| |
| | Tex | July 30, 2010 11:06:18 PM | | Maybe "found a rat" is the rat... |
| | Adrian | July 29, 2010 8:37:58 PM | "Found a rat"
Not sure if you're trying to say that what I posted was something posted by MPI
to try to gather more information on people that are trying to spread the word
but I assure you it is not and my comment is genuine.
Everything I posted is the truth and you are more then free to look me up on
Facebook (Adrian Halpert) and check out my notes for the full 4 page letter that
I sent out. I am genuinely looking for more organizations to contact and posted
what I did just as I posted the letter to my facebook because I personally don't
care who at MPI knows what I am sending and who I am sending it to.
I will write more letters and I will let more people know. And, if my voice is
still not heard, one day I will go door to door as well. I am a victim of our
current government's policy and the organization that they have put in charge of
our public policy and I believe that our voices need to be heard. |
| | found a rat | July 28, 2010 1:12:21 PM | | @Adrian. your comments appear to be a fishing expedition from MPI looking for
ways people use to battle MPI other than the media. MPI rep are we. |
| | John | July 28, 2010 8:24:14 AM | | Get a life. MPI is great. |
| | Adrian | July 20, 2010 7:14:19 PM | I was quite surprised (in a good way) to find this website.
My name is Adrian and I'm 24 years old. I'm an army reservist and have been for
7 years now as well as a recent university graduate. I used to live an active
life, playing sports and jogging on a regular basis. I also used to complete the
Battle Fitness Test (13km weighted march followed by a fireman carry) as part of
my employment.
In October 2008 I was driving my friends home as the designated driver, when a
drunk driver crossed the grass median and hit our car right on my door. The
extent of my injuries was a fractured pelvis, fractured femur, fractured
tailbone, fractured hip, collapsed lung, and a broken rib, along with the damage
from the glass shards that became embedded in the left side of my face.
After a year of physiotherapy and another year of athletic therapy I have
reached a plateau and am at the peak of my healing. I still have scars along the
left side of my face. I still have scars from the impact and surgery on my left
leg. I still have two metal rods in my left leg that will not be removed.
Although I have regained the ability to walk due to two years of hard work, I
will still not be able to run, play sports, complete the fitness test (which is
hindering my employment), or do many other things that were part of my everyday
life.
I am currently dealing with MPI's final disability compensation policy only to
find out how inadequate it really is.
- They will not approve massage therapy to deal with pain
- They will not compensate whatsoever for pain and suffering
- They will not compensate for the things that I cannot do as a result of my leg
beyond measuring what range of motion loss I have in my left leg
- When measuring range of motion, they will not compare the range of motion
against the good leg to compensate for individual flexibility and strength
- When dealing with my difficulty obtaining employment and possible future
medical release from my job they will only "Look at the jobs that I can still
do, not what jobs I can't do"
- If at any point I become mensurable by private insurance due to my leg
condition, they will not offer any compensation or alternative
- When considering my permanent disability they will not take my age into
account, the fact that I'm only 24 years old, did nothing wrong, and have to
deal with this decline in quality of life for the rest of my life
I recently wrote a 4 page letter about all these inequalities and sent it to the
Winnipeg Free Press, Winnipeg Sun, CBC, CTV, MADD, My member of parliament, the
Manitoba Premier, Steven Fletcher, MPI Minister, MPI Board of Directors and MPI
Executive. The response was rather disappointing and nearing non-existence. I
will continue to re-send the letter to the following people as well as add the
Prime Minister, more members of Cabinet, and the 5th Estate to my distribution
list. If anyone has any ideas of more people to send the letter to, or other
ways to see results, please let me know. |
| | Carlyn | July 17, 2010 10:02:23 AM | "Shuffle the file"
Dealing with MPI case manager (CM)re: bodily injury. CM denies coverage for
several things, will not discuss. "That is our decision. If you disagree, file
an application for review." I apply for review, and later call the CM to
discuss something else. Surprisingly, they're friendly and agreeable, and we're
having a relaxed conversation. After several minutes, they say that they can't
answer my question - they no longer have access to my file. It's been
transferred to ... I call them, and they say they're just a file babysitter
while the issue's under review. They can't make any decisions on treatment and
such. That still needs to be considered by a case manager.
So the whole conversation with the CM was a wasted effort, and none of it goes
into the file?
Review officer sends file back to original CM for reconsideration due to
additional medical information submitted, and I go back to him for a few
months. Decision comes back and is the same. Apply for another review. File is
transferred back to the babysitter of files. One day I get a letter from a CM I
don't know, stating that further visits with a practitioner are approved. I
assume they're my new CM, and try to call them... four times over two weeks.
None of the calls are returned. Finally call the general number to find out who
on earth is handling my file, and find out it's not the person I've been trying
to get hold of.
Why would MPI switch case/file managers so often? Seems like an attempt to
confuse, that would serve little purpose in the long run. Does this make any
sense? And why doesn't the person who sent the letter return phone calls?
Just another "argh!!!!" in the process. |
| | Carlyn | July 17, 2010 10:01:56 AM | "The significant decrease is largely attributable to a $78.2 million decrease
in bodily injury claims."
Because there were less accidents, or because they terminated and/or denied
coverage for legitimate claims?
"If approved by the PUB, policy holders can expect to receive a cheque in the
spring of 2011 of about $115 on average."
That will compensate for about two visits with a physiotherapist not funded by
the corporation.
In principle, it's great that MPI can generate a profit and give money back to
policy holders. In actuality, when one realizes the high human cost of getting
these rebates, not so great. |
| | Manitoba Public Insurance Corporation | July 16, 2010 8:39:26 AM | MPI reports strong first quarter
Read the full story
Post your comments here
http://www.winnipegfreepress.com/breakingnews/MPI-reports-positive-net-income-98450634.html |
| | Carlyn | July 7, 2010 7:34:25 AM | Becky,
Often we purchase insurance and don't realize what's covered and what's not,
until we end up in a situation where we NEED it and it's not there.
Please read your policies for MPI and private insurance carefully. Private
insurance often doesn't cover unless you're hospitalized. What if you have to
work reduced hours? What about payments to care providers not covered by MB
Health like chiro, physio? Braces, supports, ergonomic equipment, etc. that
will help you to return to work without complicating injuries or delaying
healing? Graduated return to work with supplementation for reduced income?
Ergonomics as_sessments?
These questions often don't occur to us until we're in a situation where we
need help, and find resources lacking. While MPI doesn't volunteer information
about coverage limits for injury and the above items, they do publish
information about the PIPP program, which is supposed to help us get back to
where we were pre-accident. All of the above MAY be covered through an MPI
claim, provided injury warrants it and there is medical documentation to show
that it is required.
As already stated by another, private or employer-paid insurance often won't
kick in when MPI or WCB are involved, at the very least until you've exhausted
all possible options with MPI and/or WCB. It becomes a battle to figure out who
pays, when the focus should be on getting better, not fighting for the ability
to get better.
MPI and WCB hope people will just give up, and they at times make it very
difficult to get help. "we don't have anything on file that supports that" "you
don't qualify" "based on the balance of probabilities, symptoms will resolve
without further treatment..." It becomes a nightmare to figure out who needs to
tell them what so that we can get the treatment we need. It's a waiting game,
and they're paid to delay us until we give up. We have to go to our paid jobs
if we're capable, and still find energy to fight for help so we can continue
healing. It's one way they attempt to weed out the serious from the abusers,
but it serves a secondary purpose of causing many who need the help to give up
because they can't find the mental, emotional, physical energy to continue the
battle.
As for how MPI 'saves money' on automobile claims, there is information about
that too on this blog - scroll down and look at past posts. The emphasis is on
physical injury of necessity. See, once you're injured and fighting the battle
with mightly MPI, the car becomes the least of your worries. You realise very
quickly that a car is replaceable. A life (or quality of life) is not! |
| | deadmeat | July 7, 2010 12:27:27 AM | | Dear Becky , you might be in for a surprise with your private insurance because
when MPIC is involved our WCB your private insurance may refuse to pay unless
you were injured at home! Make sure to find out or you might be the person on
this blog crying about not getting paid ! GOOD LUCK!!!!!!!!! |
| | Informative | July 6, 2010 11:35:31 PM | Anyone Have any information on the LSAB? (Licence Suspension Appeal Board)??????
Thanks in advance |
| | Becky M | July 5, 2010 10:34:02 AM | I found your site when searching for something else, and was interested to see
what our insurance system is lacking. However, your focus seems to be entirely
on the effect physical injuries have had on people, and their lack of income
resulting from this.
I'm baffled that MPI would pay ANYTHING towards this. They insure CARS.
Through my employer, I have purchased death and dismemberment, and short and
long-term disability insurance, for my entire family. I would never have even
thought that my car insurance should somehow compensate me for the physical
effects of a car accident.
If there is information on your website on how MPI is swindling people in
regards to their cars, then I'm interested.
Hoping this doesn't ruffle any feathers!
