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| BanjoBob | December 28, 2013 4:28:35 PM |
| I saw in a recent newspaper article that NDP support in Manitoba is slipping.
Might be a good time to get the Manitoba PC party to go on record BEFORE the
election as to how they plan to fix MPIC. Always better to be able to say to a
newly elected MB government, "here's what you declared you'd do about MPIC
(while in opposition)" vs "no you must be mistaken, we didn't say that". Good
luck Manitobans! |
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| Mary Ann | December 23, 2013 12:08:11 AM |
Hi A,
It is all confusing. It doesn't help when there is no lawyer to help figure
those things out for you.
Just for example, if someone breaks a leg in an accident, the injury is
assessed and the claimant will have physio and/or any surgeries; however, once
the leg is as healed as it's going to get, that's when the permanent impairment
would be assessed and provided. The payment is not determined by the injury at
the time of the accident, but rather once it is healed to where it won't get
any better.
Also, the claim should be left open, because any major breaks to bones may
cause future pain and/or complications as a person ages. Med/rehab has no
limitations and should be available when needed.
Hope that helps. |
|
| A | December 22, 2013 4:50:10 PM |
Hi Mary Ann,
Thank you for the information. I'm still confused but will try to figure it out.
Take care,
A |
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| Mary Ann | December 15, 2013 9:37:16 PM |
To A
In the legislation there is a section for the permanent impairment payout; I
can't remember the Section off-hand. This benefit is not determined until a
person's med/rehab is complete, depending on the injury of course. However,
there are no limitations in the legislation on med/rehab.
Med/rehab is Section 138. Check the 2012 Auditor General's report to see if
there is anything in it that MPI has not informed you of. That can be found on
the web through Google.
Lots of reading, but worth it. |
|
| A | December 15, 2013 4:45:05 PM |
I have some questions about permanent impairment assessment.
Is this usually done one year post accident? If you might have more surgery on
an area but not for a very long time, does mpi have the right to delay your
assessment on the grounds that you may have more surgery.
Are you compensated for an injury that happened (i.e. a deviated septum and
smashed nose)if you then have it surgically repaired?
Do plates left in your body have specific or any payout?
I found the link to the legislation about each impairment and its payout
(extremely detailed and confusing), but is there a link anyone has found about
when a permanent impairment should be done?
Anyone's feedback will be appreciated. Thank you. |
|
| Jamie | December 15, 2013 7:41:31 AM |
| I was recently in a accident and followed everything i was suppose to do. I was
very honest with MPI and because of mistake made by them I'm being told that I
will not be covered. I recently trade my car in and bought a truck and when I
changed my insurance "the agent changed to Pleasure when I always have carried
all purpose". So now i get to drive a unsafe vehicle with my 5 year old son.
MPI is a monopoly and they know it and they are trying every way to get it out
of doing what is right. |
|
| Cj | December 5, 2013 6:44:52 PM |
| I had a wildlife collision with my 07 cobalt in october , 6 grand in damage .. but
a week after i got it back the engine blew , didnt even have 120 k on it , 2 days
before the accident it was in the shop for a full check over , started banging and
knocking when they drove it on the tow truck , they fixed it and replaced a sensor
. now its in the shop , autopac had them strip the engine , and theyy just told me
autopac wont cover it and i have to pa for the tow and the work the did , plus the
repairs if i want them to |
|
| Nicholas H | November 28, 2013 4:14:40 PM |
| I recently received my drivers license her in Manitoba and had no problems
receiving my license at a good standing. All of a sudden come time to renew my
drivers license I get a letter in the mail stating that I owe more money for my
license. So I goto the MPI office and basically the DUI I received in Alberta
10 years ago (I paid all fines infact when I left I was classed in the exclent
range due to no more tickets or anything) that now I have to pay $500 for
something I all ready paid for. I mean come on even there my insurance rates
were very low now I get this whats going on?????? |
|
| wayne | November 23, 2013 1:36:39 AM |
| MPI, I don't even know if you can call them an insurance company. They are like
the pipsqueak in the school yard mouthing off, because they have the biggest kid
in school (MB govt) backing them up. Of course a chiropractor can't overule a
specialist, but you have to be prepared to sacrifice a lot of your time and
sanity to fight them. Try the manitoba human rights commission. It sounds like
bigotry and sexism at plaY. Oh wait, can't be as MPI treats everyone that way.
Would still try human rights though as it sounds like something is going on. Why
would MPi not acknowledge someones pain? This province and its govt sucks. |
|
| Mary Ann | November 21, 2013 10:10:07 PM |
To Omar,
I have said it many times before...MPI's consultants make "blind opinions".
They DON'T know exactly what a claimants' needs are. Third party opinions are
allowed; however, it's what the adjuster or case manager does with those "blind
opinions"!!
Case managers are NOT Medical practitioners and are NOT qualified to provide
approvals or denials based on "blind opinions" to anyone's medical and health
information. How can they have authority over a doctor?? The process used to
provide approvals and denials are completely invalid!!
To Teresa,
Trust...your own gut instinct. I have learned probably too much over the last
10 years through dealing with case managers. You have been sucked into
the "have sympathy and understanding for us because we gave you a rooky case
manager". Don't let your guard down too soon. |
|
| teresa | November 21, 2013 6:32:15 PM |
| I was finally able to talk to a supervisor and she was of great assistance to
us. She explained that Trevor was unaware of how certain rules work.
Hopefully he will be a much kinder adjuster. I truly hope so. God Bless All
(including Trevor) |
|
| Teresa | November 21, 2013 12:54:06 PM |
| I was wondering if anyone has had to deal with an adjuster named Trevor
Thompson? My son and I have had to deal with him, and it has been horrible.
He plays all these games that are so childish. I have had car insurance for so,
so, many years and I have never dealt with someone so arrogant. He seems to
think we are so ignorant that he can just run off with his mouth and we should
buy into it. |
|
| Omar | November 21, 2013 2:36:49 AM |
Wondering if I can get some help here.
My was in a car accident in feb 2011, she had trouble with her right arm because
of her accident, and broke it in near her wrist. Things were going fine, until a
few months ago, she was getting her income replacement and had treatments she
has gotten slightly better but according to the specialist doctor at Pan Am
clinic she has broken it in a place where she will always have ongoing pain.
As soon as this well known and respected doctor made this diagnosis, MPI got a
consulting firm and an occupational therapist involved that got her to go take
treatements from united therapists, after 6 weeks or running a treadmill, and no
work on her injury the chiropractor at united therapists has signed off on her
going back to her old job.
She has no problem with going back to work, she loves to work, but she had a
heavy job before, and now the only thing they want her to do is to " work with
the pain" she comes home and ices and heats, her arm before she sleeps and is in
constant pain and dreads going back to work, she is a hardworking immigrant
woman that I think is being taken advantage of because of her lack of language
skills. She may not be "educated" but she sure as $%!# isn't an idiot.
I am wondering if anything can be done? no one seems to be helping and they keep
feeding her the line of b.s that shes fine to go back to work, which is fine but
not at her old job. It seems the people at united therapists are idiots save the
kinesteoligist Craig who seems to be a top notch guy, but how does a
CHIROPRACTOR send some one back to work! when a recognized orthopedic surgeon
has said that her injury is very fragile and permanent?
any advice on how to proceed would be great. |
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| Mary Ann | November 4, 2013 8:53:43 PM |
Rick, there's no closure or settlement in Manitoba. MPI is in it for life and
the INJURED VICTIM has to fight for themselves for every little thing. It's a
bureaucratic system so the right hand doesn't know what the left hand is
doing.
I've had to fight and keep on top of all their tactics and have received 7
years of med/rehab for my daughter as she was also in a coma and suffers
cognitive and physical impairments.
Your mother in law would have suffered catastophic injuries and should be
receiving income replacement if she was working at the time of her accident,
she should also be getting some sort of personal care depending on her
inabilities. She should also have received a permanent impairment payout.
It all depends on how much a person can fight and stay on top of it all.
Catastrophic survivors are seriously being taken advantage of. |
|
| rick | November 4, 2013 4:38:32 PM |
| i wonder what ever happened to my late mother in laws claim.she got hit by a young
teenage speeder on a crosswalk.Ended up in a coma,nearly died and went through
about a year of therapy.had steel plates in her leg and that was that.like wheres
the justice .i believe the young guy should pay for what he done all she got was a
check for 12gs i dont believe thats enough especially for all the years i watched
her suffer.mpic kinda just brushed her off without a settlement or closure .wheres
the justice. |
|
| Banjo Bob | October 29, 2013 5:56:17 PM |
Re Jim's comments/question
I believe you can "appeal" this accusation by indicating to MPI that you wish to
appeal, and paying $50 for that priviledge. All the evidence is reviewed by an
independent adjudicator who then rules on that evidence. That might be your
easiest route, at least at the onset. Here is the link:
http://www.mpi.mb.ca/en/Claims/Vehicle/Collision-Appeals/Pages/liability-review.aspx
If the review results in a favourable decision for you, you get your $50 back |
|
| Jim | October 28, 2013 7:23:43 AM |
| I was recently accused of having a accident. MPI says there was a witness.
Happened at night time. When I was informed that I was in a "accident", I went to
RCMP the same day and they inspected the whole vehicle and said that truck was not
in any type of accident.(Lots of pictures to prove) MPI says I'm 100% responsible.
My question is - To take this to small claims court to have a Judge review the
case, do I take MPI to court or the person who claimed I was responsible? Ans who
at MPI do I serve? The supervisor of the claim centre? What a pathetic system we
have in Manitoba. Any suggestions would help. Thanks |
|
| Kris | October 17, 2013 5:42:37 AM |
mpi's actions are odd as this government corporation dictates that you must have insurance from
them or don't drive at all yet,being forced to buy something is against the law.imagine if you are
mugged and the government said its ok because it's us mugging you.
The most notorious gangs that existed have nothing on governments.
Gangs have handguns,knives and shotguns.
Government has helicopters, airplanes, bombs,(even nukes)chemical weapons and, the law which
THEY created,malign to their convenience and force down your throat.
Who's the gangster?
Citizens really need to look at that question seriously.
Also, just how much of what you do everday supports the government?
From the time you get up to the time you sleep you have done it all for the government.
