| | MPISucks.com Web Blog | |
| | brad | August 2, 2008 9:22:19 AM | Sickened
You are right on the money with your comments. Thank you for your post. I hope
it sparks others into action. People who have never had to rely on the MPI
system of "fairness" ought to understand that they may be the next MPI auto
accident victim. It is like going on a roller coaster ride and no one telling
you the last piece of track never got built and was never intended to be built.
Crash is inevitable!
As for the recent post re: MPI legal department, I just want to clarify that it
is a distinct division of MPI to which MPI does acknowledge as part of their
operating scheme. However, it is the Claimant Adviser Office (members of the
Civil Service) which we are told is not connected. Yet, I have written
confirmation from the Civil Service Commission that the CAO takes marching
orders directly from MPI.
Food For Thought:
If the Claimant Adviser Office royally screws up your appeal, you have no
recourse, which they do often. They have no errors & omissions insurance to
fall back on unlike lawyers or other private service providers. All you get is
a letter of denial... not even a "sorry". |
| | Sickened | August 1, 2008 11:42:49 AM | My email address says it all. I am totally sickened by what I have just read
on this site. I had heard about this site from a friend and finally took the
time today to read the posts. I am truly appalled at the unjust treatment of
people who are permanently disabled as the result of a MVA.
As an ex-employee of MPI I have personally witnessed the incompetence and
inhuman treatment of justifiably injured people and it is one of the reasons I
no longer work there.
Although I have never been seriously injured in an MVA I have watched first-
hand what MPI is doing to destroy the life of a dear friend of mine. This
friend was involved in a serious collision almost 2 years ago and sustained a
brain injury from which he is still recovering from. I have personally
witnessed the post-accident pain, injury, suffering, financial ruination, loss
of quality of life, memory lapses, seizures and the stress of dealing with MPI
that this man suffers from to this day. MPI has used every one of its dirty
tactics in dealing with him..From “it’s a previous injury”, “our doctors deem
your injuries insignificant”, “there is no reason you cannot work”, “you are
lying”, “you don’t need physiotherapy”, to denying and suspending any wage
replacement benefits.
Why is it that this “fair” system of MPI’s should drive honest hard-working
people into lives of poverty and despair? Is it “fair” that the victim of an
auto injury should have to publicly humiliate a large insurance company such
as MPI into giving them the benefits they pay for and are legally entitled to?
It is “fair” that some unknown “medical specialist”, who has never examined
the patient, makes decisions about the person’s injuries and ignores the
medical reports of a certified neurologist? The strong may get some benefits
while the weak get welfare? Where is the “fairness” that MPI’s “propaganda”
always talks about? |
| | Seriously Fed Up | July 31, 2008 8:21:10 PM | | Congratulations quadmom. Perhaps the media ought to learn of this anyway?!
Just a thought... It seems quite possible that my assumptions are accurate.
Adjusters don't really make "Decisions". The adjusters are impotent puppets of
the legal department. MPI...scheme indeed. Any claim that is potentially
going to be expensive or long-term gets adjudicated by one of the in-house
legal team (the ones who can't make it in private practice and need a secure
job where incompetence is rewarded). MPI denies any connection between the
departments but who believes anything that comes from them. |
| | quadmom | July 31, 2008 10:41:17 AM | | hello all! i just wanted you all to know that i have been dealing with mpi on
multiple issues for a very long time and they of course were screwing me around
so i finally had enough and e-mailed a threatening e-mail to them stating if i
didn't get the answers i wanted by a certain time i'd go to the media. well
surprise surprise it worked!!!!!!! my adjuster even stated he was happy i
finally did it and that that's the only way of getting results with mpi. so
all you people scared to say anything to mpi....you need to do it. the only
thing mpi cares about is bad press. good luck |
| | craig | July 30, 2008 8:54:51 PM | Dear Seriously Concerned:
I was just informed of your comments regarding my business; its motives; and
its commitment towards seeking changes within MPI. I think it is important to
set the record straight so people can see the type of person you are purporting
to be.
Your phone call to our office was duly noted when it occurred. However what you
are not telling people is that you refused to give your proper name; refused to
give details of your "alleged" claim and injuries; were generally resistant and
agitated throughout the conversation. Quite frankly we perceived you to be
a "plant" from MPI, who was fishing for information. You wanted to play coy, so
we simply gave you back a dose of your own medicine.
For your information the coalition is comprised of people who owe nothing to my
business. We are simply a supporting entity taking a positive role in certain
areas deemed helpful to the cause, as are others. This coalition goes much
further than my business or interests.
If you are such a supporter, as you seem to suggest you are, why did you not
attend their meeting last week? You dare to criticize others who are actually
trying to make a difference. Shame on you, my friend! I dare say you simply
wish to cause trouble.
There is an old axiom... don't complain unless you wish to be part of the
solution. So far you have not offered anything constructive to the cause! And
you know what, I am not the only one who sees this! |
| | brad | July 30, 2008 8:23:35 PM | seriously concerned...
Your ignorance is duly noted about Injustice Resolution Xperts... you do not
know what you speak of... they are not motivated to keep it the same and if you
knew the fellows and the work they have done, are doing and have planned, you
would know this to be true.
Talk with "frustrated" or "big bill" and they will quickly tell you like it is!
Your mouth is writing cheques that can't be cashed! However, as they say...
ignorance is bliss! |
| | Seriously Concerned | July 30, 2008 7:10:00 PM | The "attack" on MPI is headed by a person who is from the insurance industry
and he represents an organization that will loose if system changes to respects
victims rights. Am I the only one who sees this or am I the only one brash
enough to say anything?
Injustice Resolution Experts. They are mediators, and mediators will loose if
there is nothing to mediate. They want this perpetual argument to exist between
the injury claimant and MPI. The only thing they want is the system to
recognize them as the mediator.
I want the system to recognize victims rights in the first place; Dont give me
a mediator after the fact.
And this "splintering up into different action groups" is caused by the fact
that they exclude those who actually want the system to change. I got an
immediate response when I was just another customer and they were more than
willing to take all my personal information. When it's just another injustice
for them to step in and resolve they jump to the pump. But when it came to
actually changing the system, my offering of services and requests for
information as to what the coalition is and who they are and what they
represent received no response. Who are they? What is their mission statement?
Sorry for being so blunt but this is the reality of the coalition they are
forming. It doesn't take a business scholar to see that they have a hidden
agenda in keeping the system essentially the same.
I am truly happy for you if they manage to get a settlement for you. This
avoids the problem, it does not solve it. Why make every injury claimant fight
the same battle? |
| | brad | July 29, 2008 9:36:34 AM | It is good to get the info people are sharing. I shows there are more and more
reasons why MPI deserves closer scrutiny. However splintering up into different
action groups is only going to get us no wehere fast. For those with recent
posts about MPI's mis-doings I recommend you about a group already growing that
wishes to challenge MPI but not on a helter skelter basis. Contact names, phone
numbers and e-mail addresses have been posted...
However, we will respect any initiative designed to expose MPI's flaws... you
have my sincere best wishes... |
| | oxy_u | July 26, 2008 2:13:21 PM | Here’s an interesting fact. Under MPI’s Personal Injury Protection Program
(PIPP), there is a provision for a retirement income benefit (RIB) for those
who have incurred long-term injuries. Since RIB (which kicks in at age 65) is
an integral part of MPI’s insurance package, a portion of everyone’s insurance
premium goes to pay for RIB ($20 +/- per year, perhaps?).
Now, RIB is reduced dollar for dollar for any pension income you may get, any
CPP you may get, any OAS you may get and any RRSP income you may get.
Therefore, most Manitobans over 45 (perhaps even younger) already have too many
credits from these four sources of retirement income to qualify for RIB if and
when required, so few Manitobans over 45 can ever expect to benefit from this
provision of PIPP, yet we’re all paying for it. In other words, this means
that just about everyone who is over 45 is being overcharged by MPI!
I actually brought this fact up in a letter to MPI, and was told that it would
be too complicated to calculate this for every insured, and therefore it
wouldn’t be considered. |
| | injured | July 26, 2008 1:22:23 AM | | all this started way back when the doer thugs raided the manitoba hydro rainy
day funds, and had to replaced it in order to get re elected. so they had greg
selinger penny pinch every where he could to recover those funds taken from
hydro. but still not enough then along comes the crocus scam of 100 million
goes missing. lets make them open up the books. |
| | rabble-rouser | July 25, 2008 4:05:15 PM | | WANTED: any and all persons who were overcharged by MPI [Read The Article] as per the story in
the Winnipeg Free Press July 25, 2008 page A6 by Mary Agnes Welch. Please
contact me. You may post something here or you may contact me at
victimsofmpi@gmail.com I want to help facilitate putting cash in your pocket
that is rightfully yours. |
| | brad | July 25, 2008 11:35:01 AM | To all that attended the meeting the other night... huge cudos....
To those that missed it... stay tuned, as good stuff is happening. |
| | K Helgesen | July 23, 2008 1:03:59 AM | Please take a moment to sign the petition through the Canadian Tax Payer's
Federation website, located here:
Canadian Taxpayers Federation
The only answer to these and many other issues with MPIC is abolishment. This
nasty system is so deeply rooted in corrupt policy that this is the only
answer. The government has no business in business! |
| | injured | July 21, 2008 7:38:44 AM | | i will be there also please post it on winnipegheights.com too for more people
to attend thx. |
| | Big Bill | July 20, 2008 7:06:41 AM | | Count me in if you haven't already.
I'll be there. |
| | brad | July 19, 2008 7:17:47 PM | hey everybody...
so far attendance on Tuesday is very small... only 3 people saying they will be
there. Talk is cheap.... time to put our words into action!
call 221-6415 to confirm your attendance or post a blog |
| | quadmom | July 19, 2008 12:24:41 PM | | hi there, just to let you know that i'll be there on the 22nd. can't wait to
meet you all! |
| | mpisfavouriteclaimant | July 15, 2008 9:16:49 PM | | Brian, you are a wise man. Hope you make it out to the meeting on the 22nd.
Something needs to be done and you sound like a person with quite a few
valuable thoughts to share. |
| | brad | July 15, 2008 8:15:15 PM | | Brian... |
| | Brian Ross | July 15, 2008 7:21:53 PM | To Frustrated
Apathy is such an ugly word....it is human nature to need a reason to care.
a "what's it to me" or "what's in it for me" is usual and natural
even a gov't never does anything without those natural instincts being
satisfied
a gov't after all is nothing more than the Management arm of a corporation that
is out to accumulate wealth for the corporation, and politicians strive to
personally benefit thereby, just like any other corporate lackey. That goal has
nothing to do with you and I...we are the employees.
But, Constitutionally, we have the authority over them...few of us understand
what that means or how to excercise that authority...or even care to. this is
the true meaning and purpose of democracy....a gov't is the servant of the
people. Too many of us allow the servant pernicious thievery.
