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I never post on this but I am very ticked off and need some advice. This may be a long one with rambling. I have a car that was parked on the street and someone threw a brick through the front and back windshield. I have spoke to 4-5 different MPI workers and have been told all different things by MPI. Basically they said the car would be fine and repaired. Then next call it's written off. Then they say to go to a body shop, (who will remain anonymous due to my mass dislike of them,) and see if we can get the number down. Went and did that and brought it down to $1000 less then the cars value and that was supposedly going to be I that they're going to fix it. Now today we get another call saying it's going to be written off. I honestly just don't understand first of all that an innocent person is sleeping in the house, some idiots come and throw the brick, she has to pay the $200 deductible and then the car is written off? How is that at all fair? They are adding up damage from an accident over 5 years ago into the total. Also, the first time they said we'd get $4800 for the car and today it is now $2200. Also the severe lack of communication between the auto body place and MPI giving us all contradicting stories about the car. Is there anything that can be done to help her as she is broke since MPI is obviously not helping at all. It's cause serious anxiety as no one is telling the same story. Thanks

Why are you talking to more than one employee, an adjuster would be assigned to the case and that's generally who stays with it. Unfortunately, there is no way getting around previous damage that wasn't fixed in a write of situation, and the deductible tough luck unless you find the culprit. Get 3-5 comparables of cars that are similar kms, condition and type, take those in to your adjuster and state your case. You don't need to take the first price, but you def need to have reason not to take the first price with some sort of proof that your car is far more valuable.  
Good luck.

Its been a different person every time that has called us. Just something else inconsistent with us.

Find out who your adjuster is, and request to speak to them in regards to the pricing of the write off and go prepared.

First off, your situation totally sucks.  
 
It's crazy how much money you dump into that place to insure your vehicle, and then how tight they are about it when you actually need them.  
 
I don't have much advice, but I do agree with Wam22 about finding ads for comparable vehicles. I wrote off my car before, and I went in with various ads from Kijiji, Auto Trader, classifieds, etc. They will almost definitely try to lowball you as much as they can. I was able to get $4000 more than what they initially wanted to give me. It doesn't seem like much on the purchase of a vehicle, but I'd rather see it in my pocket than theirs!  
 
That's odd that there's a bunch of different people calling you regarding your car though.. :s  
 
Good luck with everything, and I really hope they're a little more accommodating with you than they are with most people.. but I wouldn't hold my breath.. lol.  
 

In Manitoba, vandalism is subject to your deductible. Unless you know who did the damage, you are responsible for your deductible. Read your policy guide.  
 
The reason why you have spoken to different people every time is because the adjusters work as a team. Sometimes it's frustrating but unfortunately it's the way it is.  
 
once your vehicle goes to the shop unless there is additional damage MPI is not in contact with that shop, they don't require status updates - you need to communicate between the shop and MPI.  
 
when your vehicle is damaged you look at how much damage is on your vehicle compared to the actual cash value of your vehicle. If the damage is more than what the vehicle is worth it is not economically feasible to repair your vehicle if it's going to cost less to write it off.  
 
 
The old damage on your vehicle comes into play with the actual cash value-if you have a claim on your vehicle you need to get that claim repaired or else it does count as all damage on your vehicle. If you have to a identical cars but one has A big dent and scratches all over the bumper from an accident and the other one doesn't which one do you think you choose if you had to purchase one.... Hence taking off the old damage to value the vehicle for what it's worth on the market today

They have adjusting teams now. A claim is now sent to a team instead of one person. The brick must have done more damage than just break the window? And if you have a previous claim open but never repaired, it will go towards the total value of the car.

AngelEyes2009 said "I never post on this but I am very ticked off and need some advice. This may be a long one with rambling. I have a car that was parked on the street and someone threw a brick through the front and back windshield. I have spoke to 4-5 different MPI workers and have been told all different things by MPI. Basically they said the car would be fine and repaired. Then next call it's written off. Then they say to go to a body shop, (who will remain anonymous due to my mass dislike of them,) and see if we can get the number down. Went and did that and brought it down to $1000 less then the cars value and that was supposedly going to be I that they're going to fix it. Now today we get another call saying it's going to be written off. I honestly just don't understand first of all that an innocent person is sleeping in the house, some idiots come and throw the brick, she has to pay the $200 deductible and then the car is written off? How is that at all fair? They are adding up damage from an accident over 5 years ago into the total. Also, the first time they said we'd get $4800 for the car and today it is now $2200. Also the severe lack of communication between the auto body place and MPI giving us all contradicting stories about the car. Is there anything that can be done to help her as she is broke since MPI is obviously not helping at all. It's cause serious anxiety as no one is telling the same story. Thanks "

if you had damage done to your car 5 years ago and never cared enough to fix it, why do you suddenly care about the car now? if the car was already a wreck when it was vandalized, why would you expect a premium payment for it?  
 
i'm willing to bet that the book value was originally $4800 but when MPI saw the 5 year old damage that you previously neglected to repair, they gave you a more honest and realistic value.  
 
if any of what you are saying is true, you should have gotten a printed letter directly from your adjuster. it would have his or her direct phone number and extension number on it, with a claim number.  
 
you do not have to pay any deductible. after everything is settled, they will take the money off of the write off amount. i have had 3 vehicles written off and have never given them a penny for deductibles. they either charge it to the person responsible, when they are known or deduct it from your settlement in the case of vandalism etc..  
 
you started the post saying it was YOUR car and ended by saying 'she is broke'. you seem somewhat confused within your own story. take a step back, get your FACTS straight and follow the instructions that MPI gives you. you created this situation by being negligent with vehicle maintenance to begin with. this seems like an outstanding opportunity for you to learn from a past mistake and move forward with enough information to NOT do it again.

Depending on the year make and model of the car the glass can get pretty expensive. I have seen windshields that can go for over a grand and others that are only a couple hundred bucks.

AC2 said "Depending on the year make and model of the car the glass can get pretty expensive. I have seen windshields that can go for over a grand and others that are only a couple hundred bucks. "

Especially the rear window. Many early 2000's or cars would likely be written off due to a broken rear window.