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That isn't right. If she didn't make a claim then they can still go after her for the damages, I was in an accident and my vehicle wasn't damaged so I didn't have to make a claim but I did go into them and explained what happened, I wasn't the one in the wrong so I don't know how that works but I still feel that just because she didn't make a claim doesn't mean he has to pay. I also had a friend get into an accident where she was at fault but her vehicle wasn't damaged, she was forced to make a claim so that the person could get there compensation. Did he get her info? MPI should be able to call her in. You can always counter MPI's offer, print of cars the same year, make, model, with roughly the same km to help prove the car is worth more.

Or have things changed? I believe that once the other person has been identified, then the onus is on them. If you have witnesses and all the pertinent info, then I don't see any issue.

Why didn't he get her info? I understand it's a crappy situation, but he could have at least got a plate number. So unfortunately he's screwed. Sucks, but good educational boo boo.

He did get her info and no the police where not involved this was his first accident so was not sure on the whole process,he just notified auto pac right away i told him if it does happen again which I hope not to call the police. Mpi told him he had to pay the deductible because she hasn't come forward, his dad phoned mpi as well to question them and they told him the same thing that if she doesn't come forward someone has to pay the deductible

He did get all her info plus the plate number of her car,as a matter fact at the end of it all they ended up with each other insurance papers, as she grabbed his and didn't notice so he has hers

That's bs then. Sorry for my assumption.

Cytotech said "Or have things changed? I believe that once the other person has been identified, then the onus is on them. If you have witnesses and all the pertinent info, then I don't see any issue. "

I was in an accident a couple years ago. The police were called, and because nobody was hurt, they didn't come. Went to the station after, didn't even have to file a report. They said to just go to mpi.

You should probably get something on record as who ever is at fault loses merit points and a financial penalty. In the long run will affect your drivers licence and future insurance costs.

Good for MPI bad for the boy. Good on him for not allowing that to happen. MPI is terrible. Pay the deductible but don't ever settle on their first offer. It's always a real low ball figure.

Maybe your son can go and talk to the woman. Being that they have each other's documents it would be reasonable excuse for them to meet and talk.

- Your son was absolutely correct in not agreeing to claim it as a parking lot hit & run. Any subsequent investigation may discover the truth and the last thing your son needs is a charge of insurance fraud.  
 
- Check with the police about a statement. I believe it is mandatory to report any accident that causes damage over a certain amount, and as the car was written off, it probably falls above that limit. Also, he will have his statement on file, and the police will follow up with the other party as to why they haven't made a statement/claim.  
 
- The MPI estimator goes by the book value of the vehicle, as opposed to what was paid for it, which will almost always be higher. As another poster suggested, talk to the adjuster and see if you can negotiate a better payout. It might work!

Manitoba Public Insurance can assist you in determining if you must report your accident to police when you call to make a claim.  
 
There's no need to report a straightforward fender-bender to the police.  
 
But if your accident involves any of these things, you must report to the police:  
•fatality  
•hospitalization because of injury  
•an unlicensed driver or unregistered vehicle  
•an unidentified vehicle (e.g. hit and run)  
•you failed to get the other driver's particulars  
•you suspect the other driver was under the influence of alcohol or drugs  
 
You must report accidents within seven days.  
 
Vehicle damage resulting from suspected vandalism, attempted theft and theft must also be reported to the police. You must report vandalism, theft or attempted theft as soon as reasonably possible.  
 
The police and Manitoba Public Insurance have entirely different responsibilities. The police are primarily interested in whether both drivers obeyed criminal and traffic laws. We need the information to assess who was at fault and to confirm both drivers met the conditions of their insurance policy.  
https://www.mpi.mb.ca/en/Claims/Vehicle/Reporting/Pages/notify-police.aspx  
 
I notified the police when I was t-boned (called 911 cause I didn't know the procedure for MPI as I had never been in a MVC) and this is what I was told too. They still took a quick statement, but just for record purposes. Unfortunately the ones at fault always seem better off. I was without my truck for 4mths because of not being able to get parts and was dumb enough not to take a loaner car (as I had a couple trucks to switch into). The person at fault was driving their car just a recklessly 2 weeks later, all repaired. Good luck!

At the very least, she should pay his deductible if she was at fault.  
Why not tell her that, politely but firmly. If she doesn't co-operate, tell her you have no choice but to make her name and vehicle public so as to warn other drivers.  
Just might work.