The answer to every question that begins "why do they" do such and such is
always because we have surrendered our authority to say yea or nay. Silence
becomes acceptance by acquiesence. Of course they walk all over us...the
madding crowd is too preoccupied with survival to stand let alone fight for
their rights. The stories in here point to the fact that our own gov't has
endangered our survival (ie abandoned its duty to protect our right to personal
security) by allowing a gov't agency to adopt such unlawful
policies....policies that go even against its own Act. |
| | brad | July 15, 2008 2:59:15 PM | thx Fed Up... please do try to make it.... I know some days can be difficult
but there will be people there to support you... we all have to care about and
for each other to make this work.
ALSO FOR EVERYONE PLANNING TO ATTEND
bring a short written outline of your story with MPI as I will get them copied
and sent to each person so we all know just exactly where each of us are coming
from.
cheers... |
| | Seriously Fed Up | July 15, 2008 2:39:48 PM | | count me in as a "want to be there" and be assured that I will definitely be
present if I am able. Much depends on how I am feeling that day. I'll bring
ID. |
| | brad | July 15, 2008 2:10:33 PM | hi everyone
Well I guess it is getting down to the point where we either put up ot shut up.
I have re-thought the idea of the town hall meeting and how difficult it has
been to get sufficient interest and proper support for this to happen. So here
is my plan, for those who have any interest (no offense taken if you don't).
I am recommending we meet at Smitty's on Pembina & Grant next Tuesday July 22nd
at 7PM... I will arrange for seating under the name "MPI Sucks" for a dozen
people (am I being too optomistic?) to come and discuss how we wish to proceed
with our overall plan. If nobody shows or calls to say they just couldn't make
it yet still want to be accounted for, then I guess we will know where this
initiative stands.
I have a lot of info to share with everybody about MPI, AICAC, the Claimant
Advisers Office, IME's, etc however you will need to show up or be accounted
for to get this info. It is isn't that I don't wish to share it with everyone
but there simply has to be some incentive for people to come to the meeting.
To safe guard against anybody showing up secretly as a representative for MPI,
each person should bring verifiable Identification with them. I know it sounds
silly but we just don't need to deal with this kind of $%!#* from MPI. I have
no qualms with them knowing about the overall intiative, just not the details.
I trust all with concur.
I can be reached at either 221-6415 or 998-6499 (cell) if you leave a
message please refer to MPI Sucks, so I know who and what with my messages.
Do you think we could convince George W. Bush that MPI is a terrorist cell
trying to bring down democracy one person at a time and they have WMD (Weapons
of Mandatory Destruction) given to them by our dear government?
play safe... |
| | Brian R..... | July 15, 2008 7:08:56 AM | I too am interested in joining in a class action ....only if the will of we
people is stringently excercised shall MPIC be (not brought down) brought
about...getting into bombast and rhetoric and just plain bitching is not what
I'm about.....there are so many horror stories it's...well...horrible
and deplorable....and.... more deplorable than MPIC's actions is the average
citizens' acceptance of the Corporation's abuse of its clients.
Most of the Comments here demonstrate some right that has been unlawfully taken
from us....but not really....since it is not lawful to enact our rights
away...the Acts have no ground...it is our tacit and ignorant complicity via a
misunderstanding of who is servant and who master in Canadian law.
"the right to sue" is considered in the law, as all rights are, to be property.
Under the Criminal Code of Canada (which is Law) you have the authority to
protect your property by any means against ANYONE so long as you do not cause
wilful harm.To enact a rule that you cannot sue is TRESPASS and thus unlawful. |
| | Frustrated | July 14, 2008 10:17:56 AM | Brian R.
You are so right, in so many ways.
One of the most prominent items of which you speak, is to the apathetic public,
whom are so brainwashed, and led down the garden path. And the statements are
usually started with:
"Look at how good we are, and how much we do for you, and what we offer for
services". Meanwhile, whilst they are offering those 'few examples', they are
also denying multitudes of other offerings, that are part and parcel most
everywhere else in this western hemisphere. But what we don't get, people
don't know about, until they need it. Then, when they do, they are denied,
and 'you can appeal this', which takes on average, a year or thereabouts.
Devastating is the word. MPIC runs their system to devastate people, to make
them seek other means of progress. That is not always lawful in itself.
But this is covered by the premise of "aren't we great"; "aren't we
wonderful"; "aren't we helpful"; "look at how much money we send you back in
the spring";
One of my first questions is, why are they charging so much, and obviously
overcharging, when they offer so little?
So they can all feed at the trough, that's why. And the people keep paying. |
| | Brian Ross | July 13, 2008 9:32:39 PM | Almost everything MPIC does is unlawful. The remedy to MPIC does not reside in
any Statute or Act (rule) of the Corporation of Manitoba.The remedy is in the
Law. The MPIC Act and the Highway Traffic Act are not Law....they are rules
given the force of Law. The distinction is everything.
The simplest example is the "suspension of your driver's licence"
The HTA accords the Registrar of MPIC/DMV the power to cancel your driver's
licence.
The Law is that your Driver's Licence is Property.
The Law is that you cannot be forced to forfeit property without due process.
that is, without trial.
Any Act or Statute that infringes the Law is an invalid and unlawful provision
of the Corporation that enacted it. In this case the Gov't of MB
Also,
....you are told that your driver's licence is cancelled for "x" length of
time, your right to obtain a Manitoba Driver's licence is suspended for "x",
and your privilege to drive the highways of Manitoba is cancelled.
This is so wrong in so many ways one scarcely knows where to begin.
Also,
....you are told that you must bring your VALID licence with when you complete
your "suspension" to schedule a retest and pay to reinstate your right to
obtain a licence.
If my licence is at this point valid ....???
My concerns with MPIC have never been for injury claims....it is the
lawlessness and self- serving autocratic rulings the Corporation indulges in
with impunity and to our harm.
Fundamentally it is a classic case of "here...look at the wonderful thing your
Gov't is doing for you"...just another way our sovereign rights to personal
liberty and security are eroded under the guise of doing it for our own
good. |
| | Derek | July 9, 2008 10:41:58 AM | | After reading some posts on here my beef with how much MPI sucks may seem very
petty indeed. I recently moved to the province from Saskatchewan, or as I am
learning otherwise is known affectionatly as "The Gap" to most of you. When I
signed up for MPI coverage for my car I was horrified to learn that my monthly
insurance rate would be $158.87. Up from the reasonable $62.19 I was paying a
month in Sask through SGI, which is pretty much the same type of goverment run
so called "non profit" orginization that is supposed to "benefit the people it
serves". I had a 12 year driving history in which I had no de-merit points
thus getting me SGI's maximum discount of 25%. However MPI has informed me
that they will not take that into account here until I have a 1 year history
with MPI because my 12 year squeeky clean record happened in another
jurisdiction. Also when I got my license they took my old photo ID and
shredded it which was to be expected and told me I would get my photo ID in 2 -
4 weeks. However it is now 9 weeks later and I have yet to recieve anything
from MPI other than the "tough $%!#* quot; like answers I get from the call center.
When I explained that I am now left with no photo ID I was told by the quite
bitchy lady on the other end of the phone that it was my fault I didn't have a
passport to show who I am. Is there any other options in this province or am I
pretty much forced to have to be an MPI customer. If there was another option
for car insurance I certainly wouldn't be giving MPI my business. MPI sucks! |
| | j | July 6, 2008 5:05:13 PM | How does one get in touch with Injustice Resolution Xperts.
Thanks
I believe their tele # is 221-6415.
Oxy_u |
| | Big Bill | July 5, 2008 1:11:06 PM | Re Brad: 221-6415
I left a message at that number, wanted to speak with you on a more personal level.
Hi Steve.
I think a meeting as you suggested would be a good idea, (like at a quiet park), keep the cost down,
bring a lunch, and come up with a plan however small the group.
Smaller may be better to begin with, less than 20 people to get the ball rolling, form a core group, and
chose our spokespeople, and etc.
I'm willing to donate to the cause in any way I'm able, but I live an hour out of Winnipeg and can't
justify spending $30.00 on gas unless there's hope that something positive comes of it, and not a one
sided affair on enemy ground which is why I did not attend the MPIC home turf meeting.
(been there done that)
There are some here who were genuinely screwed over by MPIC, myself included, and I think most of
us have been on the disheartening government merry go round with little or no success, and at this
point I personally would be into a road trip to visit the feds in Ottawa if that's what it takes to get the
message out about MPIC's practices, because I don't think we'll find justice within the province of
Manitoba, too much interdepartmental inbreeding, back scratching, and brown nosing going on from
all the political parties, from the top on down and outward!
Sometimes you have to draw the enemy away from home base and into neutral territory in order to
swing the odds in your favor, we might get a lot more attention on the national news than on the local
news if need be.
I'm ready to walk,march, crawl, drive, take a bus, or ride on the train, I don't care, I need closure to my
personal nightmare, and I'm ready to go now if I believe something may come of it, as long as the
outcome is definite and final, one way or another!
Maybe for a second meeting, we could hold the meeting at the new "museum for human rights", since
MPIC dictates that certain people don't have any, and see if we could get one of the Asper family or the
museum curator to attend and hear our claims.
Perhaps they could advise us, or hook us up with some world class lawyers who don't work for the
province of MB, or primarily for the almighty $$$ !
(just a thought)
We could call ourselves a living exhibit! (humor)
If anyone would like to speak on the phone, email me your phone # and I will call you back so you won't
have to pay long distance charges.
If you don't want to give your #, I'll send you mine.
In your email, I want you to declare that you are not an employee of MPIC, a police officer or an
investigator employed by, representative of, or connected to any level of the government of MB, in any
way shape or form.
I don't normally post my E address, but in this case I will.
MPIC needs a good spanking, let's make it happen!
bigbill@mts.net |
| | Steve | July 4, 2008 1:18:22 PM | Re My Proposed Rally at the Legislature
Silly me, I forgot that the powers that be are not governed by the same labor
laws as the workers ants of society. It is legislated that we have to work 50
out every 52 weeks a year before we get a paid holiday.
Regardless, even if they are on holidays for months on end we should get
ourselves organized. For what its worth we could just meet and have a picnic at
the Legislature (or Central Park or??) for the sole purpose of getting
organized and united.
We don't have to spend money; we just need to get our act together.
My basic mission statement is: To get the laws changed so that Innocent
productive members of society are compensated and their assailants punished by
law not protected by law.
If you are permanently affected by an MVA which is not your fault; you should
have the right to seek compensation for your suffering and loss. There should
be NO CAPS ON THIS! I am not talking about the impaired driver getting millions
of dollars because he drove into a wall and is now paralyzed; I am talking
about the person he drove over on his way to the wall.
