighting autopac. I am in my last stage
and my 2 day court case starts Wednesday. I still cant sit for long periods
without having my back go out. I was training at work for 2 weeks and the
second week of training I was visiting the chiropractor at lunch just so I
could make it through the day. Autopac never plays fair. Once I was no longer
being paid by autopac and they were still following me I went into an adult
store and the men documented what I had purchased, they were even so kind to
put down all of the words off the package like new and improved. So everyone
at autopac saw what I had purchased and everyone there got a good laugh about
that. I wasnt being paid by them why were they still following me, is that not
called stalking? |
|
| Cory | February 23, 2012 12:28:33 PM |
| Mpic is the perfect example of communism our country fought against. When the government
decides what is best for you. You cant argue whith them or even explain. They will treat you with
absolute disregard. I do not have a choice in insurance companies. You must go through them...
The socialist regeme of mpic. It is a disgusting organization. |
|
| Mary Ann | February 23, 2012 12:09:13 AM |
I was just chatting with someone with a couple good statements.
1. MPI is a socialist/communist corporation making decisions in the best
interest of ALL Manitobans. Everyone is treated exactly the same - like dirt.
So, when someone is seriously injured, everyone puts their entire trust in the
government? Does no one make wills anymore, just so that the government won't
take everything you leave behind?
2. Here's a good one...has MPI ever spent money on anything other than claims?
Remember, they're selling auto "insurance".
If your answer is yes, then what? Perhaps, a lot of it goes back into the
province. What does that actually make premiums? More TAXES!!!
3. MPI has the lowest tax (premiums) rates.
Are people naive enough to believe this? Then, I guess they'll believe
anything, because MPI's (taxes) rates are way over priced. |
|
| wayne | February 22, 2012 9:55:08 PM |
| @done4.....you sound like someone I know. I don't know why he settled but, I
guess the money runs out, and we know thats MPI's game plan. You should send me
an email and let me know how it all went down. Don't think I've seen you for
awhile (unless you are someone different) would love to hear the story though. |
|
| Done 4 | February 22, 2012 10:54:22 AM |
| I was forced to settle with Mpic ,After waiting 8 years in the appeal process!
I only received a quarter of what i was suppose to get and due to no income and
financial debt, acquired while trying to keep my family fed and to keep my home
of 25 years! After paying back my family and friends that were so supportive
while i went trough mpi's terror train, i am left with $2390.00! My advise to
injured claimants is to not settle ever!! Make them pay you what you were
entitled to and stick it out to the bitter end! So if you see a guy in a front
end loader weaving around wpg cleaning snow, that would be me high on morphine
so don't get to close!Mpic says that how i can still work, high on drugs! so
thanks Mpic and So much for your stand against ''drunk driving'' |
|
| Mary Ann | February 15, 2012 11:38:04 PM |
MPI is about provincial jobs.
How many employees do they have? How many departments do they have? How many
extras do they do business with?
Fair practices...well let's see...on the webpage it states, "Why MPI needs Fair
Practices". The first line in that section states..."Have you ever had an
experience with a company that left you feeling the company rules were unfair
or self-serving?"
Ummm...No...only MPI |
|
| Mary Ann | February 15, 2012 9:34:23 PM |
@ Alan...there was a time when I wondered the same thing. So, I called an MPI
office in Brandon just to find out what I would pay for premiums in Manitoba if
I moved there.
First, the quote was hundreds of dollars more than what I pay here in Ontario.
Then I asked why anyone would have to have liability if no one can sue and the
woman on the phone said they recommend people that travel to the States get 5
mil liability because the States likes to sue.
So, Manitobans can't sue MPI or each other, but I believe if you cause an
accident out of province or in the States, they can sue MPI for that liability. |
|
| alan | February 15, 2012 4:12:01 PM |
| I agree with you completely, every one should refuse to pay for increase
liability, jest take the basic, because they will never collect even if the
other party has 2 or 5 million liability on there policy . |
|
| brneda | February 15, 2012 11:27:31 AM |
| are there any lawyers in wpg that take and win mpi AICIc cases? or appeals? I
have appealed and won on my own but this next thing is a doozy. And, has
anyone out there had any dealings with a Dr. Mintz? She is one of mpis
pycholgists. |
|
| Mary Ann | February 14, 2012 9:22:33 PM |
Carlyn, you are so right. Wierd, but I was just discussing how MPI treats
everyone equally as dirt.
To put it simply, MPI is way out of control. It just makes me wonder why we
have the military over to Afghanistan. They are needed right here. MPI is not
democracy when there is no freedom of choice to auto insurance.
Injustice (through insurance) just wouldn't happen in Ontario. You get injured,
you hire a lawyer to deal with the insurer. Bad faith? They'd be sued. From
what I've learned about MPI, I would pay double my insurance just to make sure
we keep the private system. I'm in Ontario and my insurance is quite
reasonable and I know I have liability and tort if I needed it. MPI has proven
in many ways why private insurance works!!
I'm not scared of MPI. My daughter almost died and they terminated benefits
when she was in a coma. Her life has been destroyed and we are making the best
of a really sad situation. There aren't too many people in Canada that would
support MPI if I get her story out there. I have had to fight for absolutetly
everything. It is sad!!
They say, be careful what you wish for...I wish that MPI will some day wish
they had never met me. |
|
| Carlyn | February 14, 2012 6:07:35 PM |
I completely agree, MaryAnn. Unfortunately, people aren't as willing to step
forward and make ripples as we'd hoped. MPI suppresses those who do, wearing them
down so much that they have to fight for survival rather than for justice. Or they
stay quiet, hoping that they might be the exception to the rule, and might be
treated fairly. It's very sad. Particularly when those in charge of regulating
this agency turn a blind eye to the injustices.
Don't even get me started about how toothless (useless) the so-called safeguards
are. Fair Practices just wants to make sure we're all treated equally poorly.
Internal Review is largely useless. And Ombudsman only has power to make
recommendations, not to mandate change. |
|
| Mary Ann | February 13, 2012 3:48:25 PM |
Troy, you are more than welcome.
It would be the greatest thing if there was a way to find every single person
in Manitoba that has experienced MPI's ill treatment, belittlement, disregard
to the meaning of insuring, and the list goes on...but can't forget the big
one...bad faith.
They are far from insurance...and the way of the modern world. This type of
treatment should not be going on in this country!! |
|
| Troy Thomson | February 13, 2012 2:43:05 PM |
| @ mary ann, thanks, I have wayne's email, and have been in touch with him in the
past, but thanks for the info |
|
| Mary Ann | February 12, 2012 9:41:23 PM |
@ Troy...I meant the squeaky wheel being me. I have been challenging MPI for 7
years now on my daughter's behalf. And, there's no way I'll ever let them walk
over her. I am a mother bear!!