If they have her info they'd send her letters. I was in an accident where the guy never came forward. They kept after him as he was at fault. Keep on calling.

this summer and same thing, the other driver was at fault and did not want MPI contacted nor were police contacted. Car was a total write off, MPI advised they would be sending her a letter and she would have so long to reply, if she did not they move to the next step and I did not have to pay deductible as it was a rear-end collision so automatically she was at fault. Keep on MPI as if you have a witness and it can be proved you are not at fault, they will mail letters and then move to a further step to have the driver at fault pay for things. Good luck! MPI always tries to screw people over and give less for the write off. Counter their offer and fight for the higher price, I had to do it and after 2 counters received close to what i found the vehicle to be worth. Never accept the first offer, and remember the minute you take the car off the lot it depreciates in value.  
 
Edited by Smilin, 2015-09-12 09:16:32

Just be very careful of this assumption. If your son was at a stop sign, for example, he left the stop sign before safe. Even if the other drive had her turn signal on, a driver at a stop sign has the wait until it is completely safe to proceed. It is possible that MPIC is finding some fault in your son's actions, resulting in him having to pay the deductible. Maybe check with the adjuster and ask about who is at fault. They may have found him at fault or maybe even 50-50. In both cases he will have to pay.

They where not at stop sign they where at lights which where green, there was a straight away lane and a turning lane she was in turning lane with signal on, as he checked then proceeded to go, and mpi has already said he was not at fault for the accident that she was 100% at fault, someone witnessed the accident as well and gave there number to my son for auto Pac to call

He is not at fault. Maybe MPIC is collecting the deductible until she pays, then he will get that money back.

Momtofour said " A lady who was in turning lane with signal light on decided to go straight and hit my son's car, she was 100% at fault, my son claimed the accident right away which he also had a witness to the accident. She didn't want him to claim it she wanted him to say it was parking lot hit and run which of course he was not willing to do, his car is a write off and now auto Pac says he has to pay the 200 deductible because she hasn't claimed the accident. He just purchased the car that same day got a good deal on the car mint condition car with low kms and now he had to pay the deductible that she should be paying plus they are giving him 800 dollars less for what he paid for the car, as far as I am concerned mpi is a joke they should be going after her license "

There are two parts of your post to address. When you put in a claim for damages to your vehicle a deductible always applies based on the type of damage and what caused it ( other than stone chips if you have the proper insurance) Either you will pay the deductible or in the case the other party is fully at fault their liability insurance will pay your deducible. Even if they have no damage but were fully or partially responsible for your damage your deductible would be partially or fully covered by there insurance.  
 
In the case the vehicle is a total loss then you have to prove that the price he paid for the vehicle reflects a fair market value for the vehicle based on the condition of the car. To prove this you would have to do some research to prove this by finding examples of vehicle that are for sale of similar year make model and condition of the vehicle your sons owns. print these off and give them to mpi to prove your loss.  
 
If they are proven 100% responsible and you can prove that the price he paid was a fair market value he should be put very close to the same financial situation as he was before the accident.

I had a vehicle written off due to hail damage and I was told by a friend not to accept MPI's first assessment of the value of my vehicle. I instead was told to find ads for three similar vehicles (same make, same year...) that showed that the cost of the vehicle was higher than what they assessed it at. I sent these estimates to the assessor at MPI who I was dealing with and they re-assessed my vehicle at a higher value than previous. I hope this info helps your son. Give it a shot!

BuddyCthulhu said "- Your son was absolutely correct in not agreeing to claim it as a parking lot hit & run. Any subsequent investigation may discover the truth and the last thing your son needs is a charge of insurance fraud.     - Check with the police about a statement. I believe it is mandatory to report any accident that causes damage over a certain amount, and as the car was written off, it probably falls above that limit. Also, he will have his statement on file, and the police will follow up with the other party as to why they haven't made a statement/claim.     - The MPI estimator goes by the book value of the vehicle, as opposed to what was paid for it, which will almost always be higher. As another poster suggested, talk to the adjuster and see if you can negotiate a better payout. It might work! "

"The MPI estimator goes by the book value of the vehicle, as opposed to what was paid for it, which will almost always be higher. As another poster suggested, talk to the adjuster and see if you can negotiate a better payout. It might work!"  
 