No Fault insurance is a recipe for civil disobedience. If we don't punish
people for their actions on the roadways they are not going care. If productive
members of society are re-victimized by the Government protecting their
assailants; Productive people quickly become unproductive. Why be a productive
member of society if it's all going to be taking away by a criminal who is
protected by law?
I ramble sometimes.:)
Steve - Creator NoFaultVictims |
| | MPI.... | July 2, 2008 10:08:36 PM | I agree! MPI lies!
I had been rushed to the HSC again with another problem hitting me out of the
blue. Like 2 posts back you can read. I had a stroke like face and was not able
to think right. (putting socks over shoes getting ready to go and more.)The
Dr's saying that it was not a stroke! that I was in good health but, something
in my neck was pinching something or the swelling was causing this. MPI somehow
gets wind of this, twists the story to fit them and says that I am not able to
continue my chrio as it was causing me to stroke out! and that the chiro should
be ashamed of herself for causing me to suffer this.
Again, 2 Dr's had seen me and there was nothing in my medical history that even
comes close to stating anything about a stroke.
they cut off the chiro that I had been getting since the accident 3 months,
2 weeks go by my face now on the right side (as the left was num since the mva)
now was numing and drooping more and more, my right arm was having trouble with
blood flow, I would awake to a fully purple arm that I could not feel or move,
for at least 5 mins after waking up...at least. this lead to many hospital
visits. sometimes the blood flow was cut off for so long that my arm was in
pain for 24 hours of more afterwards. I now do not have good days and bad days
as my nerves in my face are always num and buzzing 24/7.
and this could have been fixed just by letting be go back to what we know was
working for me. Chiro.
I was better in Dec. then I am now.
this is yet just another lie to benifit them not us who need it.
I just want to feel my face and think straight again!
I know their lies are to save them money but, what happenes when I a forced to
go back to a job that I can not do because of lack of Dr. care?
My claim is still open for 2 years, and we know my problems are still here!
how is this saving them money? it is in reality cause more damage.
a pinched nerve can only last/live so long with blood flow being cut off.
I am just one of many!
I feel so badly for us all. |
| | STEVE & SOPHIE LOCKHART | July 2, 2008 9:48:52 PM | | I notice while M.P.I.C. refuse to spend anything to help accident victims It
has no problems giving a million bucks to the holocaust museum?
Is this why we pay ridicules insurance rates?
When did M.P.I.C. get a mandate to fund those kinds of projects?
But many of us can't even get a $28.00 cyro treatment to get out of pain and
walk strait.
What an abuse of our dollars! |
| | STEVE & SOPHIE LOCKHART | July 2, 2008 9:40:21 PM | We got rear ended in May 2001. My wife & sister were taken to the hospital in
an ambulance due to seat belt type injuries. I substained injuries to me right
leg, hip, upper back, wrists neck. I went to the hospital also.
In July 2003 we were hit again. I sustained injuries to my left leg, neck &
wrists.
I was seen by my doctor that confirmed these injuries; my wife was seen by her
doctor also. We were both seen & examined at the hospital after the first
accident.
My orthopedic surgeon opperated on my right knee for what he called impact
injuries. M.P.I.C sent the reports to their paid Dr. that never seen either
one us ever!
They determined it was a pre-existing injury? In their Dr’s. own words "He had
no evidence of that" but M.P.I.C. holds all the cards and decided that I did
not require any type of care for my pain & injuries.
I appealed to their appeal process, which means another adjuster in the same
M.P.I.C.Building. And of course they supported the first adjuster’s findings
(Big surprise). They even had the nerve to say its arthritis that set in?? I
guess at the moment of the accident arthritis struck me down? It would of
happened even if I had spent the day in bed!!! Ridicules!!! When the
compensation review board opened it's doors in March of 2005 I filled with the.
I was told they took the place of lawyers.
Well here I am 3 years+ later and nothing has happened! No hearing, no
settlement, nothing!!!
The problem as I see it is they all work for the government. It doesn't matter
if they do any work or settle any claims, they still get paid!
A lawyer told me that there's no way M.P.I.C. would ever allow this to go to
court under a fair system in which a impartial judge would listen to the
medical evidence and decide the case.
But our right to security & medical treatment has been taken away.
At the time I was out of work, so in M.P.I.C.'S opinion I never would of worked
again?? So I get nothing for all my pain & suffering & no treatment to help
with the pain of my ankle going out of place.
This system is a joke. And what even worst is that I have to keep paying for
insurance every month to a company that refuses to cover me for injuries
Until can get back to a fair impartial ruling by a judge based on medical
evidence we will never get a fair deal or medical attention required for our
injuries.
Why do adjusters have to right to over rule medical experts diagnosis?
Why is it that Dr's in general can't even prescribe and aspirin without
examining you but M.P.I.C.'S dr's can do what ever they want without every even
seeing you? Why do they not have to comply with the laws???
This system was supposed to speed up the system. M.P.I.C. claimed it would
eliminate lawyers and make in simpler for us to get medical care and benefits.
But they never told us they still get all the funds they need to hire Dr's
lawyers & experts to fight you on your claim! Just your right to legal
representation was removed!
We need a fair system where M.P.I.C. Has to prove their ridicules theories
Steve & Sophie Lockhart
Starbuck MB. |
| | Car Accident- ARCC Program | July 2, 2008 9:03:11 PM | Well, it is good to see people are talking about the monopoly that is MPIC.
We also need to address the fact that , there are Doctors out there that are
getting paid to get us off of MPI doller$ no matter what!
If you want to read up on one of these such Dr's go to rateyourmd.com
Dr.C. Hoy not to be confused with his brothers also Doctors.
I have seen first hand the dirty dealings.
He only charts what will help him/MPI's case and not the injured.
I after blacking out, throwing up, dizzy, seeing spots and then passing out!
Not to mention the stroke looking sideways mouth and eye. I had no medical
attention..... I had a personal trainer bring me ice and ask me to leave the
gym floor, "Get up and walk" the next week I was pulled out of my rehab class
to see Dr. H. He stated that my pain was "in my head" That even though my mouth
is sideways when I talk........ that it was not a problem from the accident,
and that because I can move my mouth it was not an issue. and that "if I wanted
to be one of those people" Q: what people? A: "hypochondriac" I could continue
my search for the "pink elephant disease" cause nothing is wrong with me!
the passing out and blacking out was something I did cause A. I want people to
pay attention to me, "drama queen" or B. I have myself so into my injuries that
I am so upset I make myself pass out.
as the visit ends... "It was all in my head" "I am a drama queen who loves
attention" and if I seek a second opinion I am looking for "pink elephant
disease" wow!
This coming from a man who has yet to examine me!
The stories are many and sound the same! Please do something to help.
Look into the ARCC program! We need help in there and most people in their 50's-
60's are scared to stand up as they have seen their friends be cut off just
from saying something.
This has to be stopped!! THANK YOU!
DO NOT BE SCARED!!! STAND UP! BUT DO IT TOGETHER!
I will not quit until there is change. |
| | steve.t | July 2, 2008 10:21:45 AM | | re..Brad. I just got on the band wagon . ive got the last five years
expperincebattling mpic every time i get close to getting a step closer my case
manager gets transfered to another location. then i have to start filling forms
out all over again three times now. even thought the court of queens bench says
mpic as to cover me ,that was two and a half years ago.it startsin 2003 dec 15
515pm i was driving truck for a local farmer(hauling hay) and bulk potatoes. my
boss and i just finished loading 32 round bales; iwas putting the safty strap
down the middle of the load, i loose my footing fall off the load from the
top,smash my heel. today i take between 6and 12 t-3's. guess what t-3's and
driving semi a great big no no .unless your driving for mpic .i do have a
lawyer but its not hurrying up the process.ive sent e-mails to everyone in
government chain of command to no avail sooo. I cant help but wonder if us in
portage la p are the only ones that have this problem with mpic. i would like
to hear from other related cases.cause i my self wont let up till we get rid of
this evil entity.if im able to post my info. i would like to hear from all
those in favour.the feds might not listen to a couple of small voices but they
will listen to a whole bunch of voices. 239 1531 first we need a petition with
names then we go from there. |
| | Seriously Fed Up | June 29, 2008 2:47:39 PM | | the meeting was predictably boring. I saw no media though MPI did bring in a
gigantic burly security guard (just in case ??). There was much discussion
about immobilizers and the corporation denies any knowledge of any such devices
ever being defeated. Those of you with evidence to the contrary please speak
up. There was some discussion about personal injury benefits. Mostly it was
boring. until people start showing up to these sort of things I predict not
much will happen to change this unfair "scheme". Yawn. |
| | steve | June 26, 2008 7:07:11 PM | Re: Manitoba Public Insurance community meeting.
Sounds like a staged public relations smoke screen. No different than the Fair
Practices Office and the Claimant
Advisors, just PR smoke screens. Think about
it, If MPI really wanted to discuss the public's concerns this event would be a
regular occurrence that all licensed drivers are made aware of thru their
license renewal. Not just the select few who happen to read the Free Press one
week prior and are capable of dropping everything to attend. MPI has the
ability to effectively communicate with the public but they choose not to. They
want to host an event where the only people who show up is the media to
publicly document "how small" the No Fault resistence is.
Prove me wrong. I was unable to attend. Could some one post comments as to how
it went?
http://www.nofaultvictims.com
nofaultvictims@yahoo.ca |
| | quadmom | June 26, 2008 10:01:08 AM | | hello all! wondering how the meeting with mpi went last night? my van broke
down so was very dissapointed i couldn't make it. please fill me in. thanks a
lot |
| | Dawn | June 25, 2008 2:56:27 PM | | I am having a time getting MPI to admit that safety inspections are not done
right. Auto dealers have the right to put used parts from wrecked cars on cars
on their lot so they can pass safety. I have a car that I bought in Sept 07.
I have had it for 9 months and happen to have to have the car taken to a Kia
Dealership only to find out that it is unsafe to drive. There are 8 safety
issues with the car and all MPI Inspections say is that it is legal for them to
do this and it is 30 day or 1500 kms. I put that on my car in the first two
weeks. Now I have a car that should not be on the road but a supposidly
reputable dealership said it was fine. I live out of town and have no other
transportation as I thought I had a reliable car. I will most definitely be at
the forum tonight and hope to get a chance to air my views on this. |
| | injured | June 23, 2008 11:54:47 PM | | do you relly think MLAs are going to step up to the plate, they are too busy
drinking from the same trough, its big enough for alot more than them. also
this is the biggest place, bigger than germany for properganda, the spin
doctors here are the best in the world. are then going to offer us showers
too. there will be cameras alright but not from tv stations. the leg is the
only way. and that only takes 1 person with a tent and sleeping bag to get
issues in the open where people can whats really going on and the results. but
also will know who we are going to vote for in the next election at the same
time. never mind the party bull $%!#* they are all the same, their is no NDP,
LIB, OR PC. we just got to make them accountible for their actions just like
MPI. |
| | brad | June 23, 2008 7:31:15 PM | hey folks...