As Wayne has made note on here, join the support group and send an email
through the MVA site above. Everyone needs support in getting through $%!# on
earth (MPI) in Manitoba. There is always more strength in numbers! |
|
| Troy Thomson | February 12, 2012 9:01:58 PM |
| @ sue be carfully when being the squeeky wheel, as the squeeky wheel does not
always get the proverbial oil when it comes to MPI. I have been dealing with
MPI for nearly 10 years now. I have been a very squeeky wheel, (including being
on the news twice) MPI's reaction to this was as follows; at first they told us
(us as the main problem is my wife treatment by mpi)about still being entitled
to pipp caregiver weekly pca then denied all those benifits as well as
terminating coverage for prescription medication she has needed and was covered
since the mva 10 years ago. They did this by informing us they found a letter
dated 8 months prior to our MVA ( aletter that was mis dated was actually 4
months after MVA )They claimed the ellegible note proved that my wife had a pre-
existing condition and that she was seeking pain treatment 9 months prior to
the MVA. It should be noted that MPI had also aquired my wifes MB health
billing records for 3 years prior to the MVA and there is no billing to ANY
DOCOTOR or CHIROPRACTOR in the time period they claimed and despite knowing
this made there desicion anyways claiming the MB health billing records support
this. Then there is my truck which caught fire and despite MPI claiming that
they could not determine the cause,despite being insured and driven daily MPI
denied the claim. MPI stated Transmission damage as being the squeeky wheel
puts a target on your head with MPI the torn my truck apart top too bottom,
scoped the engine with a video inspection unit torn apart the transmission, t-
case and even though I showed them that the tow truck operator from doctor hook
towed my truck improperly and in a manner now by the vehicle manufacturer to
cause an un-determinable amount of transmission damage they denied this, and
claimed the vehicle was towed correctly, as well they also refused to give any
written reason for their denial as well as any paper work related to it being
towed, I am now working with a tranmission shop and building a civil suit
against doctor hook and MPI. The point that i amaking is this being too squeeky
a wheel MPI will look for a reason to dis-credit you. I will tell you this I am
putting all my paperwork together as a whole regarding MPI's treatment of my
family as they have desparately tried to break us finacially and mentally, and
presenting it to my laywer to file a Lawsuit against the crown corperartion for
BAD FAITH. All that means for us though is another long legal battle, but we
are not going anywhere. |
|
| Mary Ann | February 12, 2012 9:12:12 AM |
Wayne,
You said that quite well. Thanks, your words will help me in making my current
appeal.
The squeaky wheel gets the oil! |
|
| wayne | February 11, 2012 11:14:13 PM |
| Your other option is to go in with a tape recorder or get them to sign a paper
saying that they are going against your doctors recommendations, and are
willing to exacerbate your condition. I love the tape recorder myself, as I
find it makes people act quite differently when they know you have direct proof
of what they are saying or doing. Or tell them you are coming down to their
office at such and such time (my wife has forced herself upon them a few times)
and that you want to talk to someone higher up the food chain. Your initial
claimant advisor is just there to say no, and hope that you walk away. If you
fight them, you will get your way.
I would still ask that you join the mva group, as we have a few people who
have faced the same difficulties as you do. It could prove helpful. |
|
| Wayne | February 11, 2012 11:06:25 PM |
| @Sue... thoughts here, this one sent to me by someone. "I'm familiar with the
BS MPI is trying to pull by telling her to take the bus. This 'puts the fear'
into a claimant, particularly one who can't think straight due to pain/meds.
She should just take the damn taxi if she has support from medical doctors and
then submit the bills asap. This will kick start the appeal process. She
likely can't appeal right now if there is nothing to appeal....we know that
scenario, don't we. At least I do. She needs to do what is best for her to
mitigate any of her injuries turning chronic. Taking a taxi to rehab is FAR
from unreasonable and in fact is permitted, MPI is just trying to see if they
can intimidate her to the cheaper issue. |
|
| wayne | February 10, 2012 9:46:08 PM |
| @sue...if you haven't already, click on the mva group link on this site and
meet up with us. We have a group that might be able to offer some insight. |
|
| Mary Ann | February 10, 2012 7:58:05 PM |
Sue,
There is something you can do.
Did MPI provide you an official decision letter approving the rehab? You may
need to appeal the transportation part of it. If that wasn't part of the
decision letter, then have your rehab therapist or doctor submit a written
request for transportation stating reasons you cannot be walking to take two
buses to your rehab.
You have a vehicle to drive, right; it just causes too much pain to drive
yourself to rehab? In my opinion, MPI should be providing transportation by
taxi. Don't ask them to provide this; tell them you require this and provide
them with health and medical reasons why. It is up to you to hold them
accountable and responsible if you suffer further injury while en route to and
from the rehab sessions they approved!!
Don't forget to get everything in writing. Don't talk to them over the phone.
Use email.
A good reportoire with your doctor, and/or simply a good doctor is important
too! |
|
| Mary Ann | February 10, 2012 5:32:15 PM |
Nikki,
I'm honestly not sure how that works in Manitoba, but did you notify MPI at all
that you were attending school in Alberta when you bought your car and added
insurance? Or, at least discuss anything with them prior to attending school in
Alberta? |
|
| Sue | February 10, 2012 11:20:31 AM |
| After getting hit by a driver who ran a stop sign, I have an extreme whiplash
injury which has left e unable to drive without extreme pain. Now I am being
put on a rehab program 5 times a week (which I welcome) but instead of a taxi,
MPI wants me to walk 25 minutes to my bus stop and then take two buses to get
to the rehab place. MPI is causing further hardship to an already injured
person, and I don't know how they can get away with this! I have never had to
take the bus in my life, why should I have to change my way of life to recover
from an accdient. My doctor said it would not be good for me to take the bus
and he has told MPI this as well. Is there anything I can do? |
|
| Nikki | February 10, 2012 8:25:21 AM |
I am taking a program to get my designation. I have been in school since
January 2010 and I will be done this program on March 30th.
My adjuster asked me to get him a letter from the school which I did right
away. He then told me that my residency will be quetioned and someone should be
calling me. However, nooone has and when I call him there is no call back no
communication at all. If I'm willing to provide everything they need I don't
understand why they won't answer MY questions.
I have been doing research like crazy, but I can only find things on full time
students. I even called driver licencing to ask their opnion as well as my
broker but noone has any answers for me. I tried calling the MPI questions like
and that was useless. They just keep moving me around from person to person.
I didn't have any major injuries just whiplash and bruises from the air bag. I
am just so upset cause I live here with a friend away from my family and then
this happens. My adjuster seems to brush me off when I DO finally get in touch
with him saying the claim is new. I thought they were supposed to help in these
situations... I mean isn't that why we pay insurance? I have never been late on
a payment or done anything to mess with MPI, but I still feel like I am being
treated like dirt. |
|
| Mary Ann | February 10, 2012 7:14:13 AM |
Nikki,
I don't think you should give up.
You didn't mention any injuries - so thank god for that!!
However, you need to look at the whole situation and circumstances. What are
you taking in school in Alberta? How long have you been in school? Is it only
part-time this semester? When do you expect to graduate?
It might not matter as Manitoba seems to have their own rules for many things.