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My experience has been that MPIC will almost always offer a low ball offer on your vehicle. This offer is based on ?? I've never been able to determine what it's based on, certainly [b]not[/b] anything that represents the value of the vehicle. If you stick to your guns and show cause why your vehicle is worth more you will almost always do better.

low ball offers from MPI ,they offer low and hope that you need the money in a hurry, the people that can afford to wait will eventually get a fair offer.

I laugh at people thinking that MPI are out to lowball people on values of their vehicles. They don't get paid a higher wage for 'lowballing' people.  
 
Their value comes from black book, past identical vehicles being written off and ads from the Internet from sites such as autotrader or kijiji. They avg them out.  
 
If their first offer is lower then what you think then all you have to do is send in your supporting docs showing a higher value. They have no problem paying more- you just have to support it!!!!

SarahTSR said "I laugh at people thinking that MPI are out to lowball people on values of their vehicles. They don't get paid a higher wage for 'lowballing' people.     Their value comes from black book, past identical vehicles being written off and ads from the Internet from sites such as autotrader or kijiji. They avg them out.     If their first offer is lower then what you think then all you have to do is send in your supporting docs showing a higher value. They have no problem paying more- you just have to support it!!!! "

I'm pretty sure you're the first one in this thread to suggest a relationship between MPI employee's wages and the practise of making lowball offers to people on their vehicles.  
 
As an MPIC policy holder as well as having been an accredited MPIC repair outlet, I will say that it's quite clear (to me, at least) that paying the least amount possible to settle all claims is part of their M.O. I've seen them go to lengths to make that happen that would be considered, at best, by any private business, unethical.

If he has her info and he has made an insurance claim and she has been found at fault for the accident, then her liability will cover the cost of the claim. Just because she has decided not to make a claim for her damages, doesn't mean that she is off the hook and he has to pay his deductible. Doesn't make any sense and not too sure why he would have to? Mpic would be going after her...  
 
Unless I'm missing something or mpic has changed since I've lived there

I think that's wat it's called tell mpi u u want wat u want or you will get arbitration involved that means someone looks at ur car and take them to court and they won't want that cuz they probly be paying a lot more

Momtofour said " A lady who was in turning lane with signal light on decided to go straight and hit my son's car, she was 100% at fault, my son claimed the accident right away which he also had a witness to the accident. She didn't want him to claim it she wanted him to say it was parking lot hit and run which of course he was not willing to do, his car is a write off and now auto Pac says he has to pay the 200 deductible because she hasn't claimed the accident. He just purchased the car that same day got a good deal on the car mint condition car with low kms and now he had to pay the deductible that she should be paying plus they are giving him 800 dollars less for what he paid for the car, as far as I am concerned mpi is a joke they should be going after her license "

if he has already received his letter stating that the other driver was 100% at fault, there would be no need for him to pay anything. there should be a fair amount of information in the booklet provided, at the time of renewal. speak to your adjuster about the deductible being billed to the driver responsible for the accident. MPIC is monitored by the Public Utilities Board. if you feel that you need more information and MPIC seems to be less than honest, call the P.U.B.  
 
find as many vehicles the same as your son's, being sold now. print off the ads and have them handy. make sure the mileage and recent improvements are noted, this affects the value of the vehicle. also, if your son's vehicle has had any recent work done to it, have those receipts on hand as well. the onus is now on you to prove what you feel the vehicle is worth.

If it happened that she hasn't started a claim on her vehicle- you may be required to pay the deductible. Mpi will do an investigation into who's at fault, and if it is found that she was 100% at fault they should reimburse you the deductible at that time. Also having the documents to support what you are wanting for your vehicle is a good idea.(tires,mechanical.upgrades. Also finding some ads online for the same vehicle and mileage is good too.

I am going to assume most of you have not worked in the insurance field before: if you had you would realize how funny you all sound. Although most of you think MPI is just going to low ball you that is not how it works. A lot of time goes into valuing your vehicle and yes by all means if you can support a higher value - then support it. End of story. As for the deductible I don't know why your confused....having collision coverage is subject to your deductible. Period. As it was explained to you as YOU said in your note MPI will reimburse your son if they can recover the deductible from the responsible person. There are procedures they need to follow as well and giving that person time to report etc etc is one of those. If you done like it don't unsure your vehicle and then see how happy you would be to have insurance. People don't understand...having insurance is piece of mind. Can you imagine not knowing every day you got in your car If you would have coverage should something happen. Think about how fast that  
Could add up if you had to pay for a few vehicles, maybe some property damages, health care. Be happy all you have to pay is the deductible.