Sorry for the lack of follow up on the proposed town hall meeting however life
has been hectic trying to keep things going.
There will be no meeting scheduled for this Wednesday due to lack of commitment
for financial support. I have had only 3 people call ofering to provide some
support for a total of approximately $90 - $100 maximum which does not come
close to cover costs of renting a hall, refeshments, etc... I am sorry but I
cannot afford to pick up the tab, which may become necessary if donations at
the meeting are insufficient. I am certain all can understand this problem.
It is somewhat frustrating to read of so many people who are victims of MPI,
and who wish for change yet not willing to be a realistic part of the solution.
Taking action against MPI costs money... hopefully not a lot however enough so
that it can't fall on the backs of just the few who have called to confirm
their support.
I will try to reschedule another meeting however unless more support (other
than words)is offered there is not much likely going to happen. I am not
looking to collect money in advance however commitments that their support will
be made real at the meeting is essential.
As for the MPI meeting on the 25th... I suspect MPI chose this date knowing of
our proposed town hall meeting... do you really think it is a coincidence? This
meeting is MPI's dog & pony show whereby they publicly release their annual
report which will say how wonderful they are. I was at same meeting 2 years ago
and they shut down quickly any overt attempt to pick on MPI... their response
will be... "we will look into and get back to you..." I am still waiting...
surprise, surprise!
It is still worth going, but don't get your hopes up too high. They are masters
at deflection.
There are other ideas which I am not prepared to comment on here as I don't
wish MPI to know any sooner than necessary what is being planned for them. I
can assure you that it will be not welcomed by MPI... I was waiting for the
town hall meeting to put the initiative forward.
I will wait to see if more support is offered during this week. 221-6415 |
| | iwuvmpi | June 23, 2008 6:08:31 PM | | Where are the opposition MLAs? Do they even care? |
| | mpisfavouriteclaimant | June 23, 2008 1:07:43 PM | | Unless Brad posts something in the next 24 hours (or so) I guess we can assume
there will only be one meeting and hey...why not have the refreshments at MPI's
expense ! I am looking forward to meeting others in a similar situation and
planning the next step (as 'injured' mentioned, perhaps the Legislature).
Count me in. |
| | injured | June 23, 2008 12:40:26 PM | | hope this meeting is not just for venting and no action. next step lets take
it to the leg thats only way the cameras will be there and not just reporters.
but please clearify if there are 2 meetings or not thx ps will be there |
| | on neutral ground | June 23, 2008 11:42:11 AM | | i'll be there for the 'come talk with us' someone post the venue and time of
the other meeting please |
| | quadmom | June 23, 2008 10:39:36 AM | | hello all!!! so who's attending the mpi "come talk with us" session on
wednesday the 25th? is the other meeting we talked about still on? let me
know. thanks |
| | Seriously Fed Up | June 22, 2008 12:24:27 PM | Are there 2 meetings?
Brad - did you ever set a time and place for your Town Hall meeting?
Erin - can you get your CTV contact to attend the MPI meeting at the CanadInn
on the 25th?
I hope huge numbers of people turn up to make themselves heard. This is our
chance. |
| | mpisfavouriteclaimant | June 22, 2008 11:10:50 AM | | Big Bill, 2 separate meetings on the same day. |
| | Big Bill | June 22, 2008 9:05:19 AM | Are we talking about the same meeting here, or two separate meetings on the same day?
Re: Brad
"We need 10 committed workers to help organize the "Town Hall" meeting for June 25th, 2008. This
Coalition must be driven from the ground up to ensure our direction and motives are pure. "
Re: mpisfavouriteclaimant
"MPI is hosting a community meeting. They are calling it "Come Talk With Us...Hearing from you keeps
us in touch." They claim, "this is a good chance for you to ask, in person, about the issues that concern
you." It is being held Wednesday June 25th @ 7:00PM Canad Inn Ambassador Room 'A' 1824 Pembina
Hwy. Refreshments will be served !" |
| | on neutral ground | June 20, 2008 8:23:23 PM | | That is great news that MPI is having a community meeting, maybe they are
finally going to start listening to the people who pay their salary, the
ratepayers. I will be there. |
| | mpisfavouriteclaimant | June 20, 2008 1:24:36 PM | Did anyone notice in the Winnipeg Free Press today (lower right corner of page
B3) that MPI is hosting a community meeting. They are calling it "Come Talk
With Us...Hearing from you keeps us in touch." They claim, "this is a good
chance for you to ask, in person, about the issues that concern you." It is
being held Wednesday June 25th @ 7:00PM Canad Inn Ambassador Room 'A' 1824
Pembina Hwy. Refreshments will be served !
To all those who have complaints, comments or otherwise...show up. Who knows,
perhaps the media might take an interest if enough of us show up. |
| | Vicki Rempel | June 16, 2008 12:46:15 PM | Dear Fellow Manitobans and Autopac rate payers;
On May 29th 2008, I went to my son's school to get my hair done for a family
wedding.
I am a Homecare worker, and I do not have a lot of cash to spare.
So I went to support the vocational students and to save a few bucks.
It cost me $20, and I left a nice tip.
While waiting at the exit to leave the parking lot, and to my shock, a
student ahead of me unexpectedly backed up into me instead of moving forward.
She said to me then and there that she saw me but that it was my job to get
out of her way.
I hadn't moved because I had no time to see if there was anyone else behind
or beside me.
All I could see was her - quickly backing into me!
We both put in our claims with autopac, both stating the collision was not
our fault.
She found a witness, another student, who said that I rear-ended her.
I have not found a witness, although I tried.
I asked the school principal for assistance, and whether the construction
crew working on the new gym had seen anything, and if the parking lot security
camera showed the collision.
No-one has come forward to support me.
I am unknown there - a fish out of water - a Mom at a high school.
Unfortunately, the camera did not show the area where the collision took
place.
I am now found 100% at fault.
I have been punished for not having a witness to support my story, and she
has been rewarded for finding one.
Even if I did find one, what if she found two?
It's just a game.
In addition to having to pay the deductable, this at-fault goes on my record,
which means a surcharge on my licence and autopac premiums.
I have shelled out extra insurance to the car rental place, because if
anything happened to the rental, I could not afford a second $500 deductable.
I now have a $900 hairdo, folks, and the cost could be climbing...
But the student, under the graduated licencing program, could have had even
more to lose, thus motivating her even more to lie.
My hair looks great, by the way - kudos to the hairdressing students - but my
heart is heavy knowing I am locked in an insurance system that rewards liars
who can recruit other liars.
Why should you care?
Next time she could be having a collision with you or someone you care about,
and if it worked before, she will probably try lying again.
The Truth is what was damaged the most in that parking lot.
Vicki Rempel
304 Sharp Blvd
Winnipeg, MB R3J 2K6
831-5199 |
| | brad | June 13, 2008 10:19:58 AM | I am well aware of the structure and mandate of the Claims Advisors Office,
however they are not all they are cracked up to be. While the MPI Act states
they are not employees of MPI the fact remains, they get paid by MPI, whether
it is direct or not, so folks don't be so naiave of how this system works.
While they are Civil Servants, the fact remains they do not fall under the
Civil Service Commission authority, and this comes from the horse's mouth, and
not mine. They report to MPI. Enough said.
The focus of Coalition of Rights & Freedoms for Justice is initially MPI and
whether you choose to become a supporter or not, is entirely up to you. There
is nothing which forces you to do or say anything you don't wish to other than
trying to support in general principles, the overall mandate of
justice."Membership" is a loose terminology, as there are no legal attachments
other than doing your best to support common goals & objectives... and if
getting rid of MPI is the only one you care about, so be it.
Everyone should know that getting rid of MPI may not be the best result, as
private insurers are simply a different game whereby injustice also prevails.
People from non-government insurance provinces will quickly tell you of their
horrow stories, such as only getting paid a maximum of $4,000 for pain &
suffering for minor injuries, which by medical & applicable legal definition
applies to 95% of all bodily injuries. So be careful of the poison you
choose... toxicitity is simply a matter of degrees!
Right now the injustice we need to fight against is the arbitrary decision to
terminate or decline benefits... to implement a better system of objective
decision making including the performance and role of so called Independent
Medical/Dental Examiners, and many others aspects of the system.
Nothing will change without there being a "will of the people" and right now
the "will of the people" is limited to only a handful of people who are willing
to put in the effort of time and whether we like to admit it, some money to
cover costs.
If you want to help out, call 221-6415 and leave your name and phone number
where I can reach you. |
| | injured mva | June 12, 2008 2:36:14 PM | | hi wanted to know if anybody out there has a good lawyer who kicks $%!#* and does
not buckle under for these guys. also would like to know when is the meeting
going to take place thx |
| | ron | June 9, 2008 10:52:51 PM | | Kicking mpic out sounds great, any way I can help bring them down, let me know
Ill tell a few friends. |
| | coalition supporter | June 6, 2008 9:57:19 PM | | i want to learn more about this coalition of rights & freedoms for justice. is
it about mpi? no fault? i'm all for justice but i prefer to focus my support
on ridding manitoba of mpic and it's arbitrary biased administration of pipp
benefits to those of us with the misfortune of being involved in an mva. if i
volunteer to be part of your coalition will i be working on other unrelated
issues? perhaps a better name might be "coalition against MPIC", i think the
name is confusing |
| | on neutral ground | June 6, 2008 9:40:25 PM | brad - FYI here is info about the CAO. It is run in the same manner as the
AICAC. I have heard good things about both the CAO and AICAC (with the
exception of some of the Taylor decisions in the 'early years'). Below is an
excerpt from the MPIC Act posted online. Good luck with your organizing, I'll
be there once the time and place are announced !
Claimant Advisers
Claimant adviser office established
174.1(1) The claimant adviser office is established.
Appointing claimant advisers
174.1(2) Claimant advisers and other staff of the claimant adviser office
must be appointed and employed by the government under The Civil Service Act,
and are not employees of the corporation.
S.M. 2004, c. 3, s. 2.
Claimant may request assistance
174.2(1) A claimant may request that a claimant adviser provide assistance
as set out in this section or the regulations.
Claimant adviser may assist
174.2(2) A claimant adviser may assist a claimant in appealing a review
decision to the commission by
(a) advising him or her about the meaning and effect of the provisions of this
Act, the regulations and decisions made under this Act;
(b) carrying out an investigation or inspection, including obtaining an expert
opinion, respecting his or her claim; and
(c) communicating with or appearing before the commission on his or her behalf.
Disclosure of documents to claimant adviser
174.2(3) A claimant adviser, when authorized by a claimant, has the same
right as the claimant under section 151.