Be skeptical; don't believe everything the broker tells you; they don't know
everything about MPI, and the adjusters at MPI don't offer information like
they should either. You can go online and check through the legislation as well
or on the MPI website. You may find further information about attending school
out of province, etc. |
|
| Nikki | February 9, 2012 1:25:05 PM |
| Thank you for your help. I did get in touch with the registry and they advised the
same thing. I don't understand why my broker would have told me it was ok she did
not specify if i needed to be fulltime. I really wish i had been informed. I don't
know what they will ask me to prove my residency. I have now pretty much paid
insurance on a car for a year, and because its a write off I get nothing back. |
|
| wayne | February 9, 2012 12:54:18 PM |
| @Nikki..okay, she said you should check with the registrar in Alberta
(hopefully you know who that is). Other than that, if you are residing,
working ,etc. in another province for longer than three months, you have to
switch everything over. |
|
| Nikki | February 8, 2012 11:06:17 PM |
| I gave them a letter from the program that I am taking, but the adjuster came back
and told me it was only considered part time. I don't pay rent in Alberta I have
been staying with friends. I still have a Manitoba health card. however i do work
in alberta. |
|
| wayne | February 8, 2012 9:06:27 PM |
| @nikki...the only thing I can find is if you are a student from out of
province going to school in manitoba. Says they need a student sticker.
I'll send an email to myself at work tomorrow as I work next door to a broker
and will try to remember to ask them.
Check for a posting tomorrow, and I'll see if I can come up with some official
paperwork, otherwise MPI will screw you. |
|
| Wayne | February 8, 2012 8:56:33 PM |
| @Nikki...MPI is probably going to ask where you pay rent, where you live. When
you leave the province, you have I believe 3 months to change your license
over. I have heard a similar story where the broker said it would be okay, but
sadly it probably won't.
Where is your drivers license from? If it still Manitoba, and you live in
alberta, you can be charged. You would have to go through the MPI site pretty
thouroughly. There might be an exemption for students, as I have heard a
similar story before. All I can tell you is I work in the military where people
get posted from different provinces all the time. We have to change our drivers
license and insurance, even though we may be going back to our last posting in
two years.
You'll have to do alot of research but MPI sure won't help you. |
|
| Mary Ann | February 8, 2012 6:21:54 PM |
Nikki,
If you are working and living in Alberta and plan on staying or moving there,
then the rules may be different. |
|
| Mary Ann | February 8, 2012 6:17:44 PM |
Students always resort back to home if you are only attending school in another
province, but I'm not sure how that works in Manitoba.
Your driver's license would have a Manitoba address if you are making payments
to MPI. That would be proof that you are still a Manitoba resident. A student
number or ID with the school name would be proof that you are attending a
school in Alberta.
I don't know what more you'd need to prove your residency. |
|
| Nikki | February 8, 2012 4:36:39 PM |
| I have a question; I am a student in Alberta and work full time. I filed my
taxes last year through Manitoba. My family lives in Winnipeg, and I go home
every 2 months to visit them. I was in a car accident and now I am having my
residency questioned. I do not own any property and when I had discussed my
situation with my insurance broker I was told I would be covered. My vechile is
insured in Manitoba and I make all of my payments on time, so I'm not
understanding why this is turning into an ordeal. I am just wondering what I
will need to prove my residency? As I do not have any utility bills or
mortgages in either province. I am extremely scared as I had just puchased my
car about a year ago and have not even paid it off yet. |
|
| Mary Ann | February 8, 2012 12:14:56 AM |
How many claims are going in at MPI in regards to damage to vehicles caused by
city roads?
And, how many of those claims are being approved for repairs?
What would that be costing the Corporation?
I'd be interested in finding out how easy it is to have your car repaired;
knowing the bureaucratic processes in fighting for appropriate funding to
medical rehab for the injured. |
|
| Chris Sweryda | February 7, 2012 4:35:26 PM |
| I find it interesting how MPI claims to care about road safety until it's time to
act. I've done a full review of the infrastructure issues in Winnipeg and how it
is causing accidents. I even found some common issues with many of the
intersections on MPI's list of the most dangerous. The City of Winnipeg won't fix
the issues because it will hurt ticket revenues. I've CC'd MPI on my letters to
the city. I've tried getting MPI to meet with me so I could present them with the
problems and hopefully they can ask the city to make improvements. They say they
only care about road safety as it applies to driver's actions and they do not get
involved or care to find out about any issues that are not caused by drivers.
Thought they cared about road safety. Only seems to be apply when it's for a PR
campaign. |
|
| wayne | February 6, 2012 10:14:55 PM |
| Edouard, were you hurt in an accident? You can hit the link to the mva group
and tell your story to us, that is why we are here.
As far as suing MPI for bad faith, I don't believe you can sue them until you
have gone through all the internal processes and aicac. I would defer to Lanna
on that one though.
However you decide to deal with MPI, patience is required. We are researching
avenues and I have made another contact with a news personality. I won't say
everything I am planning on this site, but any new people interested in joing
up with the mva group, can just hit the link above and send us an email.
SIN Strength In Numbers |
|
| Edouard Lussier | February 6, 2012 4:07:03 PM |
| I would really like to talk to someone. I have an unbelievable story to tell. |
|
| Mary Ann | February 6, 2012 11:33:30 AM |
Something definitely needs to be done!! And it will, in time. Changes are never
easy and things don't change until there is action. It is a long haul.
I think that's the reason this website was created and the MVA Support Group.
Finding people with the same issues and bringing it together and creating
action.
There's another avenue premiums pay for; lawyers. Because, yes, MPI does sue
all the time, and will sue people personally for their money back that is paid
out on a claim. Premiums (which aren't cheap) are supposed to pay for benefits;
people think they are paying to be insured, where, in reality, MPI is only
providing for the least benefits possible, after you fight for it, and yet "on
loan". |
|
| Lanna | February 6, 2012 9:44:12 AM |
| You most certainly can sue MPI. A contract goes both ways. If either party breaches they are open to this
possibility. MPI sues people all the time. Anyone is able to sue MPI if MPI has violated the Act with respect
to a claim. What you will require is about 60 hours of time per week, $200,000. or so for legal fees and
plenty of patience and perseverance. When searching for a lawyer you will need to have them do a conflict
search. I've heard that most of the large reputable firms have a conflict, though I heard this a few years
ago, not sure if it holds true in 2012. Good luck. |
|
| Mary Ann | February 6, 2012 8:41:46 AM |
Brenda, I don't want to discourage you. I felt the same way two months into my
daughter's claim. MPI has continued to act in bad faith since (7 years).
However, MPI plays dirty because it has a huge wall around it called the
Legislated Act.
Those adjusters know exactly what a claimant is in for when one makes a claim.
Everyone is an assembly line of paper work and a job for them. They're not in
it to provide the "best" benefits in Canada. People don't know this until the
time comes. Unfortunately, no one knows when they'll need MPI or what an
accident can do to your life abruptly with no notice.
People need to come together and focus on "A VISION" of how the system should
be and/or what the outcome should look like.
Do people want; choice,lower rates to insurance, the insurer to act in "bad
faith", treatment in respect to the injury, fairness to medical treatment, to
be continuously threatened; or do they want the rebate?
It's extremely hard to get anywhere on your own due to the legislation;
however, on the bright side there is strength in numbers!! |
|
| Mary Ann | February 5, 2012 4:32:41 PM |
In Manitoba, you cannot sue the public insurer - MPI.