EVERYTHING is taxed and or run by them.
Nothing is exempt.
From your morning coffee to the light you turn out befor bed all is owned by your government.
Is it a bad thing to be controlled by your government?
You"re safe in Canada right?
Safety comes at cost but, what about when you paid for that safety and peace of kind and it is
denied? Ripped off? Laughed at by the same people that force it on you?
Governments do as they will because there are NO MECHANISMS to enforce good behaviour by a
government or, good behaviour by a gov employee.
There is a solution but it takes all of you to do it.
For the record its a peaceful solution.
I know what it is but I would like all of you to think of a solution then present it knowing you are up
against gangsters in your government.
Well dressed and well educated gangsters with nice smiles but, gangsters all the same.
Question- how do feel knowing that's who you live and work for? |
|
| Andrew | October 11, 2013 6:24:45 AM |
| I think MPI dose whatever they want with us because it's the only place we can go they make up
stupid rules like your lights are not DOT approved so they tow your car or make it so you can't insure
this ain't no safety issu it's a money grab look at the old cars with no seat belt that should be a
consern not a stamp all mpi wants is & they sead we over paid for insurance and gave us $ back but
we still pay the same nothing is cheeper so are they still over charging?! |
|
| Mary Ann | October 4, 2013 10:01:20 AM |
Christmas 2004; As a backseat passenger (having a snooze) in a minivan, my
daughter's head was squished between the door and head rest and was left in a
coma and vegetative state after being struck by a 350 half ton at highway speed.
The neurologist told us what we see is what we get and she would probably be
institutionalized for the rest of her life. She survived and her progress has
been miraculous. She lives, but the life she had prior to the MVA has been
taken from her.
She does not need to be institutionalized as long as I sacrifice my time and
energy to provide care 24/7 with no time off. I cannot have the life I had
either because MPI's funding does not cover in-home assistance over a month's
time.
Tragic accidents don't just affect the injured person.
This is not a vehicle that "can" be replaced. It is a life! I will continue to
knock MPI's barriers and hurdles down to give my daughter accessibility and the
right to life and living. |
|
| JR | September 30, 2013 9:01:34 PM |
Just took two vehicles into MPI for hail damage, and looking for some help in
how to respond.
The first was an old camper, only worth about $2000, however absolutely covered
in hail damage from a September long weekend storm. The assessor was looking
at it, and told me it would be a total loss, until he looked at the paperwork
and said 'oh, this was a writeoff years ago for hail, you can't claim hail
twice'. I was baffled, and don't know how to respond. They are saying they
won't cover the hail damage, because they don't know if the damage is new or
old. This after they opened a claim for me, and I've talked to 3 people
scheduling appointments without a single person mentioning anything. The
vehicle does not have a rebuilt or salvage status to my knowledge, so I was
never aware of this. I even have video footage proving the hail damage. They
just told me I need to take it up with the adjustor, which I'm sure won't go
anywhere. Am I just totally out of luck here or is there anything i can do?
The other vehicle was my van. I took it to the assessment facility in a
torrential downpour. The front and hood of the van is covered in little marks
as the hail was small, but with the rain and wet surface the adjustor had a
hard time making out most of the damage, even saying that it was hard to
properly assess. He told me there were only about 5 marks on the hood and
about a dozen on the roof. There are over 30 on the hood, and the roof is
similar, but you can only see them in the right light because they are not
realy deep dents. The assessor has them repairing each dent individually,
which is near impossible. What can I do? |
|
| Mary Ann | September 20, 2013 11:30:58 PM |
Again, at KB
No, MPI's insurance rates are not very reasonable; it's actually just another
provincial tax grab; there's no tort (therefore no lawyer to advocate on the
claimant's behalf - especially if one is in a coma); there's no liability to
claim (yes people add it to their rates thinking they need liability coverage).
Another fact is Manitobans don't have the freedom of choice or access to
competitive rates. But, if you feel safe and like living under a totalitarian
system, then you're living in the right province and you should stay there. |
|
| Mary Ann | September 20, 2013 10:22:38 PM |
At KB
In my opinion, you're obviously a brainwashed employee or wannabee and I can
tell that you also obviously know nothing outside MPI's socialist regime. For
your information, MPI doesn't just affect those living in Manitoba.
There will always be those who ruin it for others in need...but unless you're
sitting behind your computer suffering from severe injuries caused by a motor
vehicle accident, then all you're spewing is a bunch of bull. |
|
| GM | September 20, 2013 2:56:06 PM |
| KB - you are an idiot...oh let me guess, are you an MPI employee? Did we hurt
your feelings? Take a hike you low life moron! |
|
| JM | September 20, 2013 2:52:49 PM |
| To KP response - you're a $%!# ing idiot! You have no idea what you are talking
about and you aren't even from Manitoba so $%!# OFF! You shouldn't even be
allowed to post on here! |
|
| KB | September 19, 2013 10:18:14 PM |
| You guys are all morons. Something doesn't go your way insurance-wise and
suddenly it's all MPI's fault. I have family in Ontario and Alberta who were
previously from Manitoba and they wish they could still be covered by our auto
insurance. You obviously have not done you homework and don't know how insurance
works. I'd say receiving 90% of your income is pretty damn fantastic, compared
to what you get from other insurance companies - give your heads a shake,
because you're really reaching with that one. Unfortunately, MPI, like all
insurance companies, get screwed over and defrauded by many of their customers,
and can't afford to believe everything you say ("What do you mean, I hit
something? It was a hit and run!" Yeah... right). Our insurance would be through
the roof if so - and no, it's not already. Our insurance is very reasonable,
especially when compared to the rest of the rates across the province. Quit your
bitching and quit harassing MPI employees. |
|
| Jackie | September 17, 2013 3:50:41 PM |
| Hi there,
My cargo trailer was stolen by a guy who was buying some of my company
equipment. The transaction was going well, provided his name, etc. He
provided a deposit for some of the equipment (we were closing our family
business) and did an email money transfer for the remainder of the money.
The problem was we were also selling our cargo trailer which he had indicated
that he wanted to buy as well. He asked if he could transport some of the
equipment from our location to his location. The equipment is very large and
heavy (approx. 600-900 lbs per item). Well he never returned with our
trailer. He acknowledged our phone calls, texts and emails and initially
apologized. Then it became harassment and taunting from him indicating that we
would never get our trailer back. This continued for several months after we
called the police. We filed a theft claim and provided detailed information,
etc. and received a police report. The police indicated that after three weeks
it would be considered theft and to file a claim with MPI which we did. MPI
denied our claim as they said we “voluntarily” gave the trailer to this man so
they could not process. They then indicated that we would be held liable
should this man hurt someone in an accident etc. with the trailer and I need to
continue to pay insurance on it until it is found. Well it has now been a
year, nothing from the police, MPI, etc. When I followed up with MPI again
this year to cancel insurance they indicated that insurance is void when
voluntarily giving your vehicle, trailer, boat, etc. to another person. So if
you are selling your vehicle privately and the person taking your vehicle for a
test drive doesn’t return – well you are SOL! Unbelievable.
So yes, I am still paying for insurance on our cargo trailer, I am out of money
for the sale of it and still responsible should the man who stole it get into
an accident. Oh, following up with the police – they did confirm that the
individual who had stolen our trailer used a fake name, license, etc. So there
is nothing further they can do as well.
Very frustrating…I have heard a few other stories from individuals with similar
experiences. I think it is so wrong that the criminals get away with this and
MPI can deny a claim when it is clearly theft!
Thank you. |
|
| bill franck | September 9, 2013 2:01:15 PM |
| I blogging to say:
1: Why are are bags exempt and do not have to be in the car? They rate are
insurance cost by the safety equipment that is installed from the factory.
maybe 400 cars a week mpi sells and then safety inspections does not require to
to have air bags.
2: Why some adjusters pay more for total loss vehicles than others?
3: Why you can take your vehicle to three diferent safety inspection and then
take it to vehicle standards and all have a different estimate? Why not take it
to vehicle standards in the first place and get there opinion without the rest
of the hassle?
4: Why are we letting mpic to be called a corporation when it is a monoploy?
5: Why do we let them invest our money instead of rebating us or paying more
to people who are injured?
6: why don't we have a referndum in the next election to privatize this cartel? |
|
| wayne | September 5, 2013 11:28:52 AM |
| I would have to assume if the doctors agree that you would get the treatment.
But I assume that was the opposite with your case? This is like a living $%!#
dealing with these people, and psychological damages should be awarded to
everyone. |
|
| Mary Ann | September 3, 2013 10:15:47 PM |
| What happens when their consultant from Health Care Services (doctor) sides
with the claimant's doctor? |
|
| wayne | September 1, 2013 1:02:58 AM |
| As we have learned recently, it doesn't matter what your doctor says. The
highest court in Manitoba told us that aicac can choose to believe whatever
evidence they want, and there is nothing you can do about it. You are not
fighting an insurance company, you are fighting the mb govt. The only way to get
justice is through the supreme court of canada. Anyone with chronic pain, I am
taking names for a class action lawsuit. To those already who have contacted me,
I'm sorry, but have been pretty busy lately. Get the word out
waynefranklin@mts.net |
|
| John Gleeson | August 30, 2013 11:01:47 PM |
| Public insurance can work if its run properly like ICBC but MPI is totally
frickin corrupt! |
|
| Christine | August 29, 2013 9:39:32 AM |
| Thats exactly my point. We have all the documents from the Neurologist and
hospitals where all the tests were done. All the documents show that there was
never any siezure activity. MPI are aware of all this. But they are now saying
that because he had an Syncope (medical term for fainting) he needs to be
Syncope free for one year. |
|
| Mary Ann | August 27, 2013 10:24:25 PM |
@ Christine,
A person can faint from dehydration and heat. Your husband needs to get a copy
of the hospital reports of what is exactly written.
My daughter suffers a severe head injury from her accident and fainted. I was
panicked by it, and then she passed out again when the paramedics came. When
the doctor did tests, he figured it was from dehydration. There are
contributors that can cause fainting and/or passing out other than just
seizures.
As an advocate for my daughter with MPI, I would question MPI and have them
prove through documentation of the hospital reports that is was "in fact" a
seizure. If they can't prove it, then on what basis are they suspending your
husband's license?