Section 199 applies
174.2(4) Section 199 applies, with necessary changes, to claimant advisers
and all other staff and agents of the claimant adviser office.
Regulations respecting claimant advisers
174.2(5) The minister may make regulations prescribing additional duties to
be performed by claimant advisers.
S.M. 2004, c. 3, s. 2.
Costs to be paid out of Consolidated Fund
174.3(1) The salaries of claimant advisers and staff, and all costs incurred
in connection with the claimant adviser office, shall be paid out of the
Consolidated Fund.
Corporation to pay costs into Consolidated Fund
174.3(2) The minister shall, at the beginning of a fiscal year and at such
other times as he or she considers necessary, estimate the amount of the
salaries and costs under subsection (1) for the fiscal year. Upon the approval
of the estimated amount by the Lieutenant Governor in Council, the corporation
shall pay it into the Consolidated Fund. |
| | Erin | June 6, 2008 11:19:54 AM | | I have a media contact at CTV if this meeting is to take place. I would love
to see MPI go down. Luckily I have never been injured in an accident and
have not had to deal with that part of the organization, however, when I was
17 my poor little Acadian Scooter was side-swiped by a middle-aged man in a
company van... and a poodle running around loose in the van. I was at a
complete stop when this happened, but was in mid lane-change with nowhere to
go as the light was red. When I made my claim, my adjuster said "Even though
you were not in motion at the time, you are at fault because you are the
younger, less experienced driver and must have been doing something wrong."
WORD FOR WORD. I will never forget those words.
Year after year fees increase, and we get rebates... why not just stop
increasing fees? It will remove administrative costs of giving us our
rebates, and the money can collect interest in OUR bank accounts instead of
theirs for the year that they have it! We're not getting better coverage for
these fees either.
The Acadian survived only to be rear-ended 5 years later... at nearly $700 a
year for insurance, they tried to pay out only $650 to write it off... WHAT A
JOKE! They didn't even want to pay out the costs of the insurance for the
year! Really, what is the point of insurance if it does not insure you from
anything?
A little healthy competition should not only even out the playing field, but
will create many much-needed jobs here in Winnipeg.
To the blog admin: please contact me when this Town Hall style meeting is
confirmed to take place - I will have the media on board. |
| | brad | June 4, 2008 12:04:15 PM | Coalition of Rights & Freedoms for Justice
This is a follow up to prior comments regarding this new initiative. Only a
small number of people have come forward to offer support for the town hall
meeting proposed. We need more workers to make certain this happens. We may not
be able to convince the government to get rid of MPI however we most certainly
can get changes made to how they conduct business, especially how they have no
regard for human dignity and respect of injured accident victims.
The huge surplus of profit they have developed comes right off the backs of
injured accident victims. MPI could care less... to them their mandate is not
to pay a nickel more than what they can get away with.
Did you know that while the MPI Act states that the Claims Advisor's Office are
civil servants that the Civil Service Commission has no authority over this
office. The Civil Service Commission wrote stating Claims Advisors report to
MPI as part of the Crown Corporation. So much for the myth they are
independent. At least now it is in writing.
We need 10 committed workers to help organize the "Town Hall" meeting for June
25th, 2008. This Coalition must be driven from the ground up to ensure our
direction and motives are pure.
We are searching for a place which is inexpensive to rent and reasonably
central. Thoughts and ideas are welcome.
We need $421 to cover the cost of 3 banner ads in the Winnipeg Sun.
We need to put up posters at Safeway stores, Sobey's etc and any other well
displayed public area.
We need people to help prepare documents to be handed out to everyone who
attends.
We are planning to have a table of appropriate people to respond to questions
and concerns... We do not want this to appear like we are a lynch mob....
I have one very notable media source willing to attend. I am certain others
will join in.
We are open to recommendations from supporters.
Please call 219-9550.. leave a message if no one is available. |
| | C. Begley | May 29, 2008 7:42:29 PM | Your artcle in the Free Press on 29 May , re Safe Cycling is a load of crap.
It is very very dangerous cycling on the main roadsin Winnipeg, like Osborne
and Pembina . The cycle markings that you have put on the roads, eg Dunkirk
Drive , mean absorlutley nothing. As the side walks on the major roads are not
used by walkers, and as I would slow down to a stop , while passing a walker,
and as I have a bell, I can pass walker safely. Also I always go on the side
walk facing the on coming traffic, so I can see if anyone is turning onto the
driveway or street, and I will stop.
Several times this week I almost got killed by motorists going so close to me
on Dunkirk Drive. I refuse to use the main roads in Winnipeg untill they make
proper bicyle lanes. As pedestrians hardly ever use the main road sidewalks,
why can't we use them, until you get real bicycle lanes.
I think you are wasting everybody's time and money puting out such a terrible
ad.Why don't you get cyclists to get lights at night and a bell to let people
know they are coming.
from Charles Begley Not impressed with MPI and Safe Cycling. Get a Cyclist to
write it next time.
Apparently, Charles is referring to an article MPI wrote. MPIsucks.com certainly didn't. |
| | absolutepressure | May 27, 2008 6:34:27 PM | | If the vehicle in question is not electronically controlled engine, the
immobilizer will still interrupt the starter and the ignition circuts.
So now with a electronically controlled engine it uses fuel, Ignition and
starter circut's. These circuts are cut and the immobilizer is placed in series.
Thus adding resistance to the applied circut causing premature wear on the
electronic and electrical circuts. Now as for the Installers there is a large
majority of them who are not certified journeyperson mechanics. When you have a
Immobilizer installed ask for a journeyperson mechanic and ask for their red
seal cert # and ask to see the red seal certificate. That is completely
reasonable and any journeyperson would be proud to show you their certification.
Now when it fails and it will "tow job one" go to a install center to verify
that it's not the immobilizer then they will say "nope nuttin wrong with the
immobilizer take it to a mechanic. Tow job 2 now the mechanic fixes poor
connection from non approved electronic device in vehicle boom customer eats 2
tow bills and labour to repair the free immobilizer.
P.S Guess what Ward did before operating Ward's auto security, immobilizer
install shop. starts with a M and ends with a I???????? |
| | CK | May 27, 2008 1:56:14 PM | | How about the graduated licence system. There punishing younger kids when the
seniors should be the one's being tested. I had an accident about a year ago.
This senior had pulled in front of me leaving me about a second to stop
traveling 50km. When i asked her if she saw me she said and i quote "were your
lights on" it was 1:30Pm on a clear sunny day. Now granted kids drive a little
faster but there reaction times are far superior. I think adding 16 months of
driving with an adult is only going to make a kid want to drive faster when he
is alone or with his friends. The immobilizer being forced into our cars is
another joke. 1985 Pontiac Firebird and a 2000-2004 ACURA TSX both on MPI's
List. Now how does the same immobilizer work in both those cars. Some cars on
there list don't even have a CPU. |
| | bbadmin | May 27, 2008 12:23:45 PM | I've created discussion forums for the Victims of no fault insurance.
http://www.nofaultvictims.com
You can post your story and edit it online at your leisure. Links, Polls, Rate
your DOctor, Discussion forums, More
As individuals our opinions mean nothing; As a group we have power if we
assembled our resources.
My only purpose here is to remove no fault insurance from society. I hope the
webmaster doesnt consider this spam. I made it for you; I made it for us.
bbadmin
nofaultvictims@yahoo.ca |
| | Fred | May 26, 2008 8:03:23 PM | | I think it is time to have a level playing field. Allow a choice of either
going to MPIC or a private car insurance company. If MPI is as great as it
makes itself out to be it should have no problem hanging on when there is
competition. I want to have choices instead of MPI ramming its own policies
down our throat whether we like it or not. Wouldn't it be nice to shop around
and find the type of vehicle insurance that suits you and not a "one size fits
all" socialist approach. And its time to get away from no-fault insurance...it
does not benefit anyone but the insurance corp because again it is a "one size
fits all" socialist approach. If people want to focus on change this should be
the direction to MPIC off our backs. |
| | Seriously Fed Up | May 26, 2008 11:19:50 AM | | Name a time and place for a meeting to begin the process of ridding this
province of MPI and I will be there. I will bring some bumper stickers too for
anyone who wants to publicly advertise their frustration with MPI. They are
really great looking ! If anyone wants to aquire prior to the meeting let me
know. The stickers proudly proclaim WWW.MPIsucks.COM |
| | mpisfavouriteclaimant | May 26, 2008 11:12:01 AM | Count me in for a town hall type meeting. I am inclined to believe that the
media won't care. MPI does LOTS of expensive advertising in the Winnipeg Free
Press and they are unlikely to step on MPI's toes.
Try contacting Lindsey Wiebe at the Winnipeg Free Press. She did a story about MPISucks.com on February 10, 2008 and may be interested in reporting about your town hall type meeting. Read the story |
| | quadmom | May 25, 2008 1:42:10 PM | | brad, i totally agree and am in. i'll call that number this week. lets get
this going.....it well past due!!! see you soon |
| | absolutepressure | May 24, 2008 11:05:33 PM | | Manitoba public insurance will do what ever they want make you install a un
approved anti theft system in my car and because I have a command start I have
to pay 80 bucks. Now tell me how that's not a money grab when they "our" public
insurance company is allready paying them 300 all ready. So I have to pay 80
bucks to have a anti theft system slammed in my car by hose "a" who has no
business poking into a vehicles wirring harness these "installers" who are
approved V.S.I.B. installers most of them are not certified journeyperson
mechanics. As for the 80 bucks to cover the extra work is $%!#* cuz when you
have a command start they use only one of the three shut down circuts and a .50
cent bosch relay. Ok so now lets say your car just doesent start one day now
it has to go to a C.A.A. approver shop to be checked before it can go to a
garage of your choice. So when they tell you that there is only a one percent
failure rate on these M.P.I. boxes of junk ask your self when winnipegs fire
truck was stolden why didn't they put in the fire trucks I believe the city's
responce in the paper was that they are too unreliable so good luck with the
M.P.I. immobilizer program I hear hydro is gonna make us buy there furnaces
soon. |
| | brad | May 24, 2008 2:47:49 PM | Anyone who wishes to be part of a coalition against MPI, please send e-mail to
irxperts@gmail.com or call them at 221-6415.
The Law Society of Manitoba who represents all Manitoba lawyers now wishes to
prevent claimants from choosing who can represent them for an Internal Review
or an Appeal, in spite of the fact that MPI's advertises claimants can choose
anyone they wish, even if not a lawyer. In my case I have IRX - Injustice
Resolution Xperts who are being told to cease and desist.
It is bad enough that MPI screws around with us, now the legal profession wants
to join forces with MPI. Isn't this typical of our legal system doesn't work
for us?
I say let's hold a town hall meeting and invite everyone and anyone who wishes
to say what they feel about MPI and our loss of rights. I need at least 20
people to throw $10 into a pot to cover the expense of this meeting. IRX is
collecting commitments from people to help organize. I think media outlets
would give us good coverage.