In Ontario, you have to sue the private insurer.
I have provided plenty of information below and in previous messages.
MPI acts in "bad faith" because they can. |
|
| brenda | February 5, 2012 3:25:53 PM |
| MPI HAS ACTED IN Bad faith concerning my claim. Tomorrow I am going to search
for a lawyer who, for the good publicity, will take mine and anyone elses case
and go for it. My two doctors feel this is the case that could go to the
Supreme Court and bring MPI to its knees. There must be lawyers that want to go
up against them.......anyone know one? |
|
| Mary Ann | February 5, 2012 9:26:14 AM |
Why is everyone scared that having a lawyer or that the process of sueing is
such a bad thing?
In Ontario, you have to sue the insurance to get the liability that you have
every right to when someone causes your life to change. Law suits don't mean
that you are sueing people personally.
An injury lawyer, in Ontario, has compassion to help one through this difficult
time in your life. When a claimant should be concentrating on healing and/or on
rehab and getting better so as to get back on their feet, or relearn new
skills, whatever the circumstances to the injury may be, the lawyer will take
care of all the paperwork and such in taking care of and making sure you are
getting the benefits you need and have every right to.
And, that's the way it should be. The last thing a claimant should have to do
is research the legislated Act in finding out what they are supposed to do, or
what they are entitled to. Then, they have to start begging and fighting with
the insurer. No one, under those circumstances, should be forced to be dealing
directly with the insurer's adjuster.
Like I've said, every injury is put through the same processes. So, what
injured person in ICU is going to be able to deal with the adjuster? |
|
| Mary Ann | February 5, 2012 9:01:33 AM |
Unfortunately, MPI has made legislation one as that everybody "must" go through
the processes.
If you only need your car fixed or replaced (because material items are
replaceable) - then force them to provide the rental while you wait for yours
to be fixed or for another vehicle.
The "real" issue is, if you suffer any injuries in an accident - whether it
minor or catastrophic - each and every injury has to go through the same
processes.
The adjusters tend to know more about your injury than you or your own doctor.
Bottom line is, they are not doctors and cannot know.
MPI uses their legislated Act as authority over you. They have the monopoly so
that no one can purchase auto insurance from any other insurer. Claimants are
forced to believe that they are getting the "best" care and funding due to the
fact that Manitobans have no choices. Where does that leave people? Traumatic
circumstances put people in vulnerable positions. How many people have met with
MPI under these circumstances and then forgot what was discussed? They use
their "authority" through the Act to take full advantage of the injured. |
|
| harold | February 2, 2012 3:56:00 PM |
| Help!! I was rear ended just about a month ago. they called me and said my car is a write off. I
was rear ended. now they want to do an investigation???? My car is not driveable and mpi took it
to their yard. also my back has started giving me trouble since a week and it keeps getting worse.
Can anyone help me? What options do i have and what should i do to get the payout for my car
and about my back problems?? Please email me at chort_forever@msn.com. this is not the first
time i am having trouble with mpi. i once had to wait 7 months until i got my car repaired. they
are going too far. |
|
| Mary Ann | February 2, 2012 10:03:17 AM |
Like I've mentioned before, no insurer wants to pay out. However, in Ontario
there are allowances;
1. To having a lawyer who helps with all the legal mumbo jumbo. Most or even
perhaps all injury lawyers work on consignment (not sure if that's the right
word) but they get paid once the settlement takes place. And, no they can't
take all your settlement. The court decides that.
2. To having a medical team to help one through their rehab and get adjusted to
such and follow through
3. No "blind opinions"!! That wouldn't hold up in Ontario one bit. Same with
the adjuster having "authority" or "sole discretion".
Just food for thought. |
|
| Mary Ann | February 2, 2012 9:40:19 AM |
Insurance systems
Well, we all know about PIPP in Manitoba. Tightly bound by legislation by a
bureaucratic provincial crown corporation.
Private insurance in Ontario...I haven't had to use this system but am learning
about the coverage.
There are several pots in the Ontario private system;
1. Med/rehab, personal care, income replacement, housekeeping, etc. (basically
similar to MPI, I believe there are differences to the allowances and amounts)
2. Tort - which includes expenses, recognition to pain and suffering and
losses; this includes not only losses to the injured, but to family members
and/or very close relatives; accidents cause huge losses; I'm not sure of the
limits within this
3. Liability - I believe this part is based on the severity of the injury and
one's needs to living with such
All is considered in court and settled. You then move on with your life the
best you can. |
|
| Mary Ann | February 2, 2012 9:28:03 AM |
Just going through some of the past messages.
Nell..how are things going for you? MPI uses standard forms, so you're
correct; the pharmacy won't know the specifics of your injury. Also, if you
don't sign the form, I would imagine MPI will threaten to suspend/terminate
your benefits.
Upon reading the info about driver's licenses;
Approx. $300 in Manitoba over 5 years
$75 in Ontario (set rate) for 5 years...we don't renew every year
Our plate stickers are $37 in Northern Ontario; $74 in Southern Ontario
That's done at a ServiceOntario outlet; not insurance
Always interesting to compare insurance rates though...I pay approx. 1100.00
per year for a 2010 Honda Odyssey...that rate will go down as the vehicle ages
and as long as I am claims free
My 1997 Chevy Venture is approx. $700 per year full coverage |
|
| Mary Ann | February 2, 2012 8:12:30 AM |
| Like they say...there's always an $%!# in the crowd |
|
| ken | February 1, 2012 11:55:56 PM |
| Not an employee wayne just of knowlodge of the industy. |
|
| Mary Ann | February 1, 2012 9:17:20 PM |
@ Ken...there's the bonus right there!! Unionized employees!!! What's in that
benefit package? Or do they actually make you beg for that? Oh, wait maybe
they send those requests to appeals too?
I'm not the one pissed off. Sounds more like you're not happy with the pay
because there aren't bonuses. Well, glad you joined the site and made your
complaint. But it won't solve anything. You'll have to go to the top, the very
top. |
|
| Wayne | February 1, 2012 8:42:02 PM |
| @ Ken... I actually belive I dealt with you once. You were snickering at my
wife as you made your denial. Don't $%!# into the wind Ken, it always comes
back at ya. |
|
| ken | February 1, 2012 7:18:43 PM |
| Ok mary ann I answered the question. Unionized employees of mpi do not get
bonuses or any other special rewards.just like all jobs there are rules and they
have to go by them. Like it or not. I won't post further so u don't get anymore
pissed off then u already. Ps complaining on here going to solve nothing. It
starts at the top, the very top. |
|
| Mary Ann | February 1, 2012 7:15:33 PM |
| Farren, you made my day!! That was a good one!! |
|
| Mary Ann | February 1, 2012 4:13:29 PM |
Thanks Farren, I appreciate that. And, no you don't have to put your last
name...lol. It's just funny how people will pick something from a sentence and
miss the "real" point. And, that is an MPI trait - avoiding the "real" point.
I've learned so much over the years and I have no discrepancies on holding any
information back. I have nothing to hide from MPI. But, a lot of people don't
know how they play. MPI wonders why claimants get so angry and have had to
place security at the admin desks before entering any meeting or appt.