Thank you,
Becky |
| | Deadmeat | July 2, 2010 2:38:42 AM | | thank you carlyn |
| | Carlyn | June 25, 2010 7:46:09 AM | deadmeat,
There are several other resources besides MPI. Sometimes there is a wait, but
there is a way. Do not give up hope. It is powerful, and makes a significant
difference in recovery from soft tissue injury.
Have you gone to the public health/as sistance system? Disability/social a
ssistance $, community food banks, counselling/psychiatric as sistance through
MB health or a community resourse like Klinic or crisis lines (see the front
pages of the phone book). They may be able to point you to other resources.
Even if MPI delays decision or assistance, you do not have to sit and wait.
Fight for recovery, and for your family. Do exercises/home therapy you were
given, and do your best with what's available to you.
If you keep feeling desperate and despondent, check yourself into a hospital
until you get the psychological help you need. Pride is worthless in these
situations. |
| | deadmeat | June 24, 2010 12:43:45 AM | | Well it would seem that i have reached the end of my ability to continue
fighting MPIC!I am financially ,emotionally, crushed with no more options to
wait any longer for an appeal with the automobile commission after 6 years of
waiting! I am having a very hard time to see a purpose in waking up every
morning! I long for the life i once had and the feeling of self-worth! I am
ashamed of not being able to provide a stable environment for my wife and
children and the basics of live.[e.g food,hydro was cut off,not enough money to
pay bills]. Creditors about to garnish my our income to make things worse,
People this is reality when you are forced to deal with MPIC over your long
term injuries and their denial of responsibility! This is what MPIC hopes will
happen to its claimants so we will return to work instead of losing everything
you spent your life building for your family! I would like to now if there was
someone out their that can help individuals like myself,support groups,
financial help, i hate like $%!#* to be forced to wait another 6 months or more
for a hearing! |
| | Scott S | June 15, 2010 2:20:33 PM | Why does no one read their wording book from MPI? I'm not hear to say anything
bad cause I've seen and heard first hand how MPI & DVL handle complicated claims
or issues but the answer has been in the book for a few years now! You want
lawyers to have a chance against MPI but its legislated, until the government
stops backing MPI there's no use for lawyers to get involved.
I live in Alberta so I never needed to make a big deal about it but anyway here
we go:
-Manitoba Public Insurance was legislated into law in 1971.
-(page 6 of wording booklet) "The terms and conditions of Autopac coverage and
Manitoba Public Insurance responsibilities are law" every thing they say in this
wording booklet is what MPI considers law in Manitoba.
-(page 12 of wording booklet) under the "did you know?" section, "MPI is
committed to:Guaranteeing all Manitobans access to basic automobile insurance."
So has anyone on here had their vehicle insurance canceled or can not get their
insurance renewed due to the immobilizer program? MPI, by law, cannot deny any
Manitoba resident access to insurance for their vehicle, once MPI does that they
have broken the law. Once they do that people, I mean lawyers, can fight to have
legislation changed or thrown out.
Also, on MPI'S website, it states that MPI, as per the recommendations which led
to MPI being legislated, must commit 85 cents from every dollar it takes in to
paying claims and or benefits. This means that MPI's little argument over
whether the premiums collected from increased TPL or lower deductible's are not
public knowledge is a total load! Every penny MPI collects is a matter of public
interest and has to be released to the public! And MPI is a non for profit corp.
that relies on public monies to operate, that means any extra money not going
towards claims, benefits, or salaries must be returned to the policy holders.
The information people need to make changes to MPI or dissolve it are out there,
most of it on their own website! |
| | Val | June 14, 2010 11:00:31 PM | | Bob, unless you got money for an actual lawyer get help from the CAO. You can
trust the CAO and you can trust AICAC as well but if you represent yourself and
are incompetent or do a poor job you shouldn't expect the appeal commission to
help you out. |
| | bob | June 14, 2010 6:21:45 PM | | So guys i am currently appealling a decision from Mpi I need some advice should
I use the CLAIMANT ADVISORY OFF or not,are they going to drag my case out for
years.Are they trustworthy.Thanks for any advice or if you been there would
like to here how it went.Thanks people don't give up the fight. |
| | What will they do | June 12, 2010 11:37:57 AM | | What will they do.... Update
Thanks go out to Mac and snowed_in. For your thoughtful and insightful comments. Received confirmation
that claim will be honored even though my insurance had lapsed. MPI did in fact take over a
month to make a decision while they verified statements. A special thanks goes out to Common SENCE
Although my request was specifically for direction and any precedents a lecture certainly made me take
notice and had me thinking that I might LOOSE.... A lesser person might think of you as an $%!#* ...
but not me... That being said may I make a suggestion to you COMMON DENCE. The internet is an
awesome learning tool and provides great forums such as this blog. Try GOOGLING... Spell Checker.
It may add credibility to your statements.
Again thanks to the person(s) involved in providing this forum.
Regards,
What will they do |
| | DEADMEAT | June 8, 2010 3:28:03 PM | | Want to know how MPI will make sure to delay your hearing? Here is one
example,I filed for an application for review of injury claim decision Dated
June of 2004 and finally received a decision in May of 2010!!!!!!!!!!!!!!!
Apparently my applications were conveniently overlooked in the internal review
office FOR THE LAST SIX F-ING YEARS but they apologize for the late delay in
responding to my request for review! ''THATS IT'' THIS IS ALL I GET FOR WAITING
AND LOSING 6 YEARS! I know for a fact that L.NIXON has had my file on his/her
desk since Nov/Dec and i guess 6 six years or 6 months seems to be the magic
number despite years of requests for a answer from my claimant advisor,so that
we can move forward in my appeal at the automobile appeal commission! WHY are
we force to endure so much pain and misery at the hands of our own government!
I am beginning to think that the Sword WOULD BE MIGHTYER THAN THE PEN! |
| | MEDIA | June 2, 2010 9:20:54 AM | | i read some where we should go to the media !! I dont want to burst any
bubbles !! went to the daily graphic the winnipeg sun the winnipeg free
press.. two guys from daily graphic in portage show up at my house start
asking a bunch of questions taking pictures of my deformed right heel and my
good heel. i show them 100 lbs of paper work from this MVA. I have yet to see
a story on this . IF!!!! you ask me the media is very one sided on the mpic
thing. as for getting in touch with GOVERNMENT peoples good luck also all i
ever got back for a reply is ( sorry to hear about your misfortune cant help
you ) thats what happens when you ask the government to help you.BUT let them
find out you were stealing food to feed the kids theyll prosecute you with a
vengeance.then theyll blame it on poverty.No one will open thier eyes to look
at the big picture to see what makes a hard working person to take action in to
his own hands.They dont want to look at the fact that all was well or the fact
a person was holding his own not getting rich but holding his own. before he
went to MPIC..One person had said WE should get togeter for a sit in at the
ledg building how bout we all meet at mpic portage la prairie mb im sure if
we can stick togeter.. the Media wont be able to hide. it sure beats setting in
front of your computer thinking about it. |
| | steve timony | June 2, 2010 8:50:36 AM | | I would ask that you not show my real name and e-mail address please..i'm
looking for some information regarding sueing MPIC acting in bad faith.. was
hurt in 2003 spent a year and a half fighting mpic in courts. finaly winning.
i am presently getting iri for the last two years. however i still have to
date not recieved my permanent impairment check.i phoned mpic portage la
prairie.was told they havent even read my file. is it just me but they have my
file since2003. they have x rays from 2003. My x-rays show a gap in my right
heel which i got when i fell off a load of hay.then i went to physyo for 24
visits; i have been conditionally discharged for about a year. i have all my
papers from the first day i wrote a statement at mpic .just wondering how do i
get these people in to court. I really dont want a LAWYER been there done
that. they got most of everything last time. Can i myself go to court and have
MPIC brought forward to court on all this. |
| | curious | May 28, 2010 10:27:23 PM | James,
Thank you for the explanation. It is appreciated. The post about write-offs is
still on the blog, further back in time than I thought. Apologies for the
misunderstanding.
It's hard to know who to trust, isn't it? If I were an MPI adjuster, would I
have offered information to help claimants? If you do work for MPI, I certainly hope you would help your customers. Unfortunately, MPI is a monopoly protected by "the law" so the customer means nothing. It would be in your best interest to "screw" the customer so they don't "flag you" for paying out too much. Asked questions looking for
assistance/feedback as I have? In the end, you'll believe what you choose to
believe. And if you choose to delete my posts, it's your blog, and your choice.
If you want to take this conversation to private email, use the email address
associated with this post, which you obviously have access to. |
| | BOB | May 28, 2010 5:11:40 PM | | Way to go James.Who knows who works for MPIC or not.Then again who cares!As
long as you are not giving out your personal info on here say what you want
it's not going to make any difference in your fight with MPIC anyway. |
| | curious | May 28, 2010 8:03:49 AM | Obviously I pushed a button. I WAS just curious (and 'just me' too. :)).
Yes, some comments do disappear. We get requests from
people to remove their comments because they no longer want them visible
on the blog. We also get requests from people who don't want their email
address, phone number or name visible. There is no "edit" feature on
this blog so some people request to have their comments changed.