One thing I've learned in dealing with MPI...throw the questions right back at
them! |
|
| Larry | August 27, 2013 10:22:47 PM |
| Stupid MPI websites been down for days. All that money and they can fix it. |
|
| Mary Ann | August 25, 2013 7:23:41 PM |
People need to go back and read a lot of answers to questions that keep being
repeated.
I have provided plenty of information on this website; most importantly, MPI's
case managers are NOT QUALIFIED and have no authority to provide medical
decisions based on their medical consultant's "blind opinions". Figure it out!! |
|
| Christine Bearpark | August 23, 2013 11:18:54 AM |
| Further to the above, his own family Doctor has sent MPI reports showing that
my husband is in good health and at the time of the faint he has a virus and
his iron levels were low. We are so frustrated as he is not ill and is not
suffering any siezure disorders. |
|
| Christine Bearpark | August 23, 2013 11:15:53 AM |
| Hi
This is a problem my husband has and thought I would share and ask opinions.
He is a commercial driver and is an owner driver of a semi vehicle. In january
2013 he was in York Nebraska and fainted. He was taken to a local hospital via
ambulance. He stayed the night and blood tests were taken and a scan of his
head. On returning to Canada his Doctor called for him. The US hospital report
showed no signs of why he fainted but recommended that he be checked out for
siezures. MPI suspended his license until tests could rule out any siezure
activity. After having 3 scans of his brain and an MRI no seizure activity
could be found. He has now received a letter from MPI stating that his license
is still suspended until he is unconcious free for 1 year and further tests
will need to be carried out in April 2014. |
|
| Tim Henderson | August 20, 2013 4:43:53 PM |
This is for the dude who is battling MPI who is trying to force him to get an
immobilizer. I also live in a rural area and they kept insisting by letter and
phone that I come in to Winnipeg to get an immobilizer put on. Here's what I did
I went to my local Autopac Agent and explained the situation and she was able to
put an end to the scam.
Rural Municipalities are exempt from the Immobilizer program and MPI knows it.
http://apps.mpi.mb.ca/MAR/Immobilizer123.aspx
Do this and print it and take it in, good luck. |
|
| Jacey | August 2, 2013 12:00:36 PM |
| Hi all, my vehicle was stolen in Winnipeg June 23/13 it was recovered July
13/13 MPI had it in there impound lot for 12 days with the window smashed out
allowing it to rain inside my vehicle while in there compound. When I asked the
assistant manger Lewis from Brandon about there policy for covering the window
to stop the water damage he told me he wasn't going there and proceed to tell
me, I obviously do not know insurance. Then I am told that I have to drive to
Winnipeg from Virden where I live 3hours away(because MPI is not responsible to
tow the vehicle to were the owner lives)from Winnipeg to do a walk threw of the
vehicle. So I take the day off work drive to Winnipeg get there me and the
manager from Murrays chev in Winnipeg go and look at the van it smells so bad
like urine and puke that the manger at Murrays says it would be a health risk
for any of his people to go in the vehicle. He told me that MPI normally sends
vehicles with body fluids in it to a restoration center then to him. So I
wasted a days wages and gas money for no reason. Now they are saying that it
will cost to much money to send my van to a restoration company approx.
$4000.00 that they will a lot Murrays chevy 5 hours of cleaning. SO I GUESS MY
3 LITTLE KIDS AND 1 ON THE WAYS HEALTH TO MPI IS WORTH ABOUT $4000.00. And it
is now Aug 2 with still no answer about my vehicle other then it is in process
but NOT ONE person at MPI can tell me this process. So here I am still without
a vehicle and my vehicle is still in the same shape it was in when it was found
and I am still making payments on it and paying the insurance on it without
having the use of it and by the way this is my only vehicle. WHAT A JOKE MPI
IS!!!!!!!!! |
|
| Anne | August 1, 2013 3:10:43 PM |
| I am appealing an injury claim. MPI is denying my claim saying medical evidence
does not support that the surgery I had was because of accident even though
both my GP and my specialist gave reports saying it was related to injuries
suffered in my car accident. Can someone give me the name of a lawyer I can
contact? |
|
| lulululee | July 24, 2013 12:11:10 PM |
| Can anyone please recommend lawyer specialized in dealing with personal injury
cases. Or anywhere I could get the information. |
|
| Adam | July 11, 2013 8:24:31 PM |
| I would be interested in joining your lawsuit Wayne. I 'd like to hear more
about your story. MPI bullied and laughed at me and denied my claim. Love to
talk to your lawyer and get his opinion. adam_michael_schroeder@yahoo.ca |
|
| wayne | July 7, 2013 11:00:43 AM |
| Announcing a class action lawsuit against MPI. Anyone with chronic pain due to
soft tissue injuries is being discriminated against. I have talked to a human
rights lawyer who said that this is illegal.
Once again, there is no big money to be had for all that suffered, but we can
change the system. If MPI has bullied you and laughed at you while they denied
you, here is your chance. It is also an opportunity to make Manitoba a safer
place for the next generation.
Other bad faith cases can probably be included as well. Contact me if you are
interested. waynefranklin@mts.net |
|
| Mary Ann | July 5, 2013 3:11:45 PM |
Thank you A for the info
Yes, I agree that MPI, at the very least, should include you in your rehab
plans and processes as a "client centred" approach to assisting in back to work
assessments, etc.
Unfortunately, MPI does not have this type of protocol or approach within the
legislation. I am hoping to have them change that...in supporting the claimant
from the time of an accident through back to work ethics and/or vocational
training. They would definitely get a better response from their claimants and
the professionals trying to do their job as well.
They do use a bully approach towards weak and injured claimants and it has to
stop!! |
|
| A | July 5, 2013 2:01:26 PM |
Hi Mary Ann.
Thank you for you response. The survey company was hilltop research: 2nd Flr 236
Osborne St Winnipeg, MB R3L 2W2.
The issue is not that they sent an OT into my work place, but that this was done
without my knowledge and permission. Shouldn't I have to sign an authorization
form allowing my health situation to be discussed with my work place? Shouldn't
I be "included" in this process, or at the very least informed of it prior to it
happening? |
|
| Mary Ann | July 4, 2013 11:59:32 PM |
To A
Could you please provide the name and address of the survey company? Yes, MPI
can send an OT to your place of work to assess work space, needs, access, etc.
That shouldn't be an issue. You should have your own OT that MPI will pay to do
the same thing.
And, yes MPI and all insurance companies will request previous health records. |
|
| A | July 4, 2013 5:18:07 PM |
| I have three questions regarding privacy and my legal rights. Is mpi allowed to
send an occupational therapist to your work place to assess the work space and
talk to your superiors about a return to work plan without your knowledge or
permission? Also, mpi gave my name and date of accident to an independent survey
company and they contacted me to do a survey about the quality of mpi services I
have received, is it legal for them to give out this information without my
permission? Is mpi allowed access to medical information that has nothing to do
with the accident and does not impact the recovery process?
Thank you |
|
| Mary Ann | June 21, 2013 10:07:40 PM |
I'm pretty sure in Ontario, you don't have to have an immobilizer. If you don't
(especially in an older vehicle), I think you would pay a higher premium due to
a possible higher risk of theft.
Here's a question; how does MPI handle classic autos that were built without
immobilizers or even seat belts?
Just out of curiosity, what's the difference between a classic auto and a
vehicle that was built in the 1990's? They're both vehicles without
immobilizers? |
|
| tyler S | June 21, 2013 5:43:57 PM |
| I have been fighting with MPI about putting an immobilizer in my recently
purchased 1997 Chevrolet work truck.
this truck is worth $4500 maximum. they are trying to FORCE me to install an
immobilizer. I do not want it in there as they are a very inferior product.
facts: the immobilzer is NOT OEM equipment.
they do NOT meet OEM specifications.
they do NOT have lifetime warranty. after 2 years all repair bills are the
responsibility of the vehicles owner.
if you are out of province and your immobilizer acts up, you are screwed. there
is nobody out there qualified to service them. and it is illegal to remove it.
you have to get the vehicle towed back to a qualified tech in Manitoba to
service it AT YOUR EXPENSE.
I live out in rural Manitoba and not in Winnipeg yet I am still being punished
with this immobilizer debacle.
this entire program reeks of conflict of interest and I guarantee somebody in
MPI is making a killing in kickbacks from this scam. |
|
| Mary Ann | June 18, 2013 11:09:55 AM |
The gov't of Manitoba can see that bullying in schools and workplaces are
unacceptable. What they turn a blind eye to is the treatment on claimants by
case managers.
There is "NO" assistance in actually "helping" the weak and injured from trauma
to rehab to work or vocational rehab in a step by step process overseen by
a "rehab case manager" (don't confuse MPI case managers with medical
personnel). There is NO support in gaining a life back that was once had. The
weak and injured are set up to fall. ALL claimants are seen as committing
fraud. Whether you're simply traumatized by the accident, or break your leg or
remain in a coma or vegetative state for months, they don't care! They'll
impede your progress prior to assisting, informing, or just simply helping you
back on your feet.
MPI wants Manitobans to know they make big contributions to the province (check
out their egotistical website under "About Us" - It's also the "best" place to
work and have a career). As I see it, MPI's AUTO INSURANCE PREMIUMS are being
turned into TAX dollars for the province!!
What would be interesting - Is MPI contributing $$ for "anti-bullying"
programs? |
|
| just curious | June 17, 2013 7:22:50 PM |
| I see that Premier Selinger, at a recent western Premier's meeting which he
hosted, is all in favour of implimenting a "bullying strategy". I wonder if MPI
clients who complain about MPIC bullying incidents can expect someone from his
government to deal seriously and honestly with these. |
|
| Len Turton | June 16, 2013 6:10:48 PM |
| Recently when renewing my insurance for the upcoming year my beef is with the
broker where I was conducting my renewals. I usually renew everything in full
when my renewal month comes up. For the most part that is what I did with the
exception of 2 trailers that I own. One trailer I was going to pay at a later
date but the other trailer I wanted to remove all insurance from completely.