Wouldn't it be a better place if they actually offered guidance and assistance
in helping someone who's been forced to change their life? Injuries and trying
to live again isn't just about money. Claimants need support from a team of
players, such as rehab support, medical support, vocational support, along with
the I.R.B.; everyone's got bills. And, that's what insurance is for.
They don't even recognize the trauma one endures. Where's the post-traumatic
stress benefit? |
|
| Farren | February 1, 2012 3:00:45 PM |
| About KEN. Does he know something or is he just another jerk that think's M.P.I
is great. Or is he the one not getting his bonuses.
Maybe we should chip in and buy him some knee pads. Then he might get his bonus.
Thanks for all the input Mary Anne. Your doing a great job at exposing this
corrupt government we have.
I do not think i have to put my last name. |
|
| Mary Ann | February 1, 2012 1:21:38 PM |
So then, Ken, who is not getting a bonus?
A bonus can be anything over and above regular pay. So, who isn't being
recognized for their contributions in helping the Corporation achieve its
goals?
MPI is all about themselves. Monopoly, greed, control...probably best
describes MPI; and are the perfect ingredients for dictatorship. |
|
| Mary Ann | February 1, 2012 12:01:55 AM |
That would be an assumption, just like who is getting promoted? I don't work at
MPI (I wouldn't be able to live with myself or sleep at night). But, how would
you know that no one is getting a bonus?
You obviously missed the entire point below - MPI won't pay when they can find
other government services to foot the bill.
When you specifically pay for "auto insurance", the insurer is responsible to
provide funding and benefits and need to be held accountable to follow through
on that. |
|
| ken | January 31, 2012 9:18:51 PM |
| So who is getting a bonus then? Mary ann. The answer is no one. Well not sure
about the exects. |
|
| Mary Ann | January 31, 2012 7:45:34 PM |
On MPI's website under "About Us", it states:
"Our people will deliver knowledgeable service with care, efficiency, and
justifiable pride, and will be appropriately recognized for their contributions
in helping the Corporation achieve its goals."
Let's disect this:
Our People...sounds like a cult
will deliver knowledgeable service...MPI doesn't provide services
with care...must mean they carry the file easily as not to get a papercut
efficiency, and justifiable pride...??? oh here they must mean sending the file
straight to appeals
and will be appropriately recognized...hmmm..how and in what way?
for their contributions...this must mean, misinform, use sole discretion, deny,
withhold information, disclose personal information - they don't need consent
in helping the Corporation achieve its goals...and ultimately this must mean
take the policyholder's money - deny the claimant - let them suffer - close the
doors to the office so we don't have to watch - Next? |
|
| Mary Ann | January 31, 2012 1:10:18 PM |
Well, you'll have to let me know your last name, and whether you work for MPI
or not; otherwise, I am under my own corporate direction not to divulge that
information.
Do you know anyone at MPI who isn't getting bonuses? |
|
| ken | January 31, 2012 12:33:21 AM |
| Who is getting a bonus @ mpi mary-ann? |
|
| Wayne | January 29, 2012 4:08:43 PM |
| Shaifia's will get death benefit money from killing their own kids, all due to
no fault insurance. Kind of like car thieves getting paid out. Brian Smiley
says Manitobans love no fault. I'd like to know who he has been talking to. |
|
| Mary Ann | January 28, 2012 11:16:23 PM |
| By zero balance I mean that any money paid out...they want back; and any money
over and above they have to get rid of as in rebates, and what I mentioned
below. |
|
| Mary Ann | January 28, 2012 9:30:48 PM |
MPI works at a zero balance. When there is extra funds at the end of their
fiscal year, they give refunds to make themselves look great!! Any extra money,
they create jobs, make donations, give promotions and bonuses, build new
autopac centres and/or MPI centres.
This is the equation.
Policyholder purchases premiums; then that policyholder has an accident costing
MPI any money; then they sue you for their money back (because they will find
fault). No matter what, the policyholder pays and pays and pays again. Along
with all taxpayers into the Health system.
The entire country also contributes as the federal government provides Health
Transfer Taxes to each province which, in Manitoba, is then distributed to
community services that assist those needing services, including anyone injured
in motor vehicle collisions that MPI won't pay for.
Example: ORGOC (Occupational Rehab Group of Canada) located in Winnipeg offers
Resource Aides to provide attendant care for those in their own homes. A
claimant that needs that service would pay all their Personal Care Benefit to
ORGOC and then ORGOC applies to the Family Health of Manitoba for the
additional funding up to $9,000.00 per month. MPI's maximum payment is approx.
$4,000.00 per month. So, MPI pays 1/3 the cost and the Health system in
Manitoba pays 2/3.
Insurance means to cover losses - not pass the buck!! |
|
| Ashworth | January 28, 2012 7:46:42 PM |
| MPI has a lot of management (way more then the front end staff) with IIC, CIP,
FIIP courses, and the promotions are of people they (MPI management) "likes".
(AND It does not matter if one actually has all the courses/ if you are not
liked)"Golden". Not Even with insurance experience. There have been so many
Assistant Managers, Senior Adjusters and Supervisors, recommending denials on
case files when the case file did not qualify for a denial. So what does the
employee do, when management gives a person file direction to send the denial. |
|
| Ashworth | January 28, 2012 7:27:59 PM |
| MPI started in the 1970's, say 40 years ago. things were good in the beginning
because of the private - "kick-backs" that were going on. So public way was
better - with no kicks backs. So they weeded out and retired that generation.
And MPI build itself as a true public corporation. I believe they did a good job
in the 80's and 90's. But now - in 2000 - things really changed. With the jobs
there is the - who you know - is better than experience. How many people you
know is even better than insurance courses. And OMG if you are a blond
bombshell/or equivalent; that looks good to the Injury Management - you just
seems to move up the ladder so fast. Right now at MPI - experience/(10 years or
more) is considered a 2nd class employee. MPI focuses on STATS - statistics and
not on the HUMAN FACTOR. |
|
| Ashworth | January 28, 2012 7:08:47 PM |
| I do not believe the 8% rebate has anything to do with claim denials. I believe
the rebates are due to underwriting inaccuracy's. MPI really wants employees
with Insurances courses. And for the past many years they hire and promote
people who look good with the courses, unfortunately they do not have the
experience. You can obtain insurance courses in 5 years. And that will qualify
you for promotion, and if you get all the courses, become CIIP or FIIP, they
promote you even more. And so MPI has students and business people running an
insurance company - Two totally different thoughts of thinking. |
|
| Mary Ann | January 28, 2012 11:35:38 AM |
Has anyone heard of the PIPP "Manual"? This is not the same as the
PIPP "Guide".
It is a CD that your Adjuster can send you for $25.00.
This wasn't willingly mentioned or offered to me until 5 years post injury. I
had to question them as I needed to make sure I understood that it was
different from the PIPP Guide. So, you have to ask and of course pay for it. |
|
| Wayne | January 26, 2012 7:41:29 AM |
| @susan....the third party liability is if you hit someone from a state or
province who has the "right" to sue you. As in their govt cares about them and
has not passed a law not allowing you to sue as in manitoba.