Spammers post thousands of comments full of links and email addresses to
this blog for various products (Viagra, Cialis, etc.), so by default, we
hide ALL posts even if they only have one link in them. Comments are
moderated when time permits, and if the post is not spam, it is
"flagged" as visible and shows up on the view blog page right away.
This very post will disappear in the near future. Why? Because search
engines crawl this site daily and to have them evaluate the comments in
this particular post will only help to lower our page rank. This post
has nothing to do with MPI so it needs to be moved to a FAQ page.
If you read the deleted posts and the ones that remain, you'll see that I have
never been malicious or deceptive... just trying to maintain a drop of
anonymity since MPI reads this blog, while sharing tips and looking for some
insight into the process.
Maybe the word "write-off" or a variant was not used, but the substance of the
post was how to get maximum value for a vehicle MPI decides not to fix.
I re-checked our entire database of deleted posts (going back to day 1 of this blog) and can say beyond a shadow of a doubt that there are no deleted post(s) dealing with "how to get maximum value for a vehicle MPI decides not to fix".
If this blog's intent is to help others, why do posts that irrationally slam
MPI without providing useful information remain, where posts with information
that could be useful to the average claimant are deleted? Thus the question
from my last post.
For a moment there, you sounded just like an MPI adjuster. Is that why you won't communicate with me via private email?
You don't want me here, fine, I leave. I think I've reached 'maximum
therapeutic value'.
And no, you won't get my real name. I don't share personal information publicly
online - no matter how good people state their intention to be.
Our intentions are clear: Winnipeg Free Press - November 2, 2008. It's your intentions I question.
James Rowe |
| | curious | May 27, 2010 6:55:33 PM | One was about how to get the most for a writeoff. Another asked about Victims
Against No Fault. Probably more, I just noticed those ones disappeared lately.
1. There are NO posts with the word "write", "write-off", "write off", "writ" or "off" in them that have been deleted since the creation of this blog (2007-07-23).
2. Why do you use different names (snowed_in, just me, curious) with the identical email address when you post? Is someone impersonating you? Stealing your identity? Let me know and I'll block their IP addresses PERMANENTLY.
3. When you signed in as "snowed-in-wpg@yahoo.ca" and as "123@yahoo.ca" you blew it. Yahoo doesn't allow email addresses with hyphens in them nor do they allow an email to start with anything except a letter.
Why should MPI Sucks display posts from people that give us FAKE email addresses?
You can send me an email from your REAL email address if you would like to discuss this matter further. My REAL name is James Rowe and My REAL email address is: james@jamesrowe.org |
| | Q | May 26, 2010 3:30:14 PM | | Curious, which ones didn't stay? |
| | curious | May 22, 2010 5:49:22 PM | | Why do some posts disappear from the blog, and others stay? |
| | Mac | May 20, 2010 6:16:18 PM | To: common "sence":
While you are correct about MPIC and in-house lawyers, you are incorrect
regarding "what will they do's" problem. He does (and did) possess a drivers
licence. It was current insurance that he lacked, and there is the possibility
(but only the possibility)that he can successfully demonstrate oversight, not
intent (to drive without insurance).
Mac |
| | common sence | May 14, 2010 12:32:53 PM | | hey,"what will they do" you talk tough about "lawyering up". The fact of the
matter is you where driving without a licence, so if MPI says NO then that's
that. A lawyer will take your case and your money then you'll loose. Why ?
CAUSE YOU HAD NO LICENCE. MPI is paying their lawyer's regarless so it's not
costing them anything. They use in house lawyers on their payroll they don't go
out and hire one for your case alone. |
| | snowed_in | May 10, 2010 12:39:29 PM | For "What will they do?":
Sometimes the adjuster won't commit to a position until it's officially
confirmed. I expect that they wouldn't want to appear too ready to make an
exception. I also expect that they would treat you reasonably, considering that
it was apparently an isolated incident.
Try not to stress about it until you know for sure. |
| | What will they do ? | May 9, 2010 1:04:47 PM | Mac
Thanks for your comments..... I was afraid of that.
I was not getting a good vibe from the adjuster. He deferred it for two weeks, While they make a decision.
My hope is that I do not have to go the lawyer route. I am prepared however to follow that course of
action. At this moment I am prepared to throw some money at this depending on where their estimate
comes in and if MPI has to lawyer up. I expect them to spend as much if not more than the value of the
claim. Mac I will keep you and the board apprised as to how this unfolds over the next few weeks.
Thanks again for your quick response to my query.
What will they do |
| | Mac | May 9, 2010 11:02:39 AM | to: What will they do ?
Unfortunately, the facts are (according to you) that you were driving a vehicle
without current insurance coverage, period. That said, you might be successful
in demonstrating that this was an unfortunate oversight with extremely bad
timing. My guess is that you could show that for thirty years straight, you've
never missed renewing your coverage, with this one exception (you did say that
you'd never missed before). You could initially make this representation to
MPI, and who knows, maybe they'll accept it. If they don't (likely with MPI),
then you'd probably need legal assistance who should know how and to whom to
make your next presentation (hopefully, to some org at arms length from MPI).
Good luck , and keep us posted. |
| | What will they do ? | May 8, 2010 11:01:12 PM | | So here's the deal. Hoping someone on the site can enlighten me. Got into an accident the other day.
No injuries,significant damage to both vehicles. Other driver has rightly claimed 100% responsibility for
causing the accident. Problem is I call in to report the accident. Due to an oversight insurance has lapsed
on my vehicle.When I am informed of this we immediately make payment. No BS...this is the first time in
30 years we were late. I go to see adjuster he informs me that now they will take it under advisement
whether or not they will repair my vehicle..... OUCH....Question for your followers.
How do I proceed ? What kind of recourse do I have if any ? Any precedents I can use on my behalf ?
Thanks in advance.....
What will they do....... |
| | Taylor | May 8, 2010 10:46:01 PM | | Sorry i ment March 22/2011 !!!!!!!!!!!!!!!!!!!!!! |
| | Taylor | May 8, 2010 10:45:24 PM | | Mac, I also recived a letter in the mail stating that my Drivers Licence and
right to insure a vehicle has been suspended untill March 22/2010.... I phoned
the call center and they couldnt tell me a thing, what the eff are they working
for MPIC if they cant answer a question regarding one of their
letters??????????????????? I say they just honestly couldn't give a F**K |
| | mac | May 7, 2010 12:54:36 PM | | mac to s.mac. you are coorect with your second post about holding out for
more$$. On your second post, if you don't want your car to be a right off then
hold out. State that mpi damaged your car further and you should not be held
ransom for something that mpi did, not you or someone else.Just complain in the
correct way. Don't get angry with them they will just make your life difficult.
Understand that things happen blah,blah,blah and you really want the car fixed
cause of......? |
| | snowed_in | May 6, 2010 3:59:42 PM | S.Mac:
Yours experience is shocking. The tow truck driver should have informed you
that the lug nuts needed to be retightened after driving a short distance
(before highway driving), and MPI should be accountable for the additional
damage that was caused while the vehicle was in their care. The silver lining
is that no one was seriously hurt in this incident.
Re: Car valuation for a write-off - valuable advice I was given from someone
who dealt with MPI numerous times regarding older vehicles they were not
willing to repair was to KNOW what it will cost to replace your vehicle. Find
and copy similar listings from MB and SK. Gather receipts for recent repairs.
Present them to your adjuster. Do not settle too quickly.
My car was nearly 17 years old, not in their blue or red book, and the adjuster
said that the maximum value was $1,500, regardless of low mileage or condition
of the vehicle. He 'generously' gave me a token amount on top of that due to
recent repairs. Comparable listings averaged well over $2,200 for vehicles in
worse shape or with higher mileage than mine.
I presented the comparison listings to my adjuster and was told that he had
already offered me the most he could. My only option was to go to arbitration.
I asked to speak to his supervisor, and was told that if I presented my
arbitration paperwork, he would have his supervisor review my "final offer"
before it went to arbitration. If he felt it was reasonable, they would cut me
a cheque.
I downgraged my valuation marginally from the average listing price to avoid
the hassle of going to arbitration, and presented my case with facts and
figures to back the number requested. I walked away with over $500 more than
the highest amount my adjuster said he could give me.
It pays to be informed. |
| | Michael Poe | May 6, 2010 3:21:20 PM | | Taylor,
You say,"the claim advisor for help they will fight for you for free and
honestly"
The Claimant Advisor Office (C.A.O) are paid by M.P.I.C!
Free and honestly!
No way!
F.I.P.P.A the C.A.O 2 asked where the their $$$ comes from.
Plus many ppl complaints are file aganisn't them.
1) 4 acting in bad faith.
2) iilegal recondings, fax, phone calls C.A.O hands over 2 M.P.I.C! |
| | Michael Poe | May 6, 2010 2:43:49 PM | | HEY EVERYONE!
'WE' need everyone 2 stand up 2 sue M.P.I.C 4 Acting In Bad Faith!!
If u hav the prove 2 which anyone one can read @ say YES, M.P.I.C is
breaking the law (as I do).