When I told the young girl who was serving me at MIG Insurance 1401 Portage
Ave. what I wanted to do with this trailer she told me she would be unable to
remove the insurance on that trailer at that time and gave me a verbal list of
reasons why she couldn't all having to do with this new 5 year renewal
schedule. Not really sure what to make of this situation I then decided to just
let the current insurance run out after all my intensions were to cancel it
anyway. After my renewal month passed by I then received a registered letter
regarding my autopac arrears for both trailers and found that MPI had combined
the late fees. Each vehicle or trailer should be separate as they really are
separate contracts however that is not how they are treated by MPI with this
new system. At this point MPI informed me the only way to clear up this
situation wast to pay the arrears in full before they would be able to cancel
the insurance on the trailer that I originally requested it be cancelled on.
After doing this I demanded to speak to a manager at the broker regarding a
refund for the money I had spent to get back the money I payed for something
that I requested be canceled in the beggining of April when all this first
started. Basically the manager at MIG Insurance 1401 Portage Ave. just gave me
lip service and then said her staff did nothing wrong from her internal
investigation and she would not refund my money. In my inquiries with MPI
before talking with this manager I was told every time that there should have
been no issues with cancelling the insurance right when I first asked for it to
be done. At this time I do not recomend anybody go to this MIG Insurance
location at 1401 Portage Ave. as I was treated like dirt by this manager and
the staff literally has no idea of what customer service is. I am now out more
than the cost of the original insurance for the trailer and the trailer
insurance now does not exist as my original request was in the beggining of
April. |
|
| an over honest law breaker | June 3, 2013 11:17:05 AM |
| Please see June 1, 2013 Free Press article regarding my case. Just type "an
over honest law breaker" into your browser. I read some of your posts and come
to the conclusion that the bloated cash cow for Manitoba Government called MPIC
needs to be dismantled. It's full of incompetent bureaucrats getting too
comfortable behind their desks. On our recent claim our adjuster (Jamie) took
five days to return our phone call and only did so after my repeated calls to
his supervisor. MPIC needs to go........ |
|
| Mark | June 3, 2013 9:59:42 AM |
| I was hit on per. An ink i was told that i was ok by united therapy. So i went to a work hardening
program,i couldnt dew the work so mpi said i was being unwilling to better myself i told them i
was in pain an they said our doc's set this up if u dont go no money. So i did. By the way this all
happened june22/2011. Abou 3 months of work hardening i quit due to extreme pain. Im gonna
shorten this up real fast now. So dec. Of 2012 i saw doc P.McDonald he looked at my arm for 1
min an said WoooooW to my arm he had diagnosed me with a broke log thorasick an he added
an inch an 3/4 he said he never saw an ardm broken for so long an mpi is now trying to say it all
was from before the accident. What a joke. If anyone has a problem an need a doc call pan am. I
even called our minister of health to tell her i saw 10 doc's an nobody knew my collarbone was
btoken she said she didnt care. An i told her i had evidence of malpractice done at United
Therapy. Dr.Saran being the main fault. After i saw him he told me he wasnt ever my treating
even though he filled me with pills,an none were for pain. If someone is in that $%!# hole get out
while u still can use your body an he doesnt wreck it. Tell him Mark says hes a Scam outfit. Dont
sign anything they give you |
|
| Sue | May 22, 2013 1:19:40 PM |
| To anonymis-ATV
Yup you can get around it...my email is thepas99@hotmail.com..send me a email.
Sue |
|
| anonymis | May 20, 2013 6:40:34 PM |
| I rolled my brand new quad unloading it on private property my mom registered
it theft fire and collision can i make a claim i have no liscens does that
matter? Some one help please!!! |
|
| Peter I | May 16, 2013 6:14:47 PM |
| Today I experienced the corrupt judgement of MPIC.
I recently hit an unmarked frost heave on a Manitoba highway and damaged my dodge truck. The
heave was only visible from approx 50 feet away and I was traveling 5 km below the speed limit of
90km, this heave went across both lanes and it could not. Be avoided.
MPIC advised that I was 100% responsible and that I would get 5 demerits and have to pay the $500
deductible. The adjuster Lindsay L. Brandon office Advised that I should have been going slower or
that I should have avoided the big dip and I said the only way to avoid it would be to hit the ditch
which in this case was impossible. I asked her if MB highway should be responsible for this and she
advise that I have to assume all the risk.so I advised her that she was a f....n a.h. So she put me in
touch with her supervisor and she gave me the same runaround and I called her also a f...n a.h.
Than hung up. ..................QUESTION..............Was I way too kind?????? |
|
| Carlyn | May 4, 2013 7:14:37 PM |
| Ms. Broken: Autopac may only cover injury due to collision. If you were stepping
out of a parked vehicle, and fell, you may not be covered. But it's worth
reviewing the legislation and/or calling their bodily injury claims line to ask. |
|
| mrs. broken | May 3, 2013 1:40:02 PM |
hello all,
i have a question to ask, last year in June/12 i had a nasty fall out of a semi
and broke my lumbar 1 bone in my vertebrae and was hospitalized for 11 days, had
physio for 6 months, still on pain killers and Dr advised me to do aqua
aerobics, to help repair damage and help with pain, i am now on disability and
will always suffer from this back injury, i can only sit or stand for 15 minutes
and have to keep shifting, due to pain. which is next to nothing and get no help
with helping repairing my injury and was told just now why didn't i make a
claim?? i had no clue that i could do this as no one told me, i do not drive, so
is this true? if so what help would i get if i made a claim? please help |
|
| wayne | April 22, 2013 10:50:28 PM |
| Thanks for the tip Manford..never could have figured that one out myself. And
sask insurance is government run as well, but even their rates are half of what
we pay.
As for the class action lawsuit, your lawyer said he is doing this or you are
just hoping? Lawyers are part of the problem here, as none of them have the
balls to sue MPI for bad faith..manitoba government sucks..kind of reminds me of
chavez...keep giving to the poor and screw everyone else over..don't worry
though, when I become premier of manitoba I will change everything..lol..only
way to win is through the media and public opinion |
|
| Mary Ann | April 22, 2013 3:45:29 PM |
Angela,
Tell your case manager you want it in writing! Don't do anything until you get
it in writing! |
|
| Angela Saliken | April 22, 2013 12:46:30 PM |
| Just a curious question.... has anyone received a call from their case manager
stating that there was an "in-house decision" made regarding an injury claim?
Sounds vague as crap, but what can you do and what qualifications does this person
have to make such decisions? Help if you can... thanks! |
|
| Greg Kaml | April 16, 2013 2:20:38 PM |
| .
I am a US resident married to a wonderful CND girl. On March 10 of 2011 my
wife was forced of the highway by a speeding semi 1.5 KM north of the Emerson
port of entry in a ground storm. The vehicle rolled end over and sideways
coming in contact with the ground the times. The first impact was on the hood
and windscreen that shattered the glass and dislodged the overhead console in
the Tahoe. As the vehicle continued, the console repeatedly slammed into her
head. She also sustained injuries from the seatbelt and other flying debris.
After two years of dealing with MPI thru Duane Novak and Steve Lawson, she
has been cut off from outpatient treatment, then reviewed and put back on and
off several times. Currently they are pressing criminal harassment charges on
her saying she harassed them on the phone. They even sent the police to her
house two days before we were married claiming she threated to kill the
adjuster. After the police arrived and talked with her they apologized and
left. As she travels across the border every week to be with me, they are
trying everything they can to inhibit that.
We are currently dealing with her hip still one inch high, a clunky jaw,
broken toe, cronic pain, and worst of all shards of glass still coming out of
her face, neck, arms, and legs.
She is at the point now that she does not go out in public, and can no longer
deal with the frustration from MPI to the point she does not want to live
anymore.
We have enlisted the services of Norm Rosenbaum of Merchant Law in WPG to try
and deal with this corrupt company, but are on the verg of financial ruin
trying to get her the care she needs.
I encourage each and every one of you to contact Norm before April 26 2013
with your story. Perhaps if enough people are involve we can get a class action
against MPI and the Manitoba Gov.
His e-mail is nrosenbaum@merchantlaw .com
PLEASE BECOME INVOLVED nrosenbaum@merchantlaw.com |
|
| Greg Kaml | April 16, 2013 1:38:03 PM |
nrosenbaum@merchantlaw.com
Please contact this lawyer with your stories before April 26 2013. That is our
next go round with MPI. The more experiences we can present, the better chance
we have at exposing MPI for what it truely is. |
|
| Mary Ann | April 15, 2013 11:31:04 PM |
Oh my God!! (hand on my mouth) Thanks Manford for your words of worth!
I will make sure I vote for the right party in the next Election. Oh wait - I
can't vote in Manitoba cause I'm not a resident. Hmmm - what shall I do?
And what does SGI stand for in Sask? Saskatchewan General Insurance? I'm pretty
sure they haven't been tossed. |
|
| Manford | April 14, 2013 4:30:55 PM |
| So keep voting in the communist government and that is what you get. Private
insurance in Alberta is much less cost than that MPIC crap. Quit the government
has to look after me attitude. Anything government does will be higher cost and
poor coverage. More overhead lazy employees that can't get fired and government
pension. wake up you lefties. Even Sask turfed those left wing morons. |
|
| Mary Ann | April 14, 2013 8:45:12 AM |
FYI
If you google Pemkowski at Manitoba Public Insurance, scroll down and look for
the site for Canadian Law List and click on that. It will bring you into the
website and you'll see her name. Click on Manitoba Public Insurance (it'll be
in red). That will bring up the entire list of lawyers working for MPI.
There's 15 of them. You'll see other names you may recognize. Check it out Canadian Law List |
|
| Mary Ann | April 12, 2013 8:00:46 PM |
Ralph,
Have you ever read George Orwell's 1984? I've heard of it, but never read it. I
thought it was about the future but in a different way. I'm thinking it's worth
the read just looking over the blurbs of it on the net. I'm going to visit
Chapters asap to get that. |
|
| Ralph | April 12, 2013 7:49:36 PM |
| Two of the worst claim-killing lawyers at MPI are a girl named Pemkowsky and a
retired neo-nazi named Jim Shaw. Both will fight to their dying breath to
prevent claimants from garnering benefits. MPI also puts huge coin into
surveillance of injured claimants, security systems to prevent claimants
infiltrating their various offices. Way too much money spent on this type of
endeavour in relation to savings generated. |
|
| Ralph | April 12, 2013 8:48:43 AM |
My experience with MPIC concludes that the service is fraudulent and collects
fees under fraudulent (or at least dubious) circumstances.