He was payed money because under no fault insurance, everybody falls under
it's tiny umbrella of coverage. If you let your driver license lapse, and
didn't put insurance on your car, you still have coverage under no fault. That
is why good drivers like me still pay $1200 a year for a 11 year old car,
because we have to pay for everyone elses misdeeds. |
|
| Mary Ann | January 25, 2012 9:45:43 PM |
| So, I'm wondering at this point, how would "No Fault" discourage motor vehicle
theft? Sounds to me it would only encourage crime to the extent that if a
criminal gets injured, they'll receive a pay-out of some sort. |
|
| Susan | January 25, 2012 6:39:42 PM |
Wayne,
The money for the thief came from the victim's 3rd party liability. Am I right? |
|
| Wayne | January 24, 2012 10:17:46 PM |
Taken from Macleans magazine/ Jan. 30,2012/ page 6
You write that "Manitoba's publicly owned insurance company handed out $41,000
to eight convicted car thieves injured in stolen vehicles between 2006 and
2011" It gets worse, though: one individual who stole a van, crashed it and
lost his leg, received somewhere between $30,000 and $60,000 from Manitoba
public insurance, a routine payment for the loss of a leg. We also paid for his
10 prosthetic legs over the past seven years. Brian Smiley, spokesman for MPI,
says, "Manitobans love no-fault insurance." Well, we know the criminals sure do.
Wayne Franklin, Winnipeg
(they sure changed my wording alot and added a few things in, he was driving a
van? he's had 10 prosthetics? Apparently Macleans knows more about it than I do) |
|
| Carlyn | January 22, 2012 6:47:56 PM |
My statement shows $45 base driver premium, plus $20 driver licensing charge =
$65 per year. My merit points give me a $25 discount, so I pay $40 per year for
my drivers license.
Additional charges are vehicle registration fee, insurance cost, and interest
and administration fees, because I pay quarterly rather than annually.
I don't see any additional charges to be able to drive someone else's vehicle. |
|
| Wayne | January 22, 2012 2:51:14 PM |
| In MB we pay roughly around $50 a year I believe. We also pay insurance yearly
to be allowed to drive other peoples cars. So we would be paying somewhere
around $300 for our 5 year license. Anyone can correct me if I'm wrong in my
figures here. Pretty expensive for a drivers license though. |
|
| Mary Ann | January 22, 2012 1:12:07 PM |
So how would one go about renewing their license if it suspended? And, what fee
is MPI charging for that?
Here we pay $75 for 5 years, and our plate stickers in Northern Ontario is $37
(Southern Ontario - Toronto is $74) per year.
It really is too much control to be in the hands of a provincial corporation.
If MPI gives you a bad rep; which they could, and if you moved out of province,
they could cause big problems for your license to be changed too, couldn't
they? |
|
| Wayne | January 22, 2012 10:11:43 AM |
| With the drivers license everything has changed. You are referring to the old
system and the new. Your old license expired after a year, so if you didn't pay
it, you had no license. Now, you have to pay for your license every year, BUT
the date on your license is for 5 years, thus they have to suspend it. Some
people think they pay once and that is it for 5 years; some people move around
and don't change their address and don't pay, that is why they have no choice
but to suspend it now.
Now, none of this should matter if you never leave the province, as an
unlicensed car thief who causes an accident is covered under no fault. |
|
| Mary Ann | January 21, 2012 9:18:13 AM |
Hmmmmmm.....
Like I've mentioned, I live in Ontario and my license expired (only two days,
but it was expired)...so I went down to the nearest Driver and Motor Vehicle
Issuing Office and renewed it. No problems whatsoever. I believe if one's
license expires for more than one year, then it's a bigger problem. |
|
| Ashworth | January 20, 2012 8:42:23 PM |
| would you believe, if you do not renew your driver licence on time. "MPI" NOW
HAS "THEE POWER" - as per "MARILYN McLAREN" (She likes POWER, power, power)- to
have your driver licence - SUSPENEDED- instead of just Lapsed. A "Lapsed"
licence in the past with Motor Vehicle Branch- MB Govt regulated, just needed to
be renewed. SAY - if you are out of the province or country at the time of
renewal you are allowed to renew your licence when you returned with no problem.
OH - NO - NOW - MPI HAS SO MUCH POWER - MPI will suspend your driver's licence
if you do not renew your Licence "on time". Suspend a Licence if it is not
RENEWED - WOW. IS THAT - FAIR - WOW MARLYN does seem to have "THEE POWER" |
|
| Mary Ann | January 16, 2012 8:25:48 PM |
| Also Wayne...you are absolutely correct about having to deal with MPI for the
rest of your life (with no lawyer). In Ontario, you do sue (with a lawyer) and
never have to deal with the insurer again. Although, it's not to say there are
no headaches in the process. You still have to fight for an adequate
settlement, based on the injuries of course. |
|
| Mary Ann | January 16, 2012 8:13:21 PM |
Hi Wayne,
Glad to hear from you. I've sent a message in the MVA site, so I'm hoping you
get it.
I think the reason for the backlog is because the "adjusters" can't handle
medical requests in regards to injuries because they are not doctors. Anything
over and above their jurisdiction within the corporation (which really isn't
much) they send to Appeals.
Just to let you know, I do live in Ontario with my daughter who was injured on
Hwy 17 west of Kenora and east of the Manitoba border. She was actually living
in Brandon throughout 2004 when she was severely injured. She spent 3 weeks at
the WHSC. I lived in Ontario, so the WHSC shipped her to an Ontario hospital (3
weeks here) for acute care as soon as they could, then she went to a rehab
hospital (13 months). I have been advocating for her since.
From what I have learned (7 years) in dealing with MPI, and how they've treated
my daughter with catastrophic injuries - I just can't imagine what they are
doing to some of the most vulnerable claimants there.
I would just like to help out in any way I can.
Please feel free to use my contact through the MVA site. |
|
| wayne | January 16, 2012 4:49:00 PM |
| Hey Mary Ann, I have been looking through our contact list and cant seem to
find Mary Ann anywhere, so if you want to send me an email, through the mva
site, then we can start a dialogue.
The wife was supposed to start the mediation process on friday, but she was
sick, so it will be another day. The reason there is such a backlog, is no
fault insurance. With tort, your lawsuit is settled, you walk away, done. With
no fault, you are never done with your insurance company as you always need
permission for a treatment or a new medication. You are bound to this province,
and if you ever moved from the province, it would be soooo much harder to fight.
Looking forward to holding a meeting in the very near future. |
|
| Mary Ann | January 14, 2012 10:03:21 PM |
Carlyn,
I wasn't aware of the mediation pilot project, but I just glanced over a couple
of articles on the net.
It sounds to me that due to the adjusters' denials to everything and forcing
every request to Appeals that they now have a huge backlog of appeals waiting
to be heard and/or decided on. "Surprise"...did anyone see that coming? There
is absolutely no reason for the backlog of Appeals.
This process in itself impedes rehabilitation, and MPI needs to be held
accountable because they are supposed to assist rehab, not set it back.