As I am one person (injuryed-M.V.A) I want and need more ppl 4 a class-
action-lawsuit.
If u do hav the paper work, recored phone calls, faxs to back you up then
tell me so we and I will reach out 2 help u and everyone else as well as I can!
Make no mistake M.P.I.C will HUNT u down 2 destory/ hurt u, your famliy,
your wife, husband, your partner and yes even your children!!!
M.P.I.C is rich with money, power, greed!!
You will be making the devil (M.P.I.C) come to rape you (of ur rights)
faster, harder then before.
EVERYONE ITS TIME TO SCREAM 'NO MORE'
I will check back for updates from 'you'
-MP |
| | S.Mac | May 5, 2010 4:38:18 PM | | Ok everyone, here is a doozie for ya! It all starts with supposed people who are licenced to do a job for
your safety! I had CAA change my flat tire, 20 days later it falls off while I'm driving at 100 km/h on the
highway. Of course it damaged my fender and wheel-well, and the rotor which it landed on. It also
caused major damage to another vehicle travelling in the opposite direction, luckily that guy wasn't
hurt! Eventually it gets towed to the MPI compound where it is to be estimated. In the process of
moving my vehicle around their compound they damage it further after the initial $1600 estimate! My
autobody guy told me he was shocked when the tow-truck driver showed up with a donut on the
vehicle that is not meant for it! THEY TOWED IT ALL THAT WAY ON A DONUT AND STRIPPED THE WHEEL
POSTS!! The driver said they were cleaning house in the compound and needed to move it around so
they just slapped on a donut!! Then some woman phones me that I have never talked to before and
says they are writing it off!! All this time I'm thinking that my vehicle is being fixed, but because MPI
damaged it further the body shop guy needed to try and find more parts and possibly send the vehicle
elsewhere for that work. MPI damaged the vehicle to the tune of $3400 on top of the already $1600,
and on the phone that woman couldn't even tell me what the other damage was, plus she gave a shpeil
about how sometimes they can't see all the damage initially! THE WHEEL POSTS and related parts are in
plain view without the tire there! And the battle begins!!! Because my counter offer to their paltry sum
is too much for them it's off to arbitration!! Anyone know a good lawyer to fight these crooks!! |
| | claudia | May 4, 2010 11:05:37 PM | | I believe that there's a previous post on this website, a couple of years ago,
that talked about Dr. MacKay. In my opinion Dr. MacKay is unethical. |
| | know first hand | May 4, 2010 2:44:04 PM | | MacKay is a slime. He will always lick the hand that feeds him and cow-tow to
the insurer which holds the umbrella that protects his pathetic rear-end. |
| | carmen | May 3, 2010 7:57:29 PM | | Has anybody had a positive decision from Dr. MacKay? |
| | mac | May 3, 2010 4:45:38 PM | | so why don't you call and find out why instead of bitching about it on here!
maybe there was a clerk error or something. poeple who work at goverment places
are people,people who make mistakes just like you. |
| | Taylor | May 2, 2010 2:32:44 PM | | I got a letter yesterday from MPIC saying my account is overdue by four hundred
dollars.... i have no i f**king dea why i owe them this i would say that
someone on mpi is on crack and needs to be checked out seriuosly! |
| | Little P | April 27, 2010 3:10:50 PM | | Deadmeat...everything you said I can relate to and it's so sad to think about
all the people like us that suffer. Worst of all is that I have little
children, a spinal cord injury and they still cut me off and ran me through the
system. I'm still fighting but like you said trying to keep the emotion out of
it cause the chronic pain does get worse. We need to keep fighting and continue
our battle so that one day things will change. |
| | mac | April 27, 2010 12:24:03 PM | | hey joe. to finish off, if MPI lost 10% they wouldn't even feel it. They make
so much money on investments and other ave.
If people writting on here really want to change the way things are done at MPI
then the only was is to put pressure on the goverment. I'll let you figue out
how to do that. So if no one wants to put in the effort to do this quit your
complaining and stop writting on here. |
| | mac | April 24, 2010 11:46:58 AM | | hey joe, the answer to your question is: the people of this provonce keep the
NDP in power which started MPI in the first place. What MPI want above all else
is control that's why they took over the driver's licences. They don't care
about nothing else but control. |
| | me too | April 22, 2010 7:51:45 PM | Interesting: I went to an MD who also acts as consultant for MPI, through my
MD's referral, not MPI. Took months to get appointment. Asked about TX
recommendations, and whether I should be back at physical job. MD said I will
know when I'm ready to go back, and it's not now. Pay attention to my body, do
what I'm capable of, and don't push it beyond that, but keep building.
Strengthen and stretch, and continue physio and acupuncture for trigger point
deactivation and mobility.
At follow up visit I asked if they would send MPI tx recommendations and what
was said about return to work, since MPI case mgr cut off $ for treatment and
IRI. Not willing. Danced around the question. Said if MPI requests info from
MD, it will be given, but won't give it at my request. When pressed to say
whether they would back me if I paid for the report as part of review process,
was told that it's not worth my $ or effort. MD could back me on subjective
complaints, could not provide the objective that MPI requires.
Recommendation changed to make do without the income, concentrate on doing what
I can to get better, especially the exercises (which I always do). Physio not
required indefinitely and acupuncture good, but MPI won't pay for it. Don't let
self become angry and bitter, because that makes the pain worse, and, can cause
more long-term pain.
Interesting how the attitude changed once MD knew I wanted them to make
positive recommendation to MPI. They know what side their bread is buttered on. |
| | just me | April 22, 2010 7:10:11 PM | Tired of fighting. I know they want me to give up. Been warned that is one of
their tactics. Used to think I had the strength to fight for what's right. At
what cost?
MD says getting all worked up causes more pain, and statistically people who
are angry & feel hard done by are more likely to end up with chronic pain. I
either need to give up and make the best I can out of the crumbs of my life
that are left, or find a way to pursue justice while taking the emotion out.
Is that even possible?
Such an unfair system. Such uncaring people. Maybe they're victims of the
system too, and have to turn their emotions off to be able to do their job each
day. Sigh.... |
| | joe | April 19, 2010 1:09:57 PM | | to comment on your legal problem i found a company called PER PIAD LEGAL THAT I
THINK IS VERY GOOD TO DEAL WITH THEY DON"T GIVE OUT LEGAL AID TYPE LAWYER THESE
ARE HIGH DOLLAR GOOD LEGAL BACKING THIER NUMBER HERE IS 1-204-947-6582 IF THEY
CAN'T HELP THEY WILL DIRECT YOU TO SOMEONE THAT CAN THANKS HAVE A GOOD DAY |
| | joe | April 19, 2010 12:58:03 PM | | please contact me as to why the people of manitoba won't band together and put
an end to this so call good deal for the people pretty sad that your insurace
is run by an out of province body example sask insurance [sgi] talk to your
broker to find out. IS there not a law on monopolies in canada and do we not
have fredom of choice in our live or commrad has this country gone straight to
hell. is it not illegal from one body to be in charge of both your drives
licence and your insurance look at bc icbc holds you insurance and another body
deals with your licence. we the people put them there so we the people should
be able to take them out of office thats if we all got our stuff together
[sh.t] why don't we all just boycot mpi totally and go else where for our
plates and insurance you only hold a valid address there and i think most of us
have family or friends in other provinces to help with that if mpi lost 10
present of its money they would hurt. this is what my family is about to do
figure out the loss in money if people did this and it totally legal have a
good day |
| | Deadmeat | April 15, 2010 12:43:33 AM | | It is becoming very clear to me that MPI and their NO-FAULT system is designed
to force a disabled victim to suffer needlessly while waiting for a appeal
hearing! Let's review the facts: an adjuster can make a decision regarding your
work capacity and simply send you a letter stating MPIC'S favorite quote " on
the balance of probabilities" i could work while taking slow release narcotics!
Oh and don't forget their second favorite quote" you have the right to appeal"
but what most of us don't realize is the years it will take till you can get a
hearing! I am going on my 7th year now and i still don't have a hearing date,
the reason for the delay i am told is that for an answer to one question will
take MPIC'S review lawyers 3 to 6 months to come up with a reply!I brought my
argument to the minister responsible for MPI and told him that although an
adjuster can make a decision on your capabilities and we have the right to
appeal,the duration of waiting years for the appeal process needs to be
addressed immediately!I told him that in all fairness if MPIC is so confident
about their adjusters decision that mpi should continue to provide the
claimants IRI benefits UNTIL THE HEARING IS HEARED! Perhaps then claimants
would only wait 1 or 2 years for an appeal instead of almost a decade!! |
| | Karen | April 11, 2010 1:23:43 AM | | Why don't autopac workers not get laid off yet their workers get paid for their big fat $%!#* to sit in their brand new office they built on main steet what a waste |
| | karen | April 10, 2010 10:02:17 PM | | Autopac sucks we need to get private insurance like we do with homes and we pay up our $%!#* so they can screw us yet there is no value in a car like a house they are $%!#* in cominist we should be able to get car insurance from anyone not just them so how is canada a free country it not they scewed my mom over big time she ended up in a physc ward since then I lost my mom for good and she totally can't work to top it off a schoolbus hit her from behind and now she is worse then ever they are still dicking her around and that bus driver had children in it little ones she can't even sew the school for it yet what kind of school bus with little childen drives into people |
| | taylor | March 31, 2010 8:20:47 PM | | please be advised that people and investigators from MPI pretend to be your
friend on sites like these to get more information on you. To take your words
and turn them around on you. Always be very careful of the kind of questions
anyone asks you. Also I hired a lawyer to help me fight MPI well I am now
getting ti from both ends! if you are at the appeal part go to the claim
advisor for help they will fight for you for free and honestly.