The over-riding tenent at MPI (at least since McLaren took over) is that EVERY
CLAIMANT IS LYING. Thats a heckuva way to get off to a good start with the
folks (like us) who have paid good money for expected service.
I agree with the fact most of the case managers are nothing but frozen-faced
bureaucrats who are just going 'by the book'.
The two bigger frauds are the supposedly independent Automotive Injury Appeal
commission, run by a vicious tyrant named Yvonne Tavaris. (sic). This so-called
independent commission hears hundreds of cases annually and their record of
finding for the claimant is well under 1%, actually closer to zero. The
claimant advisor office works hand in hand with them, under the guise of
separation. Believe me, they are not separate.
Another warning - if you happen to get to the appeal process at 428 Portage
Ave. MPIC will send one of their lawyers (or two) who will appear to befriend
you prior to the hearing, but as soon as you present evidence they will
suddenly 'come out of their shoes' at you with vile and vitriol, calling you a
liar, raising their voices to shrill levels. Part of the MPI Mantra - EVERY
CLAIMANT IS LYING!!!
MPI and their various sub-groups are an infection on the ecology. |
|
| dave | April 6, 2013 9:43:31 AM |
| Heres a good one to show how crooked Mpi is
I recently bought a new snowmobile, MPI forces you to buy ORV insurance to ride
them, ok MPI premium for my sled was 980 a year I instead went and opted to buy
private insurance , so I went to open skies insurance. The SAME coverage , fire,
theft,vandalism,collision,and PIPP,along WITH boosted liability to 2.5 mil and
replacement insurance, (15 k snowmobile) total annual premium $480.00 NOW in
order to ride the trail system in manitoba you need a sno pass, cost for that
is $125 a year. UNFORTUNATELY, when you sign the paper for your sno pass you
also void your insurance on all manitoba licensed trails because there is a
clause there that you agree to indemnify and hold completely not responsible ,
the govt of manitoba, snomann and MPI from any and all claims that arise from
the use of snoman trails, to me , this means that if you are insured through
MPI, they can deny you if you get hurt on the trail or write off your toy
through a collision. In other words, you have no insurance at all on a trail,
so its a cash grab because they will not cover you in the event of a mishap |
|
| wayne | April 6, 2013 1:15:42 AM |
| Darlene, did you get a copy of that letter? That is outright bad faith..mpi does
not acknowledge any soft tissue injuries...makes me wonder if they cover any
mental injuries..if they can't see it, to them it doesn't exist. And let's not
kid ourselves..this isn't an insurance company, this is the government of
manitoba |
|
| Mary Ann | April 3, 2013 1:24:36 PM |
Thanks Carlyn.
Yes, they need to be held accountable for their responsibility for insuring the
injured party. Claimants shouldn't have to play detective and battle for their
benefits. I'm not saying they should hand out all kinds of money either. The
processes need to change.
They say things happen for a reason. I believe the only reason for the
situation that developed in our case is to challenge that provincial
socialistic bureaucratic government system. It is soooooo not set up for the
injured.
People need rehab case managers, not administrators, handling their medical
claims. MPI needs to allow these rehab specialists to "help" and "assist" the
injured through leading and guiding them along the road to recovery, back to
work, or vocational training, social reintegration, and/or "quality of life".
As soon as a claim is made through the bodily injury dept. at MPI, they put on
their "fraud" lights and attack the injured who are trying to deal with their
trauma and heal from injuries. There is no support for the injured! That is not
acceptable. MPI says they are trying to keep costs low on behalf of all
Manitobans. Is that what the people want? It's an insurance! They invest the
premiums and then put it back into the province (that's fine) but it's now a
provincial tax. I say Manitobans should be claiming their premiums as a
provincial tax credit. It's paid to the provincial gov't!
Then, MPI eliminated the tort so that no one can have funding for legal
representation, making it easier for them and their own high paid lawyers.
It's just simply wrong!!
MPI is biased and one-sided. The entire provincial government is one force
driving an entire system. |
|
| Carlyn | April 2, 2013 11:46:13 AM |
| You have such strength and determination, Mary Ann. I wish you much success in
your battle! MPI needs to be held accountable. |
|
| Mary Ann | April 1, 2013 1:10:49 AM |
I am a care-giver for my daughter who suffers cognitive and physical
impairments from a MVA. Her life has drastically changed forever! She will
never go back to school or work again in the life she's been left with to
struggle and survive through. MPI is the insurer and they DO have an obligation
to fund a life that was lost through an MVA. I don't know how my daughter
survived while waiting for an ambulance at -30 degrees out on the transcanada
and being moved 5 times between Kenora and Winnipeg HSC and flown twice.
I have been at this for 8 long years. I have fought extremely hard with MPI and
I will never let them win!! I have the dirt they've played and I've watched how
they take advantage of the weak and injured and manipulate things.
I cannot stand to see them take advantage of weak and injured people by doing
the things they do. They've toyed with the wrong person!!
I've had to go through the processes, but my word of wisdom here is that you
have more power than you think. Don't fall to submission.
A major important thing to remember - MPI case managers are not doctors; yet
they provide medical decisions, and their Health Care Team members cannot make
an absolute accurate opinion on your medical needs or requirements when they
never assess anyone in person. We also never know what the HCS team is
reviewing. I have proof in black and white how that process doesn't work!! |
|
| Darlene | March 31, 2013 5:56:24 PM |
Carlyn
Thats the sad part about this whole thing how doctors and care givers are
afraid to battle MPI, we never win. Thanks for your encouragement though. |
|
| Carlyn | March 31, 2013 8:59:39 AM |
Sorry to hear about your troubles, Darlene. Sounds like you were quite badly
injured.
Once in a while, MPI does help. Not willingly or with little resistance once
their cookie-cutter threshold is reached, though! Most of the time, they bully
us into submission, and try to convince us that we're better than we are. On
some levels, I understand that they need to avoid encouraging dependency on
treatment, and not make it too easy for claimants to stay on IRI and not work
hard to get back to their previous work/level of function. Most professionals
will tell us (justifiably) that a significant factor in recovery is the work we
do ourselves, not just the external therapy/treatment.
IMHO, MPI goes way overboard on these points. They rush to cut us off before
we've recovered, and try to convince us that we're capable of more than we are.
As MaryAnn said, you and your MD know better what's going on with you. MPI's
focus is on limiting costs while providing the illusion of helping, not on truly
helping us to recover. If they were really interested in helping, they would be
less aggressive. Prolonged stress is proven to be detrimental to soft tissue
health, and can even give rise to long-term conditions like Fibromyalgia and
Myofascial Pain Syndrome.
With soft tissue injuries from MVA, while some people can get to the point of
being symptom-free temporarily, there will nearly always be a lingering
fragility. MPI knows it, and they refuse to acknowledge it. According to them
and their cookie-cutter model, after X number of weeks, you will either be all
better, or at maximum recovery.
I had the misfortune of being in two MVA within a few months of each other, and
can testify to the fact that when more than one MVA is involved, the "cookie-
cutter" methodology that MPI employs is useless. I saw first hand that increased
stress while fighting for more help from them led to setbacks or plateaus in my
recovery. I'm not back to my pre-MVA condition 4 years later, and may never get
to that point.
A friend's relative was in a bad rear-ender - someone wasn't paying attention in
an 80 km/h zone. (Stop texting and using handheld phones while driving, people -
it's not only unsafe - it's illegal! When will you learn???) They were in very
bad shape, and after several months of limited help from treatment, they were
sent to a rehabilitation place on St. Anne's Road by their practitioner (chiro?)
, with MPI funding. After months of graduated therapy (1 hr/day, working up to 4
hrs/day, I think), most effects of the very bad accident were overcome, and they
felt "like I never had the accident". They were back to their normal activities.
Sadly, they were rear-ended again a few months ago, and immediately felt worse
than ever. Recovery is much slower this time. That's the nature of soft-tissue
injury from MVA.
I ramble.... the main points were that you are a big ingredient in the recipe
for recovery, and MPI is protecting their bottom line, rather than looking out
for your best interests. Even many care providers are often reluctant to go up
against MPI, as they've come to see that it's a hard battle to prove to MPI's
satisfaction that more care is needed.
Don't rely exclusively on anyone else (MPI/MD/Chiro...) to "make you better".
Pay attention to how you feel - what seems to be helping, what seems to be
causing setbacks - especially therapy, exercises and daily activities. Be aware
that some of the therapies/exercises may seem to cause setbacks or increased
pain (especially when building muscle), but they should be temporary - if long-
term setbacks are experienced, perhaps it's too aggressive or not the right fit.
Keep your care providers informed of your observations. Ask them if there's
something else/different you should be doing - perhaps a graduated
rehabilitation program is a good fit for your circumstance. Perhaps not. But
don't stop asking. And don't stop doing your part - diet, sleep, hydration,
gentle exercise, stress management - they all play important roles. |
|
| Darlene | March 30, 2013 8:54:13 PM |
| THANKS FOR THE INFO MARY ANN, I greatly appreciate it. I really don't know how
my case worker thinks she knows how my body feels better than my doctor and
physiotherapist, but my doctor is worried that they are going to cut me off of
all my care, any meds and my wages they have been covering so far, which is
totaly unfair to me. I am not a scam artist and willing to go anywhere to
prove it. |
|
| Mary Ann | March 30, 2013 7:26:55 PM |
@ Darlene,
MPI plays dirty!
They cannot threaten the doctor to force you back to work if you're not ready.
Get a copy of that letter! The doctor should not be intimadated by MPI either.
The best thing I can offer here is:
You know yourself best. You know what your capabilities are and what you can
withstand as far as pain goes. You have to stand up for yourself!! You demand
to see a specialist of your choice. You have to be the one to tell MPI what it
is you need! You have to be the one to tell your doctor what it is you need.
Learn about your injury as best you can. Learn and find out the options you
have in getting the care you require in being able to work again!! You have to
research what works best for your injury. MPI case managers are not doctors.