It is time to put up or shut up! |
| | Real Motocyclist, no scooter joke! | May 24, 2008 11:04:28 AM | | This is a comment about MPI's unfairness (what's new eh?) for motorcyclists
compared to "scooter riders". I cannot understand why us "real motorcyclists"
have to pay extremely high insurance premiums while scooter "biker wanna bes"
get away with cheap insurance. Let's face it, look at most (not all) of these
wannabes they have no clue what to drive a bike is like in traffic, they are
just at as much risk as us the real motorcylists and also, very often, car
drivers are put at risk of an accident to avoid this little fies sharing the
road. Many times, car drivers get into accidents thanks to the motorcyclist
wannabe's stupidity and the wannabe simply keeps going oblivious to what he /
she just caused. C'MON MPI get this wannabes on line and tag them just as you
tag us real motorcyclists, that will reduce the amount of clumpsy wannabes
riding scooters because as it is right now, just about any idiot can afford and
ride one of those joke bikes (scooters) |
| | Mercedes | May 24, 2008 1:46:27 AM | | MPIC has deceided to swindle policiy holders againt fair settlements.
I think most of the adjusters try systemiclly to chean and swindle innocent
people. The more they swindle, the adjusters get rewareded better. |
| | mercedes | May 24, 2008 1:44:01 AM | | Mpic is full of morons. Most of them can not even follow simple instructons.
Do these people have any standerd IQ tests. |
| | the pedestrian | May 16, 2008 10:20:47 PM | | Thank you "sick of it" for your reply. I am SO in agreement of what you have
said. The young man who was the unfortunate one that had been driving the truck
with the faults (many of them) due to lack of maintenance is the one who lives
with what happened, and when all of this is over I plan to contact him as he is
not the one at fault. He is roughly the same age as family members and I can
only imagine the guilt that my nephews would feel if they had been the one
driving the truck. The day of the accident was his first day on the job for
this company and it was as well unfortunate for him. I have nothing but empathy
for him and hate for the owner of the vehicles for putting us both in the
position we found ourselves in. I hope contact with the dyoung man will elp us
both heal. |
| | sick of it | May 14, 2008 2:38:04 PM | Re: The pedestrian
I am not telling this story to get sympathy for the driver. The safety of a
vehicle is ultimately the driver's responsibility and I agree with this; I
provide this story as yet another reason why we should be able to sue those who
destroy our lives in an MVA. The owner of a fleet of vehicles does not care
about the safety of their vehicles for many reasons.
Safety costs Money.
They don't have to drive it.
They can't be sued.
There is no infrastructure to make them fix it.
For every driver who refuses to drive it there are ten that will.
The events I describe took place over ten years ago and they still go on today.
First and foremost I was not involved in any MVA's with these vehicles and I
have 4 merits on my license.
I used to drive for a WPG trucking company who would not maintain their 30
trucks. 5 tons and single axle tractors operating in the city of WPG. For a
year I drove a 5-ton with no rear brakes; the front brakes were functioning. I
mastered the art of gearing down. When I went to the Transportation Safety
Board (TSB) with my complaints the fault was immediately put on me because it
is my reasonability to ensure the vehicle I drive is road worthy. I was not
taken seriously because I had already quit. This despite them having one of the
trucks in question; pulled off the road the same day I was there. He had the
fax on his desk and he mistakenly showed it to me thinking that I was the
driver of that truck. It was impounded on the spot for faulty brakes. This
despite another driver who got fed up with driving a truck with faulty brakes
(my old truck) After he almost drove over a pedestrian he drove it to the same
TSB inspection office I was sitting in and refused to drive it further and
asked the TSB to inspect it. The TSB contacted the company and told them to
pick up their truck. The owner picked up his truck and the driver was fired.
The TSB did nothing because he didn't follow proper procedures. "You can't just
drop off a truck and refuse to drive it." The labor board did nothing because
he couldn't prove that his vehicle was unsafe. That's the TSB's job and
apparently they don't take walk-ins. When a driver stood up at a staff meeting
about his fifth-wheel being loose and the mechanic not fixing it. The owner of
the company said "You either drive it or I will find someone who will." as he
proudly displays a stack of completed application forms. The fifth wheel is the
only thing that's holds the trailer to the tractor.
I told the TSB inspector many stories; but it all meant nothing because I quit
my job before talking to the TSB. Therefore, I am a disgruntled employee with
nothing to lose so I will say anything.
It is a joke! The TSB inspection office's walls are decorated with pictures of
the Billionaire owners of the trucking companies of Manitoba; proudly shaking
some Government dignitary's hand being awarded with some award of safety. It is
no wonder why they get these awards when safety complaints are handled like
this.
No Fault Insurance creates an above the law mentality for those who simply
don't care about the well being of their fellow humans. MPI is one more
Government entity whose only purpose is to protect the economy. It doesn't
matter if you are the driver of the truck or the victim of the driver; it's
quit your whining and back to work.
I am not belittling your injuries and I am not defending the driver.
Sick of it |
| | Lynn | May 10, 2008 6:32:48 PM | The news carried a story the other day about a fellow who was tailgated by
another vehicle full of kids.. They were laughing and having a good time at his
expense. It was quite dangerous and they ended up forcing him off the road so
the story went. 750 dollars damage to his vehicle and MPI expects him to pay the
deductible since he did not get the plate number of the vehicle. (He was too
busy trying to avoid the vehicle) Or he needs another witness to come forward..
We know they are out there, we know they are endangering the lives of other
people.
One would hope that the driving record and no claims history of this formerly
well trusted customer would count for something? (If that were the case) After
all, we are their customers. Sometimes it seems like you are dealing with a two
headed dragon, and the bad side keeps taking command. |
| | brad | May 8, 2008 12:38:44 PM | I have spoken with the fellows at IRX - Injustice Resolution Xperts and they
are more than willing to lead a fight for consumer rights whether it be against
MPI, WCB, or insurance companies in general.
As to the nature of services they provide, I can tell you that for me they are
taking a lead as my personal representative (which is within my legal rights)
and are preparing a report to present to MPI, which will most likely turn into
an appeal, given MPI's pre-disposition to ignoring facts, truth and reality.
They have extensive insurance claims backgrounds, as well as experience in
negotiations, mediation and arbitration. They know how the system works, which
is a big reason why MPI obviously is afraid of them.
For me they are doing a comprehensive file assessment of medical history
involving medical diagnoses by physicians, effectiveness of current treatment
program, functional capacities evaluations, occupational rehab assessment,
insurer's counter medical opinions, impact of injury on quality of life
assessment and whatever else is required.
I also know they have plans to fight insurers, which includes MPI, through a
coalition they are organizing. I think they are planning a town hall meeting
for people to vent about their insurers, and just MPI.
Anyway... I have no plans to be their poster boy... however they seem like good
sincere fellows who care about how people's lives are being destroyed by
insurers and want to make a difference.
If you want to know more about them, I suggest you call them at 219-9550 or
fax them at 219-9557 or e-mail they at "irxperts@gmail.com" I will say that
they do not appear to be the type to lead you on and have you believe there may
be a chance when there isn't. They spoke in plain & simple terms.
I should be on commission. I just know that after several years of fighting the
MPI system it was nice to have someone empathize with me. |
| | the pedestrian | May 7, 2008 8:42:33 PM | | Brian, I say let us do it. I am for anything that helps bring an end to the
unfair one sided system currently used by MPI. I would like to know more about
the organization you have involved in your fight against MPI. Have they been
involved from the beginning? Are you near the end with an offer and then
brought them in? I am hoping to have a settlement offer in the near future, and
would consider using them if I knew more about them. Can you outline their
involvement, fees, etc? |
| | quadmom | May 7, 2008 1:00:16 PM | | i totally agree we all have to band together and fight for our rights. lets
get together and discuss our options be it going to the media or going to the
legislature etc. e-mail me at quadmom27@hotmail.com so we can get the ball
rolling. |
| | brad | May 6, 2008 6:45:27 PM | Unbelievable!
Since 1994, when no fault scheme was introduced MPI has allowed injured
accidents the right to be represented by agent of choice who need not be a
lawyer. This right is extended as per the Manitoba Insurance Corporation Act
and Regulation 38/94. IRX - Injustice Resolutions Xperts, who are handling my
claim against MPI, are now being told if they represent claimants they will be
guilty of the unauthorized practice of law. However, MPI says your friends or
family can represent you... DUH!
The Law Society of Manitoba, representing all lawyers, says they support MPI
and not injured accident victims. The MPI Act says claims are not founded
in "tort" (commonly known as right to sue for damages)... The Legal Profession
Act says a person negotiating claims not founded in "tort" are exempt from The
Legal Prof Act.
The MPI Act also says you can choose to use a "claims advisor" from the Claims
Advisors Office, even though these individuals are not lawyers and not exempt
from The Legal Profession Act. Isn't it interesting MPI pays the salaries and
expenses for the Claims Advisors Office, as well as the Automobile Injury
Compensation Appeal Commission?
We all know that lawyers are really not interested in dealing with small claims
that do not yield a good return on fees; OR... they handle work for MPI and
have a conflict of interest: OR... they simply don't care about us "little"
people.
1. So where does an injured accident victim go for help when MPI begins
screwing them around?
2. Suddenly after 14 years, why are MPI and Legal Profession now concerned who
can represent injured accident victims? It has been the same MPI Act and Legal
Profession Act, so why now?
3. What gives MPI the right to decide who we can get help from?
The answers are simple. MPI doesn't like accident victims being represented by
anybody who knows the system... knows insurance... understands what "bad faith"
is. MPI and Law Society believe they can do whatever they want... to whomever
they want... whenever they want... and they call it justice... and sadly, they
will often be supported by the judicial system! They want total control at all
times.
MPI stands for...
M - manipulative
P - predictable
I - injustice
I have mentioned IRX - Injustice Resolution Xperts not because I particularly
care about them... however I do care that I have the right to use them or
anybody else I choose.