Amen for a light at the end of a tunnel.
you can find the number on the government of mb web site. |
| | taylor | March 31, 2010 8:13:46 PM | | Something that the specail investigation department tells you but is NOT TRUE
at ALL is that they have the same rights as a police officer. They do not have
the same rights!! They are just investigator who have to abide by the law
themselves yet, they tell you different. No matter what they say to you do not
believe them!!! Also you do not have to answer their question(s) as you have
the right not to incrimate yourself. These investigators try to bully/scare you
into dropping your case! They also lie to your face about the information they
have. Just remember your do not need to go alone to the meeting take a lawyer
or a claim advisor or even a friend with you. The investigator takes another
person in the room when you meet. |
| | taylor | March 31, 2010 8:06:43 PM | | did you also know that going through an internal review is pointless but you
must follow this protocal! Then when they ask you if you would like a hearing
you might as well skip it and go directly to the appeal process! Did you know
that you can get help from the claim advisor for free of charge! This claim
advisor is NOT APART OF MPI DISPITE WHAT ANY LAWYER TELLS YOU!!
Also pain is becoming a thing that they will compensate you for. It is in the
very very new stages but it is coming into effect dispite what any case manager
at MPI may tell you! Like I have said it is very new. Also you will not get
anything for suffering which is a load of garbage. I wish we could sue or get
rid of MPI all together as they are evil in my opinion. They take our money to
pay for insurance and when you need it they do not want to pay! Or they used
the money to try and prove you do not need it!! They even have doctors who are
paid to agree with them! In this world one persons pain and another persons
pain are not equal. Also what one person thinks it uis mild another may think
it is severe or may think it is nothing at all, but MPI thinks everyone was
made by a cookie cutter and we are all the same. |
| | jon | March 27, 2010 10:43:10 PM | | In response to immobilzer problems I ahve had the same problems with batteries
going dead, am not the first a couple of friends have the same. Plus a couple
days after i had the thing installed it started plus blew the ficm 4 batteries,
command start, and 4 alternators all in a year with no help from anyone they it
is not immobilizer thanks mpi. I even made a claim to mpi to no avail |
| | Landen | March 24, 2010 6:14:57 PM | | 7 years ago my truck was stolen, smashed and returened.MPI said I smashed it
and wouldnt cover me the $40000 the truck was worth. Is it to late to fight
with a lawyer?? |
| | Troy | March 18, 2010 8:41:10 PM | | Yes Sabrina...they are all lawyers that are employed/paid by MPI... |
| | Sabrina Sparks | March 18, 2010 3:20:53 PM | | Are all MPI Internal reveiw Officers Solicitor's/Attorney,s working with MPI's
legal/Internal Reveiw Department? |
| | Little P | March 15, 2010 3:46:58 PM | Chester,
Just so you know there are lawyers in Winnipeg that will take on a case against
MPI depending on the scenario but be advised that they too are in for the
payout and you will be in a battle of a lifetime either way.
The only beneficial thing I found about hiring our lawyers is that MPI is more
willing to hear us out. Without them it was virtually impossible to get our
point across. We know we'll be paying them big bucks at the end of this LONG
journey but we're just praying it is worth it all just to get some justice.
Not sure if lawyers work with us or against us most of the time.
Good Luck and gain a lot of strength because MPI truely loves to suck the life
out of you when you compete against them . |
| | Troy | March 13, 2010 7:46:08 PM | | I was injured in a MVA last summer, multiple vehicles involved..sustained a
fractured neck vertabrai. 2 herniated disc in my neck, concussion etc...MPI only
gave me the very basic 26 visits physio, but also chiro at the same time..the 26
visits which included acupuncture were used up quickly resulting in filing an
internal review...where I succeeded to cat 2 physio 42 visits.which I should of
had to start with...I did not realize the 42 physio visits include the 26 I
already had..so here I am again paying my own way...and now received this Level
of Function questionaire with questions that have already been answered by my
caregivers...my family Doc, Surgeon, Physiotherapist and Chiropractor..
The questionaire does not appear to be an official MPI document, no form
numbers/dates on the bottom...would it affect my IRI if I don't complete it? I
am able to get around but far from returning to my work place which can be very
physically taxing...all my care givers cannot believe the difficulties Iam
having with this MPI Monster! |
| | herb | March 9, 2010 3:32:45 PM | | bought the replacement car insurance. what a waste, sub compact and at the first
offer for the car the rental is done.. |
| | Chester | March 4, 2010 2:54:16 PM | | Wow...came across this site looking for other "victims" of the mighty MPIC...
I'm in the middle of appealing to the AICAC right now...I need a lawyer, are
there any in Wpg that know their way around the BS ??? Give me names please I'm
running out of time. Thanks all..awesome info on here |
| | Deadmeat | February 24, 2010 11:17:04 PM | | Neil I thank you for your story and experience you have had with MPIC! I would
like to speak to in person if possible? |
| | KAS | February 22, 2010 10:20:54 AM | | Has anybody on here been having problems with their immobilizer sucking the
life out of the car battery? My fatherinlaw is on his 3rd battery in 4 years
ever since this piece of $%!#* was installed - if the car is allowed to sit for
more than 2 days, the battery is dead - have taken it back to installer and
says nothing wrong with it; funny it started having this problem only after the
immobilizer was installed. Of course MPIC wont do a damn thing about it. |
| | snowed_in | February 22, 2010 9:28:30 AM | Neil: Great attitude! Forward motion and positive action/thought are essential.
Also being prepared to stand ground, including hiring an advocate or a good
lawyer when necessary (though it's hard to find the energy and $$$). Your
experience shows that this process can be a learning experience that toughens
and refines us, and helps us to see what's truly important in our lives.
Sometimes we have taken those things for granted, and see their value only when
looking back from a place of loss. Sad, isn't it?
not so sure: For a simple claim, where there is no loss of income and injuries
can heal in short time, the system seems to work relatively well, and case
management staff seem reasonable. For more complex claims that include time
missed from work and/or long-term injuries, the case management unit can be
harsh to deal with, and the legislation is skewed. A criminal dealing with the
justice system has more rights than a claimant dealing with this insurance
system. They're innocent until proven guilty. We're guilty until we prove our
own innocence/truthfulness. It takes energy to prove our case, and this is a
precious resource. One of their main ploys seems to be throwing a lot of curve
balls. If they can wear us down and make us give up, it's a financial win for
them, at whatever cost to us.
It is essential to have medical backing for any claims we make. Our word means
little or nothing to MPI. The medical community they are more likely to
recognize. Not always, but more often than us as individuals. |
| | DEADMEAT | February 22, 2010 12:23:26 AM | | not so sure,perhaps you are one out of thousands that was treated properly in
your MVA! but fortunately you are not long term disabled from your
injuries!!!!!! This is where MPIC flushes you down the toilet because you are
now a dependent of the system and you will cost them a pile of money that they
will deny responsibility for! Your life will be a living $%!#* while they try to
dismiss your claim! As for mpic acceptance that your MVA was not your fault i
and amazed because i just had another accident and mpic deem me 50% responsible
for it and i had to fight threaten them that i would put it on cjob and only
then they said i was not at fault!This is what happened in the last mva, i was
driving home on a provincial hwy and i was about to turn left on the road i
live on when all of a sudden a car came through the stop sign and hit me in the
left front fender of my car causing $3000.00 damage.The only problem is that
the car was traveling in reverse,yes i said in reverse!!!! She was traveling
backwards doing 20 clicks, when through a stop sign and onto a hwy then stuck
my car and I'm 50% responsible? I want some of the stuff these adjusters are
smoking and after this experience i know for sure that mpic is out of
control!!!!!!!!!!!!!! |
| | not so sure | February 21, 2010 10:29:24 AM | | i was just in an accident on thursday and i had an older vehicle so its an
automatic write off... anyways, the adjuster and everyone i've talked to from
MPI has said its the other persons fault and i have gotten the courtesy vehicle
even though My insurance didnt cover it but the other parties insurance did so
they gave me what is called loss of vehicle benefit, also i was a bit injured
so they are helping me with the costs of physiotherapy and any medications i
need. im just wondering why people are thinking mpi is so bad? |
| | ripped off | February 20, 2010 9:15:50 AM | | hi neil, how do we get ahold of u, would like to speak with u on my claim thx. |
| | pen15 | February 15, 2010 1:00:40 PM | | Hello to all the nice Manitobans! Just lookin for some rule books on what we
can and cannot blog about? Are we allowed to reveal names of previous MPI
adjusters! and their behaviours, mannerisms, etc.etc! cuz my kind of heads up
will help someone along the way! |
| | pen15 | February 15, 2010 12:56:32 PM | | Lets talk about another breach of trust! Upon my release from incarceration,
usually followed up by a probation official. This dudes name Jim Malenchak.