My opinion on that and it's only an opinion, and dependant on what the appeal
is for, but it sounds like they are creating jobs for 2 years in just trying to
get as many appeals through the process as quick as possible. It doesn't sound
like this process is going to make any difference to the Appeal itself. |
|
| Mary Ann | January 14, 2012 9:31:47 PM |
Nell,
All insurance companies will research all previous medical history prior to an
accident. My thoughts are that MPI is just wanting to know your prescription
history 2 years prior to your accident date.
They are covering their bases by checking into whether you had a previous
illness or such...but if you had a clean medical history, I wouldn't worry too
much about it...it could actually be a good thing on your part. However, it is
your choice whether to sign the form or not. Personally, I've given them
whatever they've asked because I have nothing to hide from them whatsoever.
Remember, get everything in writing because then you will always have a record
of everything. Email is best, and always CC or BCC yourself. This way if you
don't hear back from them you have a copy of your own email and can forward it
again.
I hope that helps somewhat. |
|
| Carlyn | January 14, 2012 2:03:13 PM |
Has anyone successfully completed the new mediation pilot program? Is it worth
the time and effort? Or better to wait for AICAC hearing?
I know that I can still go to AICAC if mediation fails. I'm finding the thought
of filling out all the paperwork to get the mediation in place rather
paralyzing... |
|
| nell brabant | January 14, 2012 9:15:51 AM |
Mary ann
Hi..I got the letter for mpi its a release to pharmacy....which states "provide mpi with information regarding the injury I sustained in this accident from the date of accident and including up to 2 years prior to the date as that history relates to the injury I sustained"
1 how does a pharmacy know what injury I've had all they do is fill scrips
2 I signed a dr release 6 months after accident for 5 years prior and there was nothing
What a mess.....and they must think I am stupid that I think the pharamcy has the information.......please
I am not signing these but will respond to them in writting |
|
| mike payeur | January 12, 2012 2:01:45 PM |
| here is a brief account of the mpi dictatorship.i was stoped at a dakota indian
smoke shop by dakota police the reason they were interested in me because i was
driving a porsche.after a few minutes conversation they asked if i was drinking
i was not.two failed attempts to blow on there prehistoric breath sample
machine they charged me for refusal.mpi suspended my class 1 lic. on the spot
for 90 days which took about 97 days to get back.lost my oilfield job 106k per
year.car impounded 90 days.and i was diagnosed with a medical condition from a
dude at the addictions foundation who"s credentials are that he drank a million
gallons of whisky and found a way to quit.now i am not guilty of anything it
blows my mind.now i have to get new job and my abstact says i had a 90 day
admin. susp. and a medical condition called alcholism.....wow i cant beleave
how ignorant and disrespectful these idiots are im suing by the way. |
|
| Mary Ann | January 12, 2012 12:22:43 AM |
| Thanks Wayne. Sounds great. |
|
| Wayne | January 11, 2012 11:02:36 PM |
Everyone might want to pick up a current copy of Macleans magazine. The story
is "99 stupid things the governement did with your money". MPI came in at #52
for giving away $41,000 to car thieves who were injured while stealing cars.
To Mary Ann: I am taking over the support group again,as Adrian has asked me
too as he is pretty busy right now. There will be more meetings, just getting
organized again. Adrian has sent me the contact list and I will send you an
email soon. |
|
| Mary Ann | January 11, 2012 4:04:37 PM |
To Adrian Halpert,
Is it possible for a MVA Support Group meeting to be held sometime this spring?
I need to contact catastrophic survivors suffering life-long alterations due to
a motor vehicle collision and/or their family members. Anyone who cannot attend
school for retraining or obtain competitive employment and/or any claimant who
can that MPI won't help or assist funding of these. |
|
| Mary Ann | January 11, 2012 9:18:34 AM |
Nell, I can't even imagine the pain you must have. Can I ask you how long has
it been since your experience with this injury?
You should be receiving rehabilitation services through an Athletic Therapist,
Physiotherapist, and whatever else is available to you. Do you have anyone
helping you at home with light housekeeping, personal care, etc.? You may need
to get an Occupational Therapist to assess that as well. And, MPI should be
paying for all that.
Do you need modifications to your home due to your injury? Or, any equipment to
help you with personal care each day?
Just as much as a claimant is to do whatever they can in helping themselves
through rehab, MPI is to do whatever they can in assisting that. It is in the
Act that they must do that; however, I know they do impede and create hurdles
throughout the rehab process due to their appeals and such. That is another
area where they must be held accountable. They have to assist in every way
possible to help you reach your rehab goals.
Whatever you do...do not talk to anyone from MPI over the phone or in person
unless you can record it (make sure you tell them you are recording the meeting
or conversation). You have the right to tell them you want everything in
writing and request that they email you.
Any questions you have...please don't hesitate to ask. |
|
| nell | January 11, 2012 4:15:22 AM |
| Thank you....your right..I explained I also just went and had a injection in my spine..trying any thing to help the pain...her first response well it should be better...then mentioned because of "what" I take for meds.....wow I'll not take them and roll on the floor in pain...I wish it "was better" I wish it had never happened...but it did so now I have to live with it....but when your hit by some one running a red light..why should I pay in $ as well as pain!!! Your comments at least have me back fighting...thank you |
|
| Mary Ann | January 11, 2012 12:09:11 AM |
That is absolutely correct! MPI does act in Bad Faith and they are also self-
serving! They also like to twist things around and create massive webs of
confusion to redirect the claimant and all within a bureaucratic system.
Yikes!!
Their goals are to create jobs and employment in Manitoba and maintain their
own positions. Why is there an Autopac on every corner in Winnipeg?
This is written in "About Us" on the MPI website. The adjusters are recognized
for their contributions in helping the Corporation achieve its goals. In what
way are these adjusters recognized? Could they be receiving promotions through
making denials and saving money for the Corporation; thus, achieving its goals?
Is the Corporation's survival dependant on the greed of taking from others
(paid premiums and licenses) and letting catastrophic survivors suffer upon
these gains/goals?
The PIPP stands for Personal Injury Protection Plan. Protection of what? |
|
| Mary Ann | January 10, 2012 12:39:14 PM |
The other thing I would like to inform people of is that MPI highly (very
highly) relies on their medical "Health Care Services" team's "blind opinion"
which provides their basis to which the adjuster will provide a decision
(prescription) whether to fund (approve) or not (deny). The claimant's health
and welfare to life and living is based on an opinion! And is prescribed by the
adjuster!! This is not only an outrage to Manitobans but is disgraceful to be
happening in our country!!
It is important that people seriously injured in a motor vehicle collision make
sure they can get a medical team of their own as these are the professionals
working closely with you.
MPI's Health Care team are, in my opinion, cowards because they won't assess
the claimant in person and MPI keeps them barricaded and locked behind closed
doors (there is no policy to this; there is nothing stated anywhere that says a
claimant cannot meet with the Health Care Team, but MPI won't let you near
them) reviewing paperwork that doesn't contain all the necessary medical
information and details that it should. The adjuster is the only one who knows
what information is even provided to their Health Care Team from a claimant's
file.
That is the process of how a claimant's benefits and funding works. |
|
| Mary Ann | January 10, 2012 11:12:09 AM |
Nell,
Don't be intimidated by MPI!