MPI not only wants to deny us entitled benefits, now they wish to deny us the
right to a fair fight! Is anyone surprised? Anyone interested is getting
petitions signed and picketting MPI and the Law Society Office? Let me know and
I will organize this. |
| | mpisfavouriteclaimant | May 4, 2008 5:27:09 PM | | Thank you 'quadmom' for telling it like it is. I am glad that 'mpi supporter'
didn't need mpi support on a long-term basis, great luck. MPI fails when
someone is injured and can't recover to their pre-accident life. They do not
provide adequate support to help people. MPI may be OK for those people with
minor injuries requiring a few physiotherapy visits but not when someone is
hurt beyond repair, not every injury heals. |
| | quadmom | May 4, 2008 2:43:29 PM | | in response to "MPI Supporter", i too was in a catastrophic accident and its
great you healed and were able to get back to work. if i were only that
lucky!! i am a quadriplegic now with limited use of my hands and arms. i live
in constant pain and have 2 young children to care for also. i am very greatful
to have MPI coverage because if i didn't i'd be living in an institution but
and thats a big but, it doesn't cover what they make you think. my spinal cord
doctors prescribe pain meds but MPI'S dr.'s say i don't need them. a dr. who
has never met me. so i live in pain. the amounts they have for coverage of
personal care is a joke. they expect family to do it eventhough it is the job
of the insurer. they give me $266 bi-weekly to care for my 2 very young
children. whats that???? i need 24 hr care for them as i cannot care for them
all by myself so i have to cover the cost of a nanny. i do receive income
replacement which is great but if you think you can make some extra $$$ on the
side to supplement your income or save for your kids education you can't. you
have to give that $$$ back to them. they take all motivation away. my young
daughter was in the accident with me. she is still traumatised by it and mpi
refuses to cover counselling for her. the list goes on and on. i do agree
that there are a lot of people who use the system and are lazy. they say
they're injured because they don't want to work, but i feel sorry for anyone
who is in an accident and who's life is changed forever unable to get better
like a severe spinal injury, head trauma or an amputation. mr. mpi supporrter,
the reason you didn't have a problem with mpi was that you got better!!!! try
having to deal with them for the rest of your life. having to hire a lawyer to
fight for obviously needed things like pain medication, care for your
traumatized child and items to make your home accessible for your wheelchair.
if you are in an accident, it is the job of your insurer to take care of you.
not your families. the only people who think mpi is good is the people who've
never dealt with them or people who've been injured BUT have gotten better!! |
| | MPI Supporter | May 4, 2008 3:45:11 AM | Let me start off by saying I have had to deal with the MPI for a Bodily Injury claim a few years ago when
I was seriously injured in an accident, I was in the hospital for weeks, unable to work or go back
university, and needed months of physical therapy and time for recovery. I personally think the system
was pretty good. I had absolutely no problems. I was back to work and fully recovered faster than
doctors had planned. I currently live overseas, and am appalled at the coverage these private insurance
companies offer.
To the motorcycle owners: If you had ANY common sense, you would understand why rates are so high,
sure there are some good motorcycle drivers on our roads, but the majority ride around racing and zig
zag in and out of traffic.
To guy who's son stole his car: You "grounded him on weekends" Seriously? That is what you call
discipline? No wonder he stole the family car, he knew he would just get a slap on the wrist. What would
you have done if he had injured someone in that car accident, taken the Tv and video games away too?
Wow unbelievable.
To the person wondering about insurance on the Drivers License: The $40 covers you if somehow you
drive a vehicle that is not insured, it's called uninsured motorist coverage. If you forget to renew your
own policy on time and get in an accident, or unintentionally drive someone else's car that is not
insured. Next time you want an answer, try being polite.
To everyone else that comes here to complain: Try thinking more positively, and maybe your recovery
too will be faster than expected, oh wait, you were hoping to get a free ride because that is what
insurance is for, my mistake. |
| | MK | May 2, 2008 4:09:42 PM | I'm following up on an earlier posting to say that I managed to negotiate a
reasonable settlement with MPIC over the dispute about my son's accident. The
operant word here is reasonable; After consulting with legal I took my complaint
to a very amicable MPIC supervisor who found some logic in my claim. We reached
a compromise.
I thought perhaps you folks would care to know.
MK |
| | Jean | May 2, 2008 11:45:04 AM | I have lived in europe most of my life and came to Winnipeg a few years ago. To
insure my 30-year old motorcycle with no fire/theft protection, basic insurance
etc it used to cost me 470 euros there (730 CAD), taxes included. This is for
one year worth of insurance, the weather there actually does allow riding a
motorcycle 365 days a year.
To insure a similar bike in Manitoba, with similar services (that is no
fire/theft protection), maximum deductible... MPI quoted me over 1300 CAD (plus
taxes), for a year worth of insurance. The catch is in Manitoba at best you can
drive 1/2 of the year.
That makes my insurance in Manitoba at least 4 times more expensive than what
the European rates are.
Anybody who has gone to Europe will tell you that drivers are maniac there.
Accidents do happen there and claims are also filled, in big numbers. Driving a
motorcycle there is at least more dangerous than driving one in Manitoba.
In Europe you have freedom of choosing which private company you want to be
insured with. This makes the insurance companies willing to provide better
services and better rates to attract customers.
How can MPI explain the high rates? One reason could be that MPI takes
advantages of its monopole over vehicle insurance in Manitoba. |
| | the pedestrian | May 1, 2008 9:46:32 PM | | After reading the post from MIke, dated April 15, I feel the need to respond
about his comments for those who have been injured and the right to sue. I do
understand as manyof us who have been injured, that there are no guarantees
with anything, but when your body is mangled and your life as well as that of
your loved ones is turned upside down what MPI has to offer is a joke. I am not
going to go into alot of detail surrounding my case, but as a pedestrian having
suffered injuries that nearly took my life, I am fighting for the tray set up
fee for the acupuncture that has been helping with the pain I endure in my
upper body every hour of every day as a result of having 14 ribs, a
shoulderblade and both collarbones broken. (I suffered more internal injuries
than just he broken bones)I am fighting for a $5.00/ week fee! Yet MPI boasts
that they are as of May 1 sending out millions of dollars to those in our
province as a rebate. If I had known over the past couple of years that the
rebate I was recieving was at the expense of those that need the money, I would
have gladly handed it to someone with a calim with MPI. The jerk that was
responsible for my injuries was at fault for a business vehicle that had many
safety issues that had been ignored and I cannot go after him for a penny,nor a
day in jail. He paid a minimal fine and gets out of bed every day and his life
is no different. I cannot get out of bed without the assistance of a bed rail.
I cannot change the sheets on my bed by myself due to the injuriesI sustained.
Some items that have been reccommended by my physician have been deemed
not "medically necesssary" by MPI's wonderful Medical Director. Who is he to
say what will make my day easier and give me back some sort of normalcy and
independance? Walk a mile in my shoes and then say that things could be worse.
Maybe they could be worse, but the treatment and "benefits" I recieve are the
same as someone who is "at fault" and injured in a MVA. There needs to be some
serious changes in this province as far as insurance goes. Give us the option
to sue, or the option to go with the current program. Options are what are
needed, not a forced program. I am stepping down off of my soap box now. |
| | quadmom | April 29, 2008 2:55:40 PM | | hello all!! i'd like to give my e-mail address to everyone who wants the mpi
scheme to change. if you've been in an accident and don't feel you've been
taken care of by them please contact me so we can make a change and no one has
to suffer like us anymore. we need to start now. if we don't do anything who
will. it will just keep going and more innocent people will have to suffer at
mpi's hands. e-mail me your stories and info to quadmom27@hotmail.com. |
| | New in Manitoba | April 25, 2008 3:37:46 PM | | Wow, This Mpi thing really is twisted. In every province I have lived in (4 of
them) each one had the same rule when insuring your cars. But here nope! In
every province other then this one if you have a car that is not use for
colladerial on any loans you can insure that car for just PUBLIC LIABILIY AND
PUBLIC DAMAGE PL&PD)which mean if you hit some one-you will cover their car and
and public any damage caused but it won't cover the repairs to your car. Which
if you have a car you drive very little you would pay only 300-500 buck a year
for priviledge of getting around town. |
| | mk | April 24, 2008 11:06:18 AM | Thanks Brad. I appreciate your advice.
MK |
| | brad | April 23, 2008 12:15:04 AM | Dear MK..
Thank you for sharing your problem regarding MPI's decision to seek restitution
for the damages paid as a result of the accident. I am not certain if your son
truly deserves sympathy for the consequences of his actions, HOWEVER, I do
question MPI's ability to arbitrarily decide who they go after or not, which I
am well aware is how they go about business.
If you are looking for some assistance, I suggest you call IRX - Injustice
Resolution Xperts, who try to find ways to resolve the challenges consumers
face with insurers and other non-insurance agencies. You may have grounds to
appeal MPI's decision, and if it can be demonstrated they are acting in an
arbitrary manner there may be reasonable grounds to seek a compromise, which is
part of what I believe you are willing to live with.
IRX can be reached at 219-9550. They successfully helped a friend of mine,
albeit it was a WCB claim... different government agency but same mentality.
You have nothing to lose. |
| | MK | April 22, 2008 12:18:32 PM | I'm attaching correspondence with MPIC that describes my family's experience. A
year ago, my 15 year old son stole the family car and totalled it. Autopac is
demanding he repay the cost of the vehicle and telling me they will withold his
license and sue him as an adult unless this amount is paid. My response is
contained in the attached letter, and I would apreciate any advice.
Mr. Rod Carruthers
P.0. Box 6300b
Rm 929
234 Donald St.
Winnipeg, MB
R3C 4A4
Dear Mr. Carruthers,
I’m following up our conversation of last Friday, in which we discussed my
son, and your Agency’s decision to demand compensation for the costs of his
accident last year.
For the record let me question the criteria for subrogation: It was clear from
my conversation with Ian Addsion [adjustor] that you can exercise discretion in
which cases you choose to pursue. So why Evan?
When I put that question to Joanne [subrogation] she stated that he had done
wrong and must be punished for his action. I replied that he had been punished,
severely: He’s been grounded weekends since the offense, has been forced to do
charitable work and continues to impress us with his remorse for his impulsive
action. And shouldn’t the fact that he had no history of bad behaviour prior to
the accident and evidenced none since, be important components in your
decision. Surely had this matter been tried in a legal court his record and
impulsivity would be factors in the court’s decision as would propensity for
future offense. And what magistrate would deem a fine of $17,000.00 against a
15-year-old child who’s been severely restricted in the year following the
accident and whose remorse is apparent a fair decision.
So it’s clear to me that, despite your insistence that Evan be held accountable
for these costs, the onus of payment is on his mother and I, not Evan. Again
let me ask rhetorically whether 2 hard working people with limited means – his
mother works as a teacher’s aid and I’m employed by the CBC, with a $175,000
mortgage - who’ve done everything to instill a sense of responsibility and
accountability in their 3 children, should be penalized for an impulsive action
of one of those children.