Well Jim, you did me no fruken favors you imbecill! Following my meeting to
whom I thought would be pointing me in the right direction! I had specified
some interest in retaining my drivers abstract, which is something I assumed
was available in one location. It was in my best interest to follow my no
contact orders with the MPI employees. In his opinion, he could not see why
that was not attainable..All apeared to be okay, had renewed my license and
soon would follow my query into my drivers abstract. Which the gentleman
working that day did not know how to oblige my request..Then the woman who knew
how to do this, told both me and my mother to leave...and that we were
breaching! Dont know how many transactions all you folks have done but once you
take the money, the balance of the transaction should follow! You suck Jim!! |
| | pen15 | February 15, 2010 12:21:19 PM | | Some of MPIC's dirtyest secrets will not be found here! Unfortunately, they
are in a place where joe blow public does not have access to. Like court
transcripts,police reports, and numerous other areas of "govrnment"interest! To
me this makes no rational sense. From what we are made to believe is that MPIC
is a co-operation, yet previous to that title is Manitoba Public. Seems to be a
wee bit contradictory! We, as the public have a right to know..Yet, despite the
title...we are told MPI business is that of their own. Now, I have spent more
time in a court room than I would ever admit to, and yes behind closed
doors,with few members of my family and of couse people of MPI.Thought it would
be safe to assume that the judge was the most honest one in attendance,but
after several moments after, I was the most honest. She was a younger woman to
be held in a higher regard and integrity! Her name Judge Jean McBride!
Essentially she holds the key to the community and yes all the cell blocks.
Because there was a criminal involvement in my appearance, I suppose almost
anything can be said with limited conversation on my behalf. Very frustrating
that they can use any means they want to paint the picture.Remember we are
dealing with another Manitoba joke, the justice system! So, in the courtroom I
sit, and to my further dismay...The prosecuter had said that I had developed
this web site. Wasnt allowed to dispute that because now they were telling me
what I had done..They said I planted an incinderary device, what was I gonna
say? It was a jug of water! Which it was! And after my arrest, I was put in a
very dirty place..Okay, so let it be! To later find out after they took my
shoes,the wet mass on the floor was someone elses urine and blood. I have yet
to explain how I let the antics of MPI, pushed someone of my nature thus far.
Not sure if its in the best interest of Manitobans that I do that! But it is! I
would encourage anyone who has interest in this to contribute in some regard! |
| | Neil | February 5, 2010 2:30:29 PM | | i also was involved in a mva in 2005. they dragged me and my family through
court for two year. when i was found not guilty. all of a sudden i found that
mpi treited me totally differant. get a laywer and fight back. cause if you
dont you will get screwed over like so many people i have talked to that have
been in mva's. stay possitive and keep fighting. take it from someone how has
been through it. my family needed me more the ever and you can't give up. i'm
in pain every day and i went off the pain killers and took the pain it reminds
me i'm still alive and i will rest when i die. until then i turned my pain and
anger into a possitive and i'm fighting back 5 years later i have gone and
retrained for a new carreer and i've been back at work for 9 months now. its
been one of the hardest things i've ever been through, but im a stronger person
for it today. start by focusing on being thankful for being alive. and go from
there. find yourself a support group, we might be men, but we need help to once
and awhile. i know i did. if you ever need to talk send me an email. I KNOW MY
LIFE HAS CHANGED BUT I'M GOING TO MAKE SURE ITS FOR THE BETTER. I KNOW WHAT
CREDITERS ARE TO, BELIEVE ME THEY CAN BE RELENTLESS. MY BODY WILL NEVER BE THE
SAME,I'VE COME TO HANDLE THE PAIN, I'VE EVEN BEEN THROUGH A DIVORCE BECAUSE OF
IT. BUT I NEED TO BE STRONGGER SO MY CHILDREN CAN BE HAPPY AND THEY ARE NOW. |
| | Deadmeat | February 3, 2010 2:09:00 AM | | I have know realized that the true victims of my mva are the people I care
about most, my wife and my children!It was so easy for me to mask my physical
pain with narcotics and hide from the emotions of excepting my disability!My
wife and children lost their husband and father in that accident 10 years ago
because I became a different person altogether! I became consumed with hate and
sorrow and I was not equipped mentally to deal with the turmoil that ensued
after my mva! I found a letter that my son wrote for a school project when he
was 8 years old and he outlined all the injustices his father suffered at the
hands of mpic and more importantly his pain of the loss of the father he once
admired instead of the drug induced father he now has to see! I did not realize
the information a young mind could absorb while I coped with my disability and
voiced my dissatisfaction with mpic!He is now 16 and the turmoil is still
present every day as bill collectors phone repeatedly and that we are forced to
sell our family home! There is no way to express the injuries we have suffered
by MPIC! Why do we have to continue to suffer while MPI boast a THIRTY MILLION
DOLLAR PROFIT! I paid for an insurance to cover my losses in a mva and I
expected to be treated with some dignity and respect! I was told that on the
balance probabilities,I could return to work while taking slow release
narcotics! I called the drivers licensing and they told me that if i was
involved in another accident while taking narcotics I would be charged for all
costs since I was driving while impaired! Can somebody tell me how they are
allowed to do this as a reason to terminate my benefits! And i would like to
know why it takes over six years to get an appeal date?I would like for this
nightmare to end for the sake of my family! |
| | Needing Help | February 2, 2010 5:14:08 PM | Hi, my friend was riding his bike down a back lane about 5 years ago, when a
cabbie hit him, and he went through the windshield. He then developed a mental
illness and other injuries from the accident.
MPIC then send him a bill for something like $4,000.
He has been on social assistance since then, and has no way of paying it back.
Now that he's getting back on his feet he would love to be able to drive again
(which is necessary for his line of work that he choose to get back into), but
can in no way afford the $4,000.
How can i help him fight MPIC about the money "they" think he owes?
Also, since it's been 5 years, and they didn't follow up on the claim, is he
automatically not having to pay this amount (I don't even think he was at
fault)? Some lawyer in the city said that if they don't sue him within two
years, he's no longer liable. But is there any validity to this?
Or can i get a lowered amount (settlement), and pay it for him to settle the claim?
Any help is greatly appreciated. :) |
| | jon | January 28, 2010 4:29:31 PM | | little P & micheal, watch out for lawyers too, they get pressured not to work
to hard for u, u have to fax them ur questions or record ur conversation with
them, so when they dont do their job, u can try to take them to court. but in
manitoba its like trying to sue a doctor, even when u ask another lawyer. they
all stand up for each other. thats the golden rule. have 1 too, so as soon as I
get it settled, I am going to post their name, so folks like u dont use them.
also watch out on here for the nay sayers, MPI plants. and sorry for the guy
that hung hem self, but if it was me I would have taken a few with me, that
would get their attention. Ledge is the only place where anything is going to
work, unless their is a big class action law suit. so people stop whinning here
and lets set a date. PS election this year so heres ur chance or shut up. |
| | Michael Pain | January 28, 2010 5:59:07 AM | | Hey,
No $$ 4 a lawyer.
Howver will have once enough MPIC Victums SAY NO, SAAY STOP raping my me
of my rights!
$$$ doesnt make U GODS.
Thanks 4 hearing & taking 2 m3.
-MP |
| | Michael Pain | January 28, 2010 5:54:03 AM | | Hey,
That really sucks Bob.
From the Little P- Yes I KNOW that MPIC are following/saving blogs, web
sites too.
I lived with man who hang himself as the results of MPIC Tactical Warfare
methods; b/c MPIC can and will fu@#$you up.
I tested MPIC with what I type 4 years ago on a blog and MPIC fall for it;
which was to write down AICAC appeals names, call them to start a class action
aganist MPIC! - For Acting In Bad Faith.
However it's what MPIC did with my trap; MPIC told AICAC to change the
records to remove appeals FULL NAMES and replaced it with appeals frist and
last letter of their names!
That was a shocker for us to KNOW MPIC rules over AICAC which means the
next appeal is with the Court Of Appeals - Queens Banch. B/c AICAC is MPIC
little Bitch. Like Peter Myles.
The class action is stilling slow going b/c MPIC is evrywhere and its hard
to add MPIC victums b/c we need to see/get/have proof of Acts Of Bad Faith.
I looking for a Networking for this.
Relax :-)
Thats what she tells me.
She will never ever know that to 'relax' is for my body to be sleeping or
dead. I know both woudn't work (well dead i don't). |
| | Little P | January 27, 2010 9:30:20 AM | I'm just writing to let you all know that there are lawyers out there that are
willing to help you with appeals. I have hired one myself and am fighting MPI
right now. It does take a long time and the process is still a horrible
experience but at least it gives me and my family some kind of comfort to know
we don't have to deal one on one with the devil's of MPI and have them try to
push you into decisions that are not right for you. It is however true that
MPI loves to drag things out. Like someone said, just waiting for you to give
up and die. It is cheaper for them. When are we rallying at the Leg??? Me
and my family are so in!!! Good luck to all of you who are fighting this nasty
corporation.