Unfortunately, you'll have to keep challenging them over and over.
Get everything in writing, emailed, or recorded when communicating with MPI.
Keep a daily diary. |
|
| Darlene | March 29, 2013 4:36:50 PM |
I was T-Boned by the RCMP, I was driving a two seat sports car and they were in
a Crown Vic., if I had a passenger they would be dead. I have neck and back
pains and have been off work for 5 months. I have been compensated by MPI for
lost wages and have been attending Physio on a regular basis but still am
experiencing muscle spasms,tight neck muscles, stiffness and pain. Received a
call from the RCMP stating that they have charged the officer for the accident
two months later. According to my Physiotherapist MPI has not paid them yet
and have told them they will only cover 1 visit per week even when my
Physiotherapist said I do require more because I am still experiencing issues.
I tried going back to work in the middle of January for 2 days a week for 3
hours/day, the first day I was sent home my by Supervisorand the second day I
did stay and suffered in major pain after that. I was almost in tears. So my
doctor put me off work again and since then I have been seen my doctor every
two weeks.
I just went to see my doctor March 28, 2013 and she said that MPI had just
sent her about a 15 page letter with question she has to answer regarding my
condition and that if she does not send me back to work that they are
cancelling the cost of my care, will not cover any medical nor will they pay me
for been off work, everything will come out of my own pocket. So now I am
forced back to work as I cannot afford to pay for my own Physio or have no
income. I am not faking my injury and am waiting for an appointment with the
pain clinic. I can only sit, stand or walk for no more than 1hr without
experiencing pain and stiffness. So by MPI threat I will have to go back to
work, this is how they get you, they are fair, you pay your insurance every
year for over 30 years and on two vehicles an this is how they treat you.
If anyone has any suggestions I am willing to hear them.
Thanks, |
|
| IZZY | March 24, 2013 9:47:10 AM |
I posted the following back in 2009..thought I would add some more info on tape
recording. You can tape record a first party conversation without the other
party being aware, you do not need to tell them.You can not secretly tape a
convo that you are not a party to. To use as evidence make detailed
notes/transcripts of convo. Use your notes as evidence. Wait until you are
challenged that your notes are untrue, then explain that you made the notes
through your tape recordings, so you are sure they are accurate but you will
check. Make sure they challenge you in writing or at an examiination for
discovery. Now the tapes become relevant. I taped my lawyer, and there fees
their words are what I am paying for. After 4 years of service I ended up
without a bill from him. Again tape record, there are real sharks out there.
The number one item next to your insurance policy,autopac polciy is a tape
recorder. If you have any claim tape record all conversations wth Insurance Co.
MPI and adjusters. In Canada it is pefectly legal to tape record your phone
conversations without the other party knowing. Even if you totally disagree
with the adjusting practices and experts retained by your insurance company or
MPI, you must allow the insurance company a chance to either make it right or
screw it up. , record (without their knowledge) any and all conversations you
have with insurance company staff and/or experts. And, make a log of events as
they occur. Memory can fade over time and what does not seem important at the
time may be a critical piece of evidence later. Document everything you can
(audio taped conversations, video tapes of inspections/medical examinations by
insurance contractors/experts, keep a log of developments and communicate via
certified or faxed letter to adjuster or supervisor) in order that evidence is
preserved should you need it later. Unless otherwise instructed by your
attorney, do not withhold information necessary for the proper adjustment of
your claim. If consequential damage arises out of an insurance company's action
(or delays), be sure to inform, in writing, the insurance company so that they
are put on notice. If this information is not made known, you cannot blame the
insurance company for further delays. Give them the rope and let them hang
themselves. Do not falsify documents to bolster your side of things. If the
facts work against you, do not stoop to such conduct. Rarely are there cases
where the policyholder resorts to fraud but when such conduct arises, it is
usually out of retaliation for fraud committed by the insurance company. Again,
let the insurance company be the only one resorting to that conduct. They will
hang themselves with that rope. |
|
| Adam Schroeder | March 24, 2013 4:04:07 AM |
| MPI made a mistake with my license. An adjuster named Leslie Collins told me
she doesnt care what my lawyer says and went ahead and called my COMPANY TO
TELL THEM i can no longer drive due to having a class 5a license. I EXPLAINED
TO LESLIE COLLINS what had happened and they still went ahead and never fixed
the problem. Told MPI they made a mistake and arent willing to fix it so now
my lawyer says if I lose my job over this little mistake that could of easily
been fixed and avoided. Dealing with Leslie Collins left a bitter taste in my
mouth since she was so rude and never listened to a word I said, like to file a
complaint against this lady. |
|
| Mary Ann | March 22, 2013 6:13:22 PM |
@ chilled,
Get all the info down and documented. Let the work place know and file a
complaint to the police. No one has the right to use your name or "be" you over
the phone in getting information. |
|
| chilled | March 21, 2013 11:37:00 PM |
| Help...mpi is bad.. my husbands caseworker used my name to try and get info .
She call a place of business and said she was me..she even left her fax
number...but she got busted...the place she call..called me back and said she
couldn't fax the papers I asked for.....Really how many times do these people
get away with doing this kind of stuff..They should have to pay me now. |
|
| Mary Ann | March 5, 2013 7:43:06 PM |
Probably not...in Manitoba seniors pay the same as 18 year olds
In Ontario you get discounts for being an experienced driver and claims free
beginning at age 25...seniors rates are much lower than 18 year olds
I pay about 1200/year for top coverage on a 2010 Honda Odyssey |
|
| madeleine dededieu | March 5, 2013 2:04:42 PM |
| as seniors without any accidents, traffic violations of any kind vehicle parked
in garage.. are we entitled to a discount? is different autopac office different
in prices they charge? |
|
| Mary Ann | March 1, 2013 10:34:11 PM |
Take a look at the MPI website www.mpi.mb.ca
In the lefthand column select "brochures"...scroll down to "community relations
guidelines"
Take a look...organizations can apply for funding, grants, etc. for community
events.
Food for thought
Your premiums are turned into donations. Does MPI ask your permission to do
that when you pay your premium? Do you have the choice to participate in making
a donation? If you're allowed to choose not to, do you get a lower rate?
I'll check into whether private companies do the same thing - I could see
private companies doing this as a way to advertise within a competitive
market...MPI has no competition, rates are higher, and the gov't is spending it
however they want to.
Manitobans should be questioning why they are not claiming a tax credit on
their income tax. You should be getting more back than just a rebate from MPI. |
|
| Mary Ann | February 27, 2013 7:50:24 AM |
MPI is owned and run by the provincial gov't (that collect your taxes) then
they hire the very best in doctors...they can assure you their HCS are high-
end...then they hire lawyers to take you to court (AICAC - last appeal option)
that runs out of the consumer and corporate affairs entity of the provincial
gov't...which is the same entity the Claimant Advisor's Office is part of.
You WILL NOT find any independent offices from MPI. It's ALL provincial gov't.
ALL benefits funding for any type of injury is supported by a "blind opinion"
provided by these high-end doctors that never meet the claimant (hence; blind)
and the case manager (with a business degree; unqualified in the medical field)
and Internal Review Officer (from the legal dept) makes a medical decision
based on a "blind opinion".
All being handled by various depts. who know nothing of what's going on or what
your true situation is.
And that's how your injuries are handled at MPI.
Just imagine how much money a person could save just in premiums every year, if
you didn't have to pay a gov't that puts your "premiums" into provincial
infrastructure? That's what provincial taxes are for. Talk about double whammy
or double dipping from the residents.
Manitobans are getting ripped off!! Then have an accident and try to fight for
peanuts while you're down for count. MPI has no sympathy for the weak and
injured. |
|
| wayne franklin | February 26, 2013 4:09:09 PM |
| hey mpi, no more mr nice guy. you expect people to eat your $%!# and put up
with it? Shows how $%!# in stupid you and the NDP are. Keep pushin me, and the
NDP won't see power again for a decade at least. |
|
| Elizabeth | February 26, 2013 11:55:15 AM |
| Hi, looking for a lawyer that knows how to deal with mpi, if anyone knows
please will be appreciated, forward the info please. thanks |
|
| Joeb | February 21, 2013 7:04:02 PM |
| Just wondering if anyone knows a good arbitrator as I am having issues with MPI
on settlement of my vehicle, i got a great deal when I bought it and now they
don't want to give me fair market value, even with documentation from a GM
dealership. |
|
| Amandeep Mann | February 13, 2013 3:05:08 PM |
| and now they are writing off the vehicles using Kijiji..like the Car-fax and those
100-point check by proper dealers are useless..We recently had an accident and the
appraised price was justified using prices quoted on Kijiji...i told them that you
cannot get a vehicle at the price being shown in Kijiji, and to buy a worthless
and tested vehicle with sound history, they just kept shouting..will get to
Ombudsman..no harm i trying that, i guess |
|
| Mary Ann | February 12, 2013 10:05:22 PM |
Was discussing AICAC at home tonight and I think the process is made up of the
plaintiff (MPI claimant) against the defendent (MPI).
The plaintiff must pay for representation; whereas MPI pays for their own
representation (out of the premium fund; I have found a list of 15 lawyers that
work for MPI as legal reps); both sides present their cases in front of the
AICAC appeal board (the judge) who then decides the case. So, it's just the
AICAC board panel that is separate. However, it's all run by the provincial
government.
The important fact here is that a claimant cannot afford proper representation
to look over the entire documentation and file with a fine tooth comb and cross
all t's and dot all i's.
My God!! It has taken a year for them to go through my file (or the file was
just left aside until they felt like getting to it). That IMPEDES rehab!!
Don't forget they all get paid to do that job too. MPI's lawyers are hired to
find every detail against why MPI SHOULD NOT provide funding.
So when MPI advertises and markets their grand insurance scheme by letting a
person know "we have an appeal process" if you're not satisfied with their
review decision.
It would certainly be nice to know a review was being done in the first place.
