Manitobans jump on immobilizer program T
Transcription
Manitobans jump on immobilizer program T
1:15 PM Page 1 Working with Manitobans to Reduce Risk on the Road 8/30/05 The $40 million plan provides devices that meet the national standard of the Insurance Bureau of Canada (IBC) for $280 installed, pays $140 toward the cost of each unit, and finances the balance interest-free for up to five years. Participating owners also receive a yearly premium discount of $40, which means many would end up $12 ahead each year. The program, a partnership with CAA Manitoba, aims to install immobilizers in 90 per cent of all Manitoba vehicles within five years. “We’re really encouraged with this enthusiastic response so far and hope it’s the beginning of a trend.” No rate change, basically . . . 3 AOL’s first decade . . . . . . . . . . 6 Inside Coverage Benefits ease pain . . . . . . . . . 7 100 driving tips . . . . . . . . . . . . 8 Summer 2005 “When we announced this program, we said its success depended on Manitobans doing their part to reduce auto theft as a community issue,” says President and Chief Executive Officer Marilyn McLaren. That’s significantly more people protecting their vehicles with engine immobilizers in a few weeks than the total number over the last five years. The company is now working with its business partners to increase installation capacity to this overwhelming response. Nearly 5,000 motorists have jumped on board a new anti-auto theft program launched in June by Manitoba Public Insurance. Continued on page 2 Auto theft cost the company more than $35 million in 2004. Without concrete action this year, the long-term outlook for auto theft claims suggested the company seek a rate increase in 2006–07, instead of holding the line. This program will return theft rates in Winnipeg to 1993 levels and save premium payers $95 million in years to come. McLaren says auto theft in Manitoba is really a Winnipeg problem, as in 2004 theft rates rose 32 per cent in the city but declined in rural areas. It’s also linked to specific vehicles, as the top 100 most-stolen vehicles in Winnipeg represented only 17 per cent of the total Winnipeg fleet last year but accounted for 68 per cent of thefts. Immobilizing these vulnerable vehicles is the key to the anti-theft plan, she says. ‘This is the most progressive auto theft initiative ever proposed in Canada.’ “This is the most progressive auto theft initiative ever proposed in Canada,” says McLaren. “Every day in this city,30 vehicles are stolen and driven through our communities by young thieves with little regard for public safety or their own. We have announced an investment to stop auto theft by making vehicles impossible to steal. Not one vehicle has been started and stolen in eight years anywhere in Canada when it’s been protected by an electronic immobilizer that meets the Canadian standard.” Theft-proofing Winnipeg’s top 100 vulnerable vehicles key to success Manitobans jump on immobilizer program Summer Coverage 05.qxd 8/30/05 Page 2 We also provide our customers with a level of service that is hard to match, let alone beat, with 24 offices around the province and mobile adjusters ready to meet with customers in their homes. Moreover, our comprehensive set of customer service standards helps us “This program is speeding up a theft-proofing process that is already underway among new vehicles,” says McLaren. Recent federal legislation enhanced this process by making immobilizers mandatory on vehicles manufactured after September 2007. However, Manitoba has a larger proportion of older vehicles, and older Manitoba Public Insurance expects to recoup its investment within four years by way of reduced claims costs. 2 Manitoba Public Insurance is funding the program through its Rate Stabilization Reserve, a financial pool it uses to help keep rates stable. To provide full benefits to ratepayers, the program must be embraced by owners of the vehicles stolen most often in Winnipeg. models tend to be stolen more often. Therefore, it will take many years for most of our fleet to be protected by factory-installed immobilizers. Manitobans snap up immobilizers… continued from page 1 At Manitoba Public Insurance, we aim to provide true value to the people of this province, and the key to this is balancing four factors that flow from our founding objectives: price, coverage, service and access. I could talk at length about the extent of our injury compensation program. While the injury benefits we offer to all Manitobans are the