As for those who make posts about their veh and so forth...if only that was
half of the injured problems. Sorry to say but screw your car/veh, at least
you have your arms, legs, and no chronic pain for life. |
| | Bob | January 23, 2010 6:32:18 AM | | Hey MICHAEL
Just spent 12 hours in emergency due to head and neck problems from mva 4
years ago.But apparently can go back to work ( probably get fired a couple days
later not the fact that i wont have insurance coverage due to previous injuries
but all that doesn't even matterto them)I'm just trying to renew my mortgage
forget insurance there.Take care you know big brother reads these hey. |
| | Michael Pain | January 21, 2010 7:56:28 AM | | Hey Everyone,
At 27 years old my life-career was going great; Automotive Apprentice, wife,
beautiful baby girl of 8 years old.
I thought my ex-wife was mean- OH no, it's MPIC thats the devil.
MVA in 2001, I suffer Chronic Back Pain to which it is every day as it as been
for me the last 8 years and counting.
Now I'm 35 years old, have taken-been on-tried out over 26,000 pills! I have
had over 1 thousands (1,000) needles in my neck, upper-mid-lower back!
MPIC records EVERONE who was-had meeting(s) at City Place!
MPIC keeps my files that shows what they have lied to me about and what would
hurt them too.This way MPIC knows word for word what 'your story is'. These
recordings will be used against you.
MPIC rules over AICAC.
The CAO is a joke (MPIC pays their wages)!
My appeal at AIACA is STILL going (4 years now I think).
YES, I do know I, WE, YOU, US.... Will NEVER get $$$ 4 pain and suffernering!
For me It's how much I'm I willing to live with; do I or don't I do everthing I
can do for which MPIC pays me that which is right-fair-honest.
YEA.
Yea I know; words like fair, right, means MPIC is going to sent 10,000$$ to get
out of paying out 5,000.
I'll check here in a day or two (which I'll be in bed) to read what if anyone
post a post to my post :-)
Goodnight and take care of yourself!
Michael Pain |
| | bob | January 19, 2010 12:27:26 PM | | Right on guys Rob doesn't have a clue if he thinks anybody is getting rich from
mpi.I alsohave pain all the time and dealing with anxiety when driving and
depression but i guess i got lucky they are covering psychological
problems.People who haven't had to beal with mpi when in a serious accident are
in for one big ugly surprise from a company set up to help us,they will be
totally dicusted with the treatment they get. |
| | Deadmeat | January 18, 2010 12:18:28 AM | | Thank you Johnston for the compassion expressed in your comments to Rob's
delusional understanding of how MPIC really functions! I assure you Rob that I
don't wake up in the morning considering myself fortunate or that i have won
the lottery! Instead I dread waking up only to realize that I did not perish in
my sleep and I am again forced to deal with another day of pain and misery! Do
you know what it is like to owe every member of your family thousands of
dollars while anticipating the next call they receive from me is only to ask
for more money to pay bills and keep a roof over our heads! Does your 16 year
old son give you every penny he has earned to help you feed your family? Does
your wife and children leave you in the morning wondering that when they return
home they might find their father hanging in the garage since MPI Doesn't
relate my depression to the accident and refuses to fund psychological
intervention! MPI has taken my ability to provide the basics for my family and
my sanity! Rob the next time you some idiot plows up the rear-end of your car
and MPIC deals with your claim for compensation, i am sure you will reconsider
your feelings of being so fortunate while dealing with MPIC! The only one
getting rich under the no-fault system is MPI and the Ajusters
collecting "Lottery sized paychecks and bonuses" by denying basics to the
claimant! So Rob,come live the ''Dream life'' that the "cash cow" has left me
and thousands of other claimants,you will get the feeling of being REAR-ENDED
AGAIN & AGAIN & AGAIN! |
| | Johnston | January 15, 2010 5:40:59 PM | Rob, it is clear from your comments that you haven't been injured under MPI nor
have you perused The MPIC Act.
What most people want and expect from MPI is a little fairness. What they
don't expect is to lose their homes because they no longer can afford mortgage
payments due to inadequate Income Replacement from MPI. They don't expect to
have to pay for their own treatments or medications resulting from the accident
because MPI has unilaterally denied these expenses for some self-serving
reason, and they don't expect to retire in near-poverty because MPI saves money
by reducing their Retirement Income Benefit, dollar for dollar because the
injured might collect CPP and/or RRSP monies (which they paid for, by the
way).
And Rob, you needn't worry about injured Manitobans gouging MPI for fake pain
and suffering claims, because MPI did away with P&S in the 1990s. It doesn't
matter if your skin was burned off, you get zilch for P&S. |
| | Rob | January 5, 2010 1:21:07 PM | | It looks like some of you are looking for a "cash cow" after an accident. Pain
& suffering...comes with life but if you are fortunate enough to have it
covered by some insurance you may have just won the lottery.
I have heard of much "abuse" of this insurance which drives up the priemium.
I was a "benefactor" of the old unsatified judgement fund after a near fatal
crash in which I was a passenger. Under the existing policies I would feel
quite fortunate.
MPIC is not without faults but come on lets keep it realistic and credible. |
| | from Martin | January 3, 2010 1:40:47 PM | Lost and Confused:
I moved from Manitoba to Alberta four years ago, and it did not really affect
IRI directly. I suppose one negative effect might be that cost-of-living is
higher in Alberta, therefore your IRI (Manitoba based) will have less
purchasing power in Alberta.
Truth is though, there are other things which can negatively affect your IRI
(wherever you are living)and there is nothing you can do about it. For
example, if the cost of living increases less than the wage(corresponding to
your "Determined" income) increases , your IRI will be reduced. Theoretically,
over time, IRI could be overwhelmed by determined salary increases and
eventually be reduced to zero. But this would take many iterations. |
| | Lost and Confused | December 31, 2009 12:37:32 AM | Hi snowed_in
I haven't checked the legislation though I will be doing so...also, I'm sure my
lawyer will have the answer.
With regard to your comment about your case manager twisting words, etc., I
have the solution is NOT to deal with my case managers by telephone. Under the
advice of my lawyer, it's not necessary if I send what I need to communicate
via email. That way there's definitely a paper trail and you can re-write or
edit as many times as needed prior to sending. Part of my struggle after
several MVA's over the last few yrs is major cognitive issues (loss of
concentration and serious memory impairment, etc), so I choose to deal with MPI
via email and/or Canada Post. If your case manager tells you that you can't
communicate with him/her by email, that is entirely not true. I refuse to have
my words and thoughts twisted when I myself at the best of times have trouble
putting my own thoughts into words and then speak them. I deal with severe
mental and physical fatigue and such, so it generally takes me much longer to
get out in words what I'm thinking or trying to say...at least with email I am
not rushed or pressured, in turn allowing for much less stress and anxiety. My
lawyer also recommended that I have someone I trust, whom is also strong in
verbal and written skills, to help me with letters/emails prior to sending; it
ensures that the case manager will be receiving an email that not only makes
sense but also gives accurate information so as to avoid the
potential "twisting" of one's words. Hopefully this information helps.
The only time I deal with MPI via telephone is when it comes to the
smaller "stuff", and even then I don't always pick up the phone as I'm often
much too fatigued to even perform the task of picking up the receiver, holding
it to my ear, and (again) trying to organize my thoughts in order to put
the "right" words together so they're clear and concise when speaking to my
case manager. It's huge effort and often stressful simply because it has to do
with MPI...and only because they clearly don't believe my claims or my doctors
claims either, or they wouldn't have had me followed several times over the
last 2 yrs. It's sad, frustrating and upsetting...but I try my best not to
dwell on what they "think". Only those in our lives that are close to us know
the truth of our pain, suffering and limitations, as well as our team of
doctors, and that is what counts in the end. Never lose hope, faith and
belief...I refuse to give up or quit. We all have a fight that's worth
fighting at some point in our lives, and for me, THIS is it.
Stay strong!! |
| | snowed_in | December 30, 2009 8:24:03 PM | Hi Lost and Confused:
IRI is Income Replacement Indemnity - the wage replacement portion of PIPP,
MPI's Personal Injury Protection Plan. PIPP includes, but is not limited to,
IRI.
Thanks for the feedback on case managers. Mine's a 'treat' (not in a good way).