In summation, not only does one have to go through pain and rehab and fight MPI
for everything...if you want to appeal to AICAC you are more or less going to
court without representation. Even criminals are provided representation if
they can't afford it. |
|
| wayne | February 12, 2013 4:06:41 PM |
| Anyone who says AICAC is independent of MPI is full of $%!# They are just as
rude and belligerent as anyone that works at MPI. And they are willing to force
mentally unstable people, who cannot defend themselves into a hearing. What a
load of crap. |
|
| james | February 11, 2013 3:31:25 PM |
| Bought a Coachman trailer brand new in 2011 paid 364.00 a year for insurance
now paided for 2013 $384.00 for allmost 2 year old trailer it was cheaper to
insure new...I thought it is supposed to go down not up(and it is parked never
on the road)...but then as the guy says behind the counter everthing go's
up...wow now that a smart man lol.... only at MPI |
|
| Carlyn | February 3, 2013 6:00:00 PM |
| Did the MVAS Facebook page get taken down? I can't seem to find it anymore. |
|
| Carlyn | February 3, 2013 5:59:04 PM |
Life insurance is a must, especially for parents of young children. I know it's
hard to think about our own mortality, and scrape together the $$ for insurance.
But this FP article brings it home - MPI is not there to make it all better.
And... if she had been killed by a freak accident or random act of crime, the
family would have had nothing, not even the pittance MPI gave.
Not that I'm letting MPI off the hook - just surprised that the family hadn't
considered providing for their little ones in case something happened to mom or
dad. It's a very sad story to read. |
|
| Mary Ann | February 3, 2013 8:35:09 AM |
Landon Hay should be entitled for the caregiver benefit in having help to care
for his children. A live-in nanny would have to be compensated through MPI -
those children lost the best caregiver they'll ever have!! Although, he would
have to advocate and fight for that benefit as anything else through MPI.
The only thing I can think of - as we were just discussing a similar situation
(hypathetically mind you) and wondered if everyone should have extra life
insurance on top of their car insurance. We were wondering what would happen
if the breadwinner (father) of the family was lost through a MVA and the wife
was a stay-at-home mom? What compensation would there be? And, why is MPI not
letting people know this?
MPI is a legislated mess!! |
|
| Lisa | February 3, 2013 2:34:33 AM |
Saturday Feb 2, 2013 Winnipeg Free Press
This story is in the paper this morning. What a heartbreaking situation...
Winnipeg Free Press - PRINT EDITION
What price for a mom's life?
MPI says $57K; leaves bereaved spouse fuming
By: Aldo Santin
Posted: 1:00 AM Comments: 12
JOE BRYKSA / WINNIPEG FREE PRESS
Landon Hay, with his children Cheyenne (left) and Wyatt, says MPI is ignoring the contribution his
partner Samantha Schlichting (below) made as a stay-at-home mom.
Landon Hay has spent the past five months putting the pieces of his life back together.
Hay's young partner, Samantha Schlichting, 21, was killed Sept. 9, when the car she was driving on
the Perimeter Highway was struck head-on by a drunk driver in a pickup truck going the wrong way.
Samantha Schlichting:
The couple have two young children, Wyatt, 21/2 and Cheyenne, 1.
Hay said his family is being penalized because Schlichting was a stay-at-home mom.
As the spouse of a traffic fatality victim, Hay, 28, is entitled to a fatality payment from Manitoba
Public Insurance. But because Schlichting was a stay-at-home mom with no income, Hay is only
entitled to the minimum payment, $56,888, which he said is inadequate as compensation.
"They don't seem to place much value on a stay-at-home mother," Hay said.
Hay works 12-hour days at a St. Boniface asphalt plant, operating a loader at Bituminex Paving. He
took a leave following Schlichting's death but is due to return in early April.
Hay said because he works long hours, he can't place his children in a regular daycare and is
considering hiring a live-in nanny, but that will be extremely expensive.
Hay's two children are entitled to payments as well. An MPI spokesman said generally, children
under the age of five would likely receive on average about $47,000 each. However, those funds
would be placed in trust with the Public Trustee's Office until the children are 18 years of age and
then released to them with interest. However, the surviving parent can make application to access
those funds but it's up to the Trustee's Office to determine if the funds should be released.
Schlichting's mother, Margaret Schlichting, said she is upset with how MPI is treating her son-in-law
and others like him.
"They simply don't place a proper value on a person's life and what they contribute," Margaret
Schlichting said.
Surviving family members can appeal the amounts paid to them but appeals to an independent
panel are rare and seldom successful.
An MPI spokesman said there were only 13 appeals to the independent panel between 2006 to
2011. Of those, only one appeal was successful. Two other cases are awaiting a ruling.
Hay and his two young children spent several weeks following Samantha's death at Margaret's
home in Oak Bluff but have now returned to his home in Lorette.
"We won't be able to help them day-to-day," Margaret Schlichting said. "I work, live in Oakbluff and
they live in Lorette. It's just not right."
Hay said that being able to spend every day with his children has helped them all cope with
Samantha's death. However, coming to terms with the financial and practical realities of being a
single dad raising two small children is proving to be difficult.
Hay is bitter with the amount of the MPI settlement and the no-fault insurance scheme which
prevents him from suing the driver responsible for Schlichting's death.
"MPI doesn't make any provision for the care Samantha provided, not even on a temporary basis,"
Hay said. "Because we have no-fault insurance, I can't sue (the other driver).
"Since (the other driver) is protected by no-fault insurance, I think that MPI is obligated to cover that.
It's only right that they at least do that."
Hay said he has appealed the amount of the fatality payment and is awaiting a hearing. He said he
doesn't know what would be appropriate, but said the MPI amount falls far short.
aldo.santin@freepress.mb.ca
Payments a 'cushion,' not life insurance
PAYMENTS made by Manitoba Public Insurance to surviving family members of individuals killed in
traffic fatalities are intended to provide financial assistance.
MPI spokesman Brian Smiley said the fatality payments should not be viewed as life insurance.
"We realize no amount of money can bring compensation to people who have lost a loved one,"
Smiley said. "The payments are not a life insurance policy, but are designed to provide some
financial cushion."
Smiley said the payment amounts are based on calculations that factor in a person's age at time of
death, such as income.
Smiley said even for those individuals who have no income, payments are made to their surviving
family members.
The payment amounts are consistent with those in other jurisdictions across North America, Smiley
said -- they are reviewed annually and indexed for inflation.
Smiley said there are two avenues for appeal; an internal process through MPI's internal review
office; a second, external level to the Automobile Injury Compensation Appeal Commission (AICAC).
Smiley would not disclose how many settlements are appealed to MPI's internal review office but
said between 2006 and 2011, 13 cases were appealed to the independent AICAC.
Of those 13 independent appeals, MPI's original payment was upheld in eight of those cases; two
rulings ordered minor variances to the original settlement; and two cases are waiting for a ruling.
MPI fatality payout facts
Paid to surviving spouse/partner and children, of victims killed in a motor vehicle collision
On average, there are 120 traffic fatalities every year in Manitoba.
MPI pays fatality settlements in 99 per cent of those deaths, except in cases of obvious suicide, or
where there are no living dependents.
Between 2006-2011, MPI paid on average $10.1 million annually in death benefits.
Payments to spouse or partner range from a minimum of $56,888 to a maximum of $427,500,
depending on the age of the victim and their income at time of death.
The highest payment is reserved when a person is fatally injured at the age of 45 years.
Fatality payments are also made to dependents: children under the age of 18; a separated or
divorced spouse or partner receiving support payments; a parent substantially dependent on the
victim. Dependent payments range from $27,021 to $49,777
-- compiled by Aldo Santin
See The MVAS Group Website (controlled by Adrian) The Motor Vehicle Accident Support Group
Website (controlled by Cynthia) & our Facebook Page (controlled by Lisa Franklin).
Republished from the Winnipeg Free Press print edition February 2, 2013 A3 |
|
| Eliza | February 2, 2013 8:25:25 PM |
| I have lived in 2 other provinces and not noticed any increase in prices. I
did note that in Alberta that the costs were substantually higher for those
that were under 25 as statically they are at more at risk. Having a child who
was in this age bracket and despite the penalties, still drove like a demon. I
cringed at these costs then but I do agree with them (this said driver was
responsible for paying for own expenses). I was taken back when I moved back to
Manitoba after over 25 yrs and was not given any credit for my perfect driving
record in 2 other provinces. I was given a 2 merit bonus upon moving to Mb but
that is it. NOT a friendly Manitoba. |
|
| Rita | February 2, 2013 2:52:04 PM |
| What happens if your child with a a learners permit gets into an accident while their parent teaching
them is in the car? Will mpi cover the accident? |
|
| Mary Ann | January 23, 2013 8:53:26 PM |
Gee...it's all so confusing, but MPI has a permanent impairment (settlement)
that they pay out usually once all the healing is complete. It all depends on
the loss of use..e.g. if your mom's arm does not heal completely the way it was
prior to the accident, then she would qualify for an amount that MPI
calculates. If it heals completely, which would be the best outcome, then MPI
won't consider a permanent impairment pay out.
Hope your mom is doing okay. |
|
| Mary Ann | January 23, 2013 7:29:38 PM |
Gee...the PIPP Guide is available at MPI's bodily injury centres...I'm not sure
if all Autopac offices would have those. OR, you can go online to mpi.mb.ca
and click on "brochures" along the lefthand side of the screen. If you really
want, you can also go on the MPI Act website from there too and skim through.
They make themselves look really good through this book, but keep a keen eye.
The book at least helps somewhat for right now.
They do not pay out for pain and suffering as Ontario does under the tort...but
MPI does have to cover extraodinary expenses through any medical rehabilitation
or physio. Your mom might need some physio to strengthen her arm and work on
range of motion, etc. Prescriptions are covered as well for that specific
injury. |
|
| gee | January 23, 2013 5:44:59 PM |
| thanks to the both of you Carmen and Mary Ann for giving me some relief and
advice on the said matter i will definitely support the group, i just did not
realize that mpi is so inconsiderate and insensitive until something like this
happens all i kept hearing from them was they dont cover pain and suffering
along with a 100 other excuses, so i found this website thankgod thanks again
to the both of you.just one question where can i find the guide (pipp)? |
|
| Carmen | January 22, 2013 8:39:07 PM |
| Gee, she should be entitled to settlement because of her broken arm. If she can
show how much she paid for her eyeglasses, physiotherapy if she needs and for
pain killers if she is taking some because the accident. It maybe something
else that I dont know of, if you can check with a lawyer. MPI never will give
you what your entitled. |
|
| Mary Ann | January 22, 2013 6:40:52 PM |
Gee...yes she is entitled. She may only be entitled to a few things in the
guide but you should go through that and see. She may be entitled to more than
what MPI will tell you too.
