Monday, November 06, 2006

Public Insurance Initiates Campaign of Threats To Vehicle Owners

Here in Manitoba we have a Crown Corporation that enjoys a monopoly in the provision of automobile insurance.

Manitoba Public Insurance or Autopac has a problem with the costs of car theft and wants us car owners to know that it's Our Fault.
Never mind that the reason Manitoba and particularly Winnipeg has the highest rate of car theft in Canada has everything to do with the Youth Justice Act and the Revolving Door justice system where multiple repeat offenders are continually put back on the street. Our public insurer has decided that if those of us who wish to own vehicles that happen to be popular with car thieves do not cooperate with their bureaucratic initiatives we are going to be held accountable.

In the letter I received today from MPI they go to great lengths to inform me that I am guilty of increasing my own chances of losing my vehicle to thieves. Why is that?
Apparently because I have chosen not to purchase a government subsidized electronic immobilizer and according to MPI 29,000 others have, my vehicle is now in greater demand with thieves. According to MPI my chances of having my vehicle stolen have improved from some unspecified percentage to a whopping 1 in 13 chance! By this logic every time someone does not buy a lottery ticket those who do have a better chance of winning! Absolute rubbish!

Never mind the unsubstantiated statistics being bandied about by the insurer. Just what leap of logic proves that the thieves have any way of targeting me as opposed to me neighbour?

Never mind that the immobilizer program is VOLUNTARY!

They go on to say that my vehicle costs them $200 more than what they are paying out in claims! How is that? Apparently the logic is that because thieves tend to like my vehicle it's MY fault that auto thefts are UP! And the only solution is for me to submit to the will of the bureaucrats and install the immobilizer!
Either that or of course they will be "Forced" to request higher rates from the regulators to cover their costs from increased auto thefts!

I suspect that this has more to do with the fact that in spite of the much touted Immobilizer program and the supposed 29,000 vehicles now "protected' that theft rates continue to climb and Autopac costs continue to soar.

Well here is my answer to you Dave Chomiak the minister responsible for MPI and just coincidently the Justice Minister. Also, to the bureaucratic bullies that have the nerve to use their position to attempt to coerce vehicle owners into compliance with a voluntary program.

I have insured my vehicle as required by law.
I have chosen not to partake in a voluntary program for reasons of my own.
These reasons as stated are My Own and therefore none of your damned business!
I do not care that MPI is subsidizing the installation even if it's 100%.

If you want to put a dent in your costs at MPI start taking a look at your spendthrift policies on repairs.

If you want to put a dent in the number of vehicles stolen Mr. Chomiak start by keeping thieves In Jail.
A thief that is in prison is not out on the street stealing cars.

You have no business threatening vehicle owners with punitive premiums.

There will be more to come on this matter.



Blogger Fergy said...

Amen bro.

Mind you when you consider the crap boxes I drive I pray someone will steal it ;)

I always tell my insurance agent that if I wreck My car I've alreazdy filed the VIN and keep a screwdriver handy to remove the plates. Hopefully one of my thumbs still works. :)

11/06/2006 9:32 p.m.  
Blogger Clinton P. Desveaux said...

Like the site

11/07/2006 8:47 a.m.  
Anonymous she said...

I remember when MPI started advertizing that they were subsidizing the immobilizers. I also remember how much I paid in premiums as a brand new licensed driver in Winnipeg...

I'm currently paying 3x that amount for the same type of coverage in Edmonton - except now I've got things like an accident free records, multiple years of unbroken insurance coverage and driving experience that I didn't have when living in the 'Peg.

If anyone suggests switching from MPI to a private system, run away screaming. Or better yet actively lobby against it.

11/09/2006 4:19 p.m.  
Blogger PGP said...

MAke no mistake..I do appreciate the relatively low premiums I pay...having lived in other provinces I understand the Pros/Cons pretty well.
What I do not like and will not stand still for is being threatened with punitive charges based on BS statistics and a nurse nanny mentality of we know what's best for you.

This is problem with socialist programs...what starts out as a beneficent option or choice soon becomes a draconian demand.....who's in charge here the taxpayers or the bureaucrats?

11/10/2006 7:11 p.m.  

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