I have to stop being so naive, since they always seem to twist my words to suit
their slant at the time, and hit me upside the head with a line of twisted
logic I hadn't considered, which is another powerful argument for tape
recording as much as possible and putting it all in writing. :o(
Sorry, I don't know what they can do in terms of preventing you from leaving
the province. Layperson's guess would be that they can't force you to stay, but
it's possible it may affect your IRI payments - they have unusual powers that
make no sense. Have you checked the legislation? |
| | Lost and Confused | December 30, 2009 8:02:25 AM | Hi there snowed_in
I've been receiving IRI (is that not the same as PIPP?) for 2+ yrs and have at
least a 1/2 dozen different case managers. I've only had real issue with one
of them, who's actually had me followed several times as well, and requested at
some point that I be given a new case manager. I spoke directly to the
person's supervisor and sent an email to them as well, but no success. There
was definitely cause to request a new case manager and my lawyer agreed, but it
got me no where. All the supervisor did was make excuses for the individual,
but did promise that I could contact her directly should any further issue(s)
arise. Interestingly enough, after the discussion with the case manager's
supervisor, there were no further issues (nothing significant enough anyway).
So I suppose to that degree (and on a positive note), speaking with your case
manager's super. can be worth the effort.......but don't count on your request
for a new case manager to be granted.
All the best.....and here's hoping 2010 is a better for all! |
| | Lost and confused | December 30, 2009 7:43:51 AM | | Hi all,
I have a question about PIPP. I am currently receiving PIPP from MPI and have
been for the last 2+ yrs. Prior to that, I was involved with someone who had
moved back home to Calgary, but have kept in touch and still see one another
from time to time. That said, I am now considering leaving Winnipeg to
relocate to Calgary and wonder how that decision may effect my PIPP
entitlements? Can MPI make a person stay in Manitoba who's receiving PIPP? I
believe I would do better in Calgary as they don't have the harsh winter
weather as often as Manitoba does...not to mention, the love of my life lives
in Calgary. Please tell me MPI does not have the power and control to force me
to stay living in a province alone, and in more pain than necessary due to our
harsh prairie weather conditions?! :S |
| | snowed_in | December 24, 2009 8:10:39 PM | That being said, there are some areas where I've found MPI's
regulations/decisions to make no sense, where the only solution may be
legislative changes:
- MPI allows massage and acupuncture only through certain providers (physio,
chiro, MD...), none of whom have received the specialized training of an RMT or
Chinese Acupuncturist, which are not covered by MPI. (Note: acupuncture by
Chinese acupuncturist is now allowed with a doctor's specific referral, up to
10 visits at acute phase, but this is not published.)
- If MPI's assessment shows we can do SOME lifting, twisting, bending, they say
we can return 100% to a very physical job, and there's no further funding for
IRI. Completely ignoring how myofascial pain syndrome works... just because we
can do it 3 times doesn't mean we can do it for 8 hours, and repeat the next
day. This also doesn't take into account the debilitating pain the day after
that lasts several days. Pain doesn't matter to MPI – as long as you're
physically able to do the tasks, even if only once or twice.
- Similar for assistance at home: If you can vacuum/sweep, cut, wash, shovel,
etc. for 1 minute, that's enough - they don't care how long it takes you to
make a meal or clean your home, or that there is no one else to do the work for
you. You have to be VERY limited in abilities to get any personal care
assistance... and as others have said, it's very specific what they will allow
you to have help with, for how much time each week, and they reassess you
monthly, and cut you off as soon as you drop below the 9-point minimum.
No, it's not fair. Sad, but true. Is there an end in sight? I wish I could say
yes, but as long as MPI has a monopoly on auto insurance/injury, and are
government-backed and legislated, there's no end in sight. Sorry, guys. We're
in the same boat... hopefully we can help each other along, and share any
positive bits of our experience.
After many months of fighting the system, and fighting for my well-being, I've
learned a few things. Here's one that took a while to compute: The only thing
that getting spitting mad at my case manager/MPI does is cause me more pain -
because there's an emotional connection between anger and pain. Try deep
breathing and relaxation techniques. And don't stop fighting, but do it smartly!
Positive note: I've spoken to a few colleagues who have had reasonably good
case managers. There are a few gems, and if yours in one of them, and you
occasionally get a negative decision, realize that sometimes even the best of
them are limited by the system.
I could never do their job - I'm too compassionate.
-----------------------
My question for those of you who've been there, done that: Can a person
successfully request a new case worker? Is there any benefit? |
| | snowed_in | December 24, 2009 8:09:26 PM | Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed
examples, and be as rational and calm as possible.
- If you don't know an answer, don't guess.
I'm far from winning, and I acknowledge that the system is skewed toward saving
the corporation money, and making us bear the cost of product or service
outside of their limited 'medically necessary' scope.
REMEMBER: You can ask your case manager to reconsider a decision if you have
more information. You can apply for an internal review of decisions once you
receive the case manager's decision letter.
File your Request for Review application as quickly as possible after getting
the decision letter, ABSOLUTELY BEFORE THE DEADLINE, even if you've asked your
case manager to reconsider - you can withdraw the request for review if you get
satisfactory resolution, but you cannot apply for a review after the deadline.
It can take a long time to get an appointment for a review hearing, so start
the process early.
Get as much medical support for the review as you can - the medical community's
word means more than ours. Use objective, factual statements to support your
case, not emotion.
Sadly, I'm not alone in my fight. I am INCREDIBLY FRUSTRATED, and it looks like
I'm fighting a losing battle, but fight I must.
A few lessons I've learned that I'd like to share with other honest folks who
are trying to get services needed to get back to before-accident status:
- Keep DETAILED, DATED NOTES. Record conversations if you can, and do as much
as you can in writing. Follow up on conversations and commitments, and don't
let them 'forget' about issues they haven't yet addressed. Keep a list of
outstanding items, and follow up on them diligently.
- Be honest, and remember to add words like "sometimes, often, occasionally" to
questionnaires. Abilities and pain level vary from day to day, and we don't
want to misrepresent what we're able to do.
- MPI has policies regarding case management. If your case manager is not
responding to your inquiries in reasonable time, or you're not being treated
professionally, talk to their supervisor. It's the only way supervisors know!
The supervisor thanked me, acknowledged that my case worker was not following
guidelines, and promised follow-up. NO ONE HAD COMPLAINED PRIOR TO ME, and I'd
been dealing with this case manager's unprofessional behavior for months!
- Have clearly in mind what you want to discuss with your case manager, their
supervisor, MDs, or any review/appeal staff. Include specific, detailed |
| | Doll | December 3, 2009 10:08:36 AM | | So I have a question/comment here. MPI's Special Investigation Unit have my
clain for almost 3 months now and have asked me to do the Polygraph because
they don't beleive me. Now, my car was burned and it's a totall loss.
I'm now still waiting on this stupid $%!#* and I was wondering about that
polygraph thing. They say that they won't pay my claim unless I do it. Can
they realy decide not to pay my claim because I don't wana do the polygraph?
What should I do? |
| | Deadmeat | December 2, 2009 3:17:44 PM | | Well, congratulations MPIC NO PAY INSURANCE for forcing the sale of our 23 year
home!'' MPIC IS SRCOOGE APROVED'' I am sad to say that soon most of you will be
in the same boat! HOW AM I suppose to keep up with the bills/mortgage payments
after waiting 6 years[and counting]for an appeal.Clearly having my income
reduced from $3400. a month to $400. while im supposed to go to work on
NARCOTICS AND THEN FUTHER REDUCE MY INCOME because CPP Disability found me
total disabled and unable to work ''UPSETS THEM ''Now since MPIC is already
taking cpp deductions from my Determined employment they have further reduced
my IRI [400.00] TO 300.OO while they recover the total CCP LUMP-SUM PAYMENT i
received before i had even payed taxes on that money to which they are not
entitled to a penny of it in the first place!''ONE MIGHT CALL THIS DOUBLE
DIPPING'' lets face it since i became total disabled after my 1998 mva at age
36,MPIC has ensured that my life is $%!#* and is so desperate not to pay, since
i am long term disabled and considering i am 46yrs old now they would have to
pay a long time. MPIC would rather insure that MY family loses everything while
forcing me to go through their appeal process that takes years and years before
you can prove that their AJUSTERS DECITION WAS UNFOUNDED! GREAT SYSTEM FOR THEM
NOT US! No Merry Christmas for Us ! |
| | joe | November 23, 2009 12:29:54 PM | | Its really bad trying to deal with such a communist organization like MPIC in a
free society,so where is the compitition for MPI??I'm sure this will get
deleted but thats ok. |
| | Lost in Forums | November 10, 2009 10:15:15 AM | Lisa have you seen this movie: Living With Fibromyalgia: A Journey of Hope and
Understanding. I wonder if it gives options on how to deal with the condition.
MPI is rather tricky when it comes to whiplash and pain. They Don't like to
cover either one.
Fibromyalgia has no cure and can only we managed slightly with various
medications, exercise, acupuncture and massage.
Obviously you can't complain about pain to MPI because they don't care, but you
can request acupuncture. If you have MRI's, X-rays, and statements from your
doctors that should be relevant enough to fight, but you can't base the fight on
pain.
Lawyers will drain the already empty account. Do you have any friends who have
had MPI claims that can assist you? Read through the MPI Act get your facts and
opinions to line up with the act.
If you were already a claimant and received your decision make sure you respond
within 60 days for the internal review. Then the 90 days for AICAC.
You can scan through the AICAC decisions to see which lawyers have won cases, if
you still feel you need a lawyer. |
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