Get the medical documents. Read the PIPP Guide and you can go through the
associated legislation online.
Get everything in writing from MPI or recorded. They are not your friend and
don't believe everything you hear from them.
Yes clothing she was wearing at the time and got wrecked and eye glasses should
be replaced by MPI. They lied to me several times and I never did see that
anything from jewelry, jacket, shoes. Nothing was replaced...but she IS
entitled to that.
All I ask is that you support the MVA group...there are many seriously and
catastrophic injured that are receiving nothing or sent to institutions and
forgotten. Thanks |
|
| gee | January 22, 2013 6:03:50 PM |
| iam new here but can anyone tell me if my mom is entitled to compensation,she
was recently hit by a car she is in her 70's and fractured her arm in the
accident and some bruising to her legs broken glasses torn coat,from what i
have been reading i get the impression she could be s.o.l. what can i do? |
|
| Jennifer | January 22, 2013 10:02:10 AM |
| hi wayne i emailed you please email me back asap dont know if it went to your
junk folder... |
|
| Carmen | January 21, 2013 7:27:52 PM |
Last news about MPI...
Hey Carmen, they seem really slow getting back to me about your case. I think
this is probably because their legal department is going through it with a fine
tooth comb.
Was thinking you might even want to talk to a lawyer about this one, since they
seem to be pissing about. The way I see it, have they not made your house
unsellable or made it depreciate in value? They did a $%!# y job, and MPI held
the contract. Your tools were stolen, no permit was drawn, no inspection done,
and now the house is a fire hazard.
I think that is why Brian said MPI stopped doing it this way 10 years ago, as
it probably opened them up to law suits, as we can plainly see why. If you had
plugged something into one of those outlets at night, and something had caught
fire, you and your mother would be gone.
I can’t believe they still want to fight over your “personal care assistance”
money, when they have Brain Everton’s report, and I sent them pictures of you
not being able to access your cupboards. Throw on top of all that, the scorched
electrical plugs, it’s insanity.
Anyhow, let me know if you want to take this in front of a lawyer or not. I
will still carry through with this if you want, but the work on your house, and
the treatment from MPI is disgusting.
I don’t know if the media still has any interest in this or not, but the fact
that a government insurance company, fights a paraplegic for every dollar,
while they have millions to spend on roads? Is this what the people of Manitoba
support? I doubt it.
Anyhow, think it over and maybe you’ll see a lawsuit right here over the work
done to your house. The proof is in your file and your house.
Wayne |
|
| wayne | January 16, 2013 3:31:33 PM |
To let the general public that frequent these pages know: you are now allowed
to record your meeting with MPI. All they ask is that you notify them that you
are going to record prior to the meeting.(audio only)
Also, they have forms that are for email correspondence. Fill it out, turn it
in, and your case manager will email you.
The recordings obviously provide you with a level of protection that we did
not have before. They told me that an email would be sent out to every claims
manager, so if they claim they have never heard of recordings being allowed,
just let me know.
MVA SUPPORT GROUP |
|
| kevin | January 16, 2013 2:24:43 PM |
Carmen
i went from workign in a warehouse making 65,000 to a office job making 27,000
i had no choice but do it. |
|
| Carlyn | January 16, 2013 9:41:52 AM |
It's worth repeating a few basics, for anyone starting out the journey of injury
recovery with MPI:
- Don't be naive. MPI is an insurance company. They will look for ways to avoid
paying you, and will come into this relationship with the view that most
claimants are lying or exaggerating - it's up to us to prove otherwise, sadly.
- Get your MD and care providers to provide notes, prescriptions, or otherwise
provide their recommendations to MPI in writing. If you tell MPI what your care
provider said, it doesn't hold nearly as much weight.
- Take very good notes of any conversations with MPI and care providers. What
was decided? What are the next steps for all parties?
- Put EVERYTHING in writing: Correspond by email, fax, or letter whenever
possible, so that there is a clear record. Follow up on phone conversations with
an email or a fax summarizing the conversation and outcomes, so that your side
of the conversation is accurately on file.
- Follow the plan your MD/care providers prescribe. Insurance is supposed to
help, but we have a responsibility too. With injuries that rehabilitation can
assist, a big part of the formula is doing our own home/gym workouts, and self-
care.
- Record all phone conversations and in-person meetings if possible (you are
allowed to make recordings for your personal use - don't let MPI tell you
otherwise). You may need to give MPI a heads-up that you're recording the
conversation, so they can record on their end too. If you don't have a recording
device, have a witness with you to take notes and corroborate what was said.
(Take a supportive friend with you regardless - they can advocate on your behalf
if the stress gets to be too much for you, and can help you remember what you
wanted to say).
When a person is dealing with chronic injury, brain trauma, or even just the
stress of sorting through MPI's jargon and bureaucracy, accurate notes are so
important, and recordings allow you to focus on the conversation without
worrying about remembering what was said.
Keep yourself mentally and physically healthy to the extent possible - good
sleep, good diet, regular exercise, and counselling if/when necesary. Breathe.
Believe that you will get through this - with or without MPI's help. (Preferably
with, though you may have to fight hard to get the help you need).
Be aware that chronic stress from dealing with MPI can lead to chronic muscle
pain that lasts for years (fibromyalgia, MS, myofascial pain syndrome ... it's
scientifically proven). Deal with the stress - contact a community organization
that provides free counselling if necessary, or find a supportive friend or
group (like the MVAS group). Find stress-management techniques that work for
you.
Good health to you! |
|
| Alisha Chaudhry | January 15, 2013 4:40:51 PM |
| Does anyone have recomendations for lawyers to hire for my mpi claim? Thanks |
|
| Carmen | January 14, 2013 12:56:06 PM |
| Hey Kevin, just wondering how you make a living then? If you have a fused back,
I know the feeling of pain all the time, not about walking but I hope one day,
I could do that again even for a few minutes. Disability...I know they dont
cover what you had as a salary before your accident. |
|
| Davy | January 10, 2013 8:49:22 PM |
| I will help anyone take those greasy bullies to court .I trust Judges to listen to
the case honestly .I beat them in court twice ,give me a call 794 9868 or
mpichatesme@gmail.com |
|
| Mary Ann | January 9, 2013 5:58:30 PM |
Kevin,
That's terrible!! I don't know your entire situation so I can't say...but if
you were insured in Ontario through a private company, you should have had
access to a lawyer to advocate on those injuries.
Yes, the insurer has to be held accountable to cover retraining costs, but also
to cover your lifelong injuries and/or complications throughout your life.
A back injury is extremely complicated and humans rely on our backs to carry us
through life. I hope you are doing well considering...I advocate on my
daughter's behalf as MPI is and have always tried walking all over her. I will
continue to do whatever it takes in getting what she needs her entire life. |
|
| kevin | January 9, 2013 11:22:31 AM |
Mary Ann
i couldnt go back to work and they declined to get me retrained so i had to pay
out of my pocket to get a new career! my spine is leaking fluid so i have to
get my spine fused so i have lost alot of things in life. cant play sport
anymore can only walk for a max of 15- 20 mins before im in too much pain. so
yes i know how much i have lost due to ontario and nova scotia. im not saying
mpi is god but i am not saying any of them are. they all have there ups and
downs. im staying neutral in this convo! |
|
| Mary Ann | January 8, 2013 10:59:58 PM |
I think you need to do more research.
PLPD (Public liability, Public disability) covers pretty well nothing. You
have the choice to have as much as possible on your policy in Ontario and it's
still cheaper than Manitoba.
A lawyer isn't going to fight a whole lot over a broken arm. Lose an arm?
Different story...lose a leg? different story...break your back? different
story...break your neck?...different story...brain injury...different
story...get the picture?? Can you go back to work? Can you look after
yourself? Can you live on your own? Can you go back to school or be retrained?
What aspects of life were lost due to the injuries? Can you read? Can you
write? Those might seem like small things to you, but are huge losses to people
seriously injured in an MVC that you probably didn't even think about.
Get seriously or catastrophically injured in Manitoba and you'll have the ride
of your life - guaranteed!! |
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| kevin | January 8, 2013 5:46:28 PM |
i have to say you guys speak soo high of all the other provinces yet have you
actually been injured in them? i was in a car accident in ontario and broke my
arm. it took fighting tooth and nail to get help the lawyers are there for the
people who have money not the average working person.
i was a passanger in a a vehicle when i lived in nova scotia and we got t boned
and i was off work for almost a year due to that and i lost pretty much
everything. maybe you guys should move to another province and get in a
accident. there isnt much of a difference here. do your research!!! this is
just my opionion. |
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| A.B. | January 8, 2013 12:06:10 PM |
| Instead of venting your frustration with MPIC on this website, why not take it
to the NDP's government of Manitoba and demand immediate dissolution of this
backward and useless establishment - MPIC and introduction of private auto-
insurance in Manitoba? If hundreds of thousand of residents of the province
will do it, and not myself alone, as I did recently, this government will have
no other choice, but implement the demanded change. |
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| mpi_victim | January 3, 2013 9:11:55 AM |
| I was recently the victim of a hit and run in a parking lot. I took my car to
MPIC, why wouldn't I 25 years and never made a claim, I pay my dues, I am
entitled. Now MPIC is saying that I hit something, and I have to take the
points against my record, and lose my discount for good driving. According to
how they make it sound I have no other choice in the matter, "take it to small
claims court...." anyone who has ever done that knows just how useless that is.
The extra cost to me for saying I am fault, is not the issue, the issue is
that I didn't back into anything, and MPIC is just trying to get more money out
of me. I pay the dues every year, and now they want to try and milk me for more
money is extra dues than the cost of having the car fixed. It is the principle
of the matter, I am not lying! So I decided that if there is nothing I can do,
there is something I can do. I will fight it every step of the way refuse to
sign off on the claim until it is a very last resort. I will make sure that
MPIC pays more money on this than me. There are lots of ways to be a thorn in
their side. |
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