Surely you must acknowledge that the penalty for an impulsive and irresponsible
action that I, and possibly you, committed as underage adolescents, is hugely
excessive. Furthermore, I don’t have the means to pay it. I have arranged a
7500.00-dollar loan from my bank and that’s what I’m prepared to offer
immediately to make this go away. |
| | mike | April 21, 2008 5:52:58 PM | | i think we the people should protest in front of the legacy sports clinic and
also dr.neil cratons house.dr.neil craton works out of the legacy clinic and is
also a moonlighting vet is what i call them for mpi.he is the medical director
for mpi and he also can,t tell the differance between a torn rotater cuff and a
broken finger. |
| | John | April 19, 2008 6:09:26 PM | | Perhaps this is a stupid thing to do, but after the posts, being reminded once
again that MPIC is so morally bankrupt, and in my opinion from my experience
even intellectually-challenged, that it apparently has to resort to cheap,
juvenile tactics, like month-long delays to beat or frustrate injury claimants,
I realized that somebody has to break the ice on this valuable blog--somebody
has to give a name and a phone number. There may be claimants out there who
perhaps don't really have a valid or defensible claim, there may be claimants
out there who have relatively minor gripes (though they too are entitled to
justice) but there's probably many decent, law abiding claimants whose rights
are just being steamrolled over by a powerful and corrupt MPIC. There's a
pattern to the tactics that MPIC uses and the names of certain MPIC personnel
keep coming up. Having a lawyer is a good thing for claimants to have, but MPIC
will ensure that its not a quick fix. MPIC lawyers blow-off claimants' lawyers
with almost the same ease that they blow off unrepresented lawyer. Anyways,call
me. I'm a claimant, I'm not necessarily looking for help, but maybe we can share
valuable information. My number is 275-2527. That I have to do something like
this, in response to a corrupt Manitoba government insurance monopoly, is a
black eye on Manitoba. |
| | Michelle | April 19, 2008 12:55:41 PM | | I have absolutely had it with MPIC. They truly are an evil and corrupt entity.
After sitting on my file forever they finally decide to respond and reject my
claim. Which in itself is unjust. Yet to make matters worse they have not
forwarded requested information to my employee disability plan which has
resulted in a delay in receiving any benefits from them either. I swear this
entity is going to be the death of me.......... I think they scout out the
depths of society to find the most evil heartless individuals they can to employ
in the PIPC department. |
| | willey raod runnner | April 16, 2008 12:45:15 AM | | With reference to a previous post, though I know that MPIC is corrupt and
powerful and unaccountable, I won't diss the Automobile Injury Compensation
Appeal Commission nor the Claimant Adviser Office. The Commission has on
occasions severely rapped MPI's knuckles and the CAO people aren't dummies.
However, of course, if you can get a real lawyer to help you, forget about your
piddly injury claim, and just go for MPI's jugular. Sue the pants off of MPI for
acting in bad faith and expose the case managers, medical personnel, lawyers and
executives for the corrupt cowards that they are. |
| | frustrated | April 15, 2008 9:05:22 PM | | lol rick, who really knows the 100% facts....I sure don't and don't claim too.
I can only do the best I can with what I have at this moment. EVERYBODY has
the freedom to double check all information placed in front of them. lol get
a paper hey, even that is a luxury right now. I pray for you that you will
NEVER need the services you think you have. |
| | Big Bill | April 15, 2008 6:49:25 PM | Hi Rick.
The bad thing about having only one insurance company is, that you have no one to go to bat for you.
In one of my previous careers I was a professional long distance truck driver.
I've driven a couple million miles, been an owner operator, worked for Canadian and American trucking
companies, and over the years I have had dealings and spoken to many other people in the industry,
including lawyers and insurance companies on both sides of the border, concerning claims on damaged
loads, vehicle accidents, warranty issues, etc...., and a claim concerning a house fire in 1982 when an
excavator broke a gas line, our furnace ignited and set off the accumulating gas in the basement.
This I can tell you from experience!
If more than one insurance company is involved, and if you are clearly innocent of any wrong doing, in
most cases they don't ask questions, or nit pick about the cost of replacement, lost wages, or medical
needs, they take care of you and your needs, right now, and for as long as need be!
They will take the other insurance company to court to recoup any losses, if there is any resistance
from the insurer who's client is at fault!
They remove you from the process, and they don't bully or pressure you into submission, which is how
it should be, that's what you are paying for!
Isn't it?
The problem with MPIC is, you take what they give, fair or not, and you have no recourse, period!
Even before the introduction of "no fault insurance", (what a stupid notion that is), if you were someone
like myself, you had to sue your own insurance company to get any help or support whatsoever.
Lawyers were just a formality, middle men that charged you 30% of whatever you received.
It's a very lonely experience! |
| | Rick | April 15, 2008 6:07:48 PM | To Frustrated..
You should get read the paper and get your facts straight. The Avalanche that
was stolen had a FACTORY Immobilizer, which is the exact thing MPI is trying to
avoid. The factory immobilizers are not good at deterring thefts which is why
MPI is making those people get after market ones.
The aftermarket immobilizers are NOT approved by the vehicle manufacturer and may VOID YOUR VEHICLE WARRANTY. Most immobilizers are "Butchered and Hacked" into the vehicle's wiring using "Quick Connectors" which are cheap and quick to install but are NOT weather proof, CUT into the wire and create future electrical nightmares for the vehicle owner who has to PAY to fix them.
And I would love for someone to tell me how the immobilizer program is a cash
grab?!? I just had my car installed with an immobilizer and I didn't pay a
penny. It was a bit of a pain to take some time off work but that was it. Then
when I went to the broker to let them know it was done, I got $40 off my
insurance. Someone please tell me how the think of the immobilizer program as a
cash grab when you don't have to pay for it?!? MPI pays the shops directly for
installing them. It is costing them millions to do and it is to try and prevent
thefts from occuring, yet some of you are turning it into something that it
isnt, it's ridiculous. |
| | Rick | April 15, 2008 4:58:54 PM | I personally have no grudge with MPI, I have had a few claims here and there
over the years and have had no issues with them. I did have an adjuster that was
quite low on a total loss settlement, but once I provided information to support
the amount I wanted, the claim was settled and I was satisfied.
From reading a lot of the posts it would seem that the 2 main groups of people
upset with MPI are those with severe injuries from accidents and those that own
motorcycles.
For the motorcycle owners, am I the only one that actually understands why the
rates are so high? I mean come on, if you get hit while on a bike, the chances
of injury are SO much higher then a vehicle. Not to mention if you can't stand
your bike up properly and it falls over, there is thousands of dollars right
there in damage! how can you NOT understand why you have to pay so much? There
is a reason the PUB never rejects the rates for motorcycles, because there is
proof that the rates are justified.
As for the severely injured, while I completely sympathize with your situations,
I also don't think it is fair to bash MPI when you have NO idea what type of
treatment and/or care you would have received from a different insurer. And I
know people complain about the fact that they can't sue, but pre-1994 you were
able to sue and it did not do many people much good. With liable people
lawyering up, cases were taking years to go through the courts, and what could
those people do in the mean time? NOTHING. And even if you won in court, what if
that person did not have insurance? or somehow breached their insurance ? Who
would pay you then? Nobody would. I have no doubt that PIPP has some flaws, I
personally have never had to file an injury claim, but with that said, how do
you people know that there are no flaws with any other insurance company??
I moved to British Columbia 5 months ago from Manitoba and went to a local insurance agent to purchase vehicle insurance. They were having trouble getting the car's VIN to be accepted into the ICBC computer system. The vehicle is a 1977 Chev Impala that I've owned for over 20 years and was able to successfully register every year in Manitoba. To make a long story short, the ICBC computer was listing the car as a class "A" motor home because those Incompetent Morons at MPIC were missing a digit in the VIN.
Funny how MPIC's computer system never caught Their Own Error for over 20 years.
My wife and I purchased a used car in BC, drove it for a few weeks and got a stone chip in the windshield which cracked a short time later. I called ICBC and spoke with a pleasant, cheerful lady who gave me a list of approved auto glass companies located in my city. The auto glass company dealt with ICBC on my behalf. They made the claim and did the work for $100.00 LESS THAN my $300.00 deductible. ICBC sent me a letter 3 days later to verify that the glass company actually did replace the windshield.
Now THAT'S customer service :)
I always wanted to get Amateur Radio (HAM) license plates in Manitoba, but the recurring yearly cost was ridiculous. In BC, my only cost was a one time $18.00 fee for ICBC to make the custom plates, so I ordered them. They were ready in half the time they told me it would take and they sent me a cheque for the $18.00 I originally paid saying "... it was not needed to process this request".
ICBC may have flaws like MPIC, but if I was ever seriously injured in a car accident, I'd take my chances with ICBC over MPIC ANY DAY. |
| | mike | April 15, 2008 4:35:42 PM | Moved back to Manitoba to go to school after living out of province for the
last 20 years in two different provinces, both of which charge much less for
similar or better vehicle coverage, especially when it comes to motorcycles!
When my schooling is done, I'm outta' here.
Want to keep people in the province? Stop screwing them with overpriced
monopolies.
I have to admit that I too have had conversations with Manitobans who think
that MPIC is the greatest thing since sliced bread but those same people have
never lived out of province and are making claims on what experience? You
think you're getting a deal, do the math and some research.
Message to motorcycle riders/owners, sell your bike the message is obvious MPIC
wants all motorbikes off the road.
My advice, if you are a bad drive move to Manitoba you get much lower rates
because the good drivers are subsidizing you. |
| | brad | April 15, 2008 10:36:25 AM | I just got caught up with recent postings and there is much to be said. Here
are some interesting facts.
1. Consumers are of the opinion that MPI cannot be sued over their claim being
denied. This is not true. MPI have a profund duty to settle your claim in "good
faith." They have a duty to assist injured victims return to health. When the
exact opposite happens then they can be held liable for acting in "bad faith"
and can be held accountable in a court of law for damages which may very well
exceed the amount of unpaid benefits.
2. The services of AICAC (Automobile Injury Compensation Appeal Board) are paid
for by MPI who fund a special government account. This is to give consumers the
impression they are not one of the same.
3. The same goes for the Claimant Advisor's Office. Right now the Claimant
Advisors Office is approximately one year behind, so they may be not ready to
move forward with your appeal until 2009. They may mean well but service is
questionable. Also, they are really not very good in advancing the tough
arguments against AICAC.
4. You do not need a lawyer to represent you in your Internal Review and/or
Appeal. You have the right to have anyone you wish to act as your
representative. This authority is granted under the MPI Act and Regulations.
5. There is a new firm - Injustice Resolution Xperts, that has been advertising
in the Sun. They are apparently a group of ex-insurance types who want to help
claimants fight for the benefits they are entitled to receive. I am certain
MPI, WCB and other insurers will not appreciate their efforts.
6. MPI are systematically eliminating law firms from being accessible to
consumers who seek legal support for their claim. MPI farms out a few claims to
the "better & best" law firms so when contacted by a claimant the law firm is
unable to act for the claimant due to a "conflict of interest." MPI certainly
isn't stupid!
7. Statistics will validate that in virtually every region, country, province,
state where "no fault" has been implemented, there are more accidents... more
deaths... more traffic violations... more claims... than prior to its
implementation. I can provide referral to studies which confirm these facts.
Manitoba is no exception.
I welcome your thoughts and opinions to the |
|
|