As frustrating as it is...write nasty letters in office word program and then
delete...but get the anger out first, then think about how you can go about
getting what you need. MPI are not "friends" and they have no sympathy. You
have to learn how they work and learn the legislation/regulations. You are
representing yourself, so you have to advocate for yourself and your everyday
life as it is now!!!
You should see your doctor or specialist and have him/her fill out a form or
write a letter saying that you "need" the prescription to function in every day
life. If your own doctor doesn't agree you "need" the prescription, then you
have to ask what you are supposed to do to be able to get out of bed and
perform every day living tasks. I don't know your situation, and neither does
MPI's barricaded Health Care Team reviewing paperwork, but perhaps, ask your
doctor what options you have and if you should be attending physiotherapy
and/or exercise daily at the gym, along with massage by an Athletic Therapist,
and any "other" medications you could try. If your own doctor won't help, then
make an appointment to see an Athletic Therapist. Together this may be an
option and MPI has to provide for that!!! I'm not kidding, you have to learn to
play the game. They are liable and have to be held accountable in making sure
your life is as close as possible to what it was before your injuries. They
won't hand you anything on a gold plate. It is up to you to make sure you
received what you need. They may make you appeal, and if so, get the paperwork
needed and make the appeal. |
|
| Susan | January 10, 2012 10:47:08 AM |
Mary Ann
You are right. They even say to sue the Queen herself. It gets their
attention. Apparently someone has won. I am still doing some reasearch. and
will let you know when I find more out. If you want to email I'm at
susanmary1958@yahoo.ca |
|
| nell | January 10, 2012 9:40:30 AM |
| Wow.....I sent in medical forms.....now I find because of what I am taking for 2 herniated disks its being reviewed........yeah I do need pain killer because it hurts I've also had injections in my spine and physio..........she said they have a "list" and hydrocondone is on that list......so now they want a list of all meds I've been on from pharamacy ........wow...I am just about ready to say forget it........not that I have a thing to hide....I don't ......I just don't need the bull $%!# on top of the pain........... |
|
| left legged limper | January 10, 2012 9:35:38 AM |
| one way we can start a "acting in bad faith"law suit is ..when those people
that had stolen a escalade in winnipeg.they crashed into that poor cab
driver..well the one person that was in the stolen escalade lost his leg below
the knee.. HE was payed out..he didn't have to go to court.(my thoughts are MPI
pays out a criminal..the same person that stole a suv,but me as a working
person i have to spend over 40000.00 to get coverage for a broken heel broken
ankle.all with xrays to prove it..there is something really wrong with the
system. |
|
| Left legged limper | January 10, 2012 7:12:10 AM |
| MaryAnn & Susan; all we have to do is prove that MPI is or was acting in BAD
FAITH in regards to our claims.I myself can prove they are acting in bad faith
beyond a reasonable doubt..ITS a matter of finding a lawyer,That wont suck us
dry. |
|
| Mary Ann | January 9, 2012 9:34:26 PM |
Susan,
I'm a bit leary, but am interested in finding out how that would work. You
can't sue MPI if it was a motor vehicle collision. Steven Fletcher hasn't been
able to get that far yet and he is an MP at the federal level in Manitoba.
It would take a large group with the same interests and/or reasons in filing a
class action law suit at the Supreme Court of Canada level, maybe.
Can you provide more information on that somehow? |
|
| Susan | January 9, 2012 8:12:00 PM |
| Have found out how to go about sueing MPI. If anyone is interested I wondering
if you would be interested in doing it as a group. |
|
| left legged limper | January 6, 2012 7:44:06 PM |
| TO; ANONYMOUS..some of us did get a lawyer,and let me tell you. WHY? should a
person that as never had a injury or health problem in his entire life,have to
get a blood sucking lawyer to recevie compinsation for a subjective
injury."subjective" means xrays that show broken bones and a deformed heel.and
then when i win i have to pay said bloodsucker 3/4s of what should have been
mine to begin with..Anonymous i dont wish bad luck on any one,BUT i really do
hope you yourself gets in a vehcile accedent,then you will come to understand
what the rest of us are saying.like my case .i have never been hurt.perfect
health my whole 46year life.. the only time i saw a doctor,was to get a
physical done, to keep my class one license.then one day i fell off a trailer
broke my heel and a ankle bone,all with xrays to prove it.It took 2 and a half
years of constant fighting to get covered... IN that two and a half years i
just about lost my house,and i did lose my half ton and my good credit
rating.AT first i was a shamed,cause i couldnt provied for my wife and three
kids.THEN i realized this wasnt my fault,after all thats why we get INSURANCE,
or so we all thought.you know how i survived???.I had to lower myself to
breaking in to train box cars and selling drugs to feed my family..I dont even
have a criminal record.Some times i was hoping to get caught, couldn't wait to
get in front of a judge to relate my story,TO TELL HIM IT TOOK A GOVERNMENT RUN
ENTITY TO TURN ME IN TO A CRIMINAL just to feed my family and keep a roof over
their heads..NOW I DONT FEEL SO ASHAMED.. |
|
| Adam | January 4, 2012 6:45:50 PM |
| MPI is the worst thing Manitoba has to offer. They are crooks. If I had the chance
to speak to the chairman of MPI I'd tell him to $%!# and $%!# . I hate MPI
with a passion. They think they're soooooo good and sooooooo helpful for Manitoba.
But they are not, I wish they would all $%!# in leave this city and everyone who
works for MPI can cry me a river. Of course that is in a perfect world where MPI
would crash and burn, if I won the lottery I would dedicate all if it to try and
get rid of this piece of $%!# company. I love that there is finally a place I can
say these things where people who are for and against MPI will see it. Anyone who
is pro MPI and believes I am wrong well let me tell you that YOU are wrong and you
as well can come $%!# . |
|
| Lisa | January 4, 2012 3:12:25 PM |
| People like Mr/Ms Anonymous should keep their rude comments to themselves. I
recommend that Mr/MS A. attend a MVAS Group meeting to hear all the sad stories
about how people's lives drastically changed after they or someone they loved
were in a MVA. Our group has been on TV, have gone to the legislature and
participated in rallies. We started a petition and have spoken directly to
members of legislature. We have attended countless MPI and political meetings
asking for a change to the current no fault system. No Fault in Manitoba
actually means bankruptcy, chronic pain, surgeries, countles medical appts. for
those that have been injured. Adrian is right, just ignore his/her ignorant
comments. Mr/Ms A. is not well educated. If Mr/Ms A. was educated, they would
not have posted such a rude comment without doing research first. Most injured
people are not asking for million dollar settlements. Mr/Ms A., most injured
people want their medical costs covered and their wages covered if they can't
work. Those are 2 of many many many claims constantly being denied by MPI.
Getting basic expenses paid by MPI is virtually impossible. Mr/Ms A., I hope
you never get hurt in a MVA. |
|
| Adrian Halpert | January 1, 2012 5:35:58 PM |
Mary Ann,
Don't even bother with 'Anonymous', obviously just an uneducated troll who
either doesn't realise what a garbage system we have, or knows it and is trying
to get a rise out of people. Idiots like that just aren't worth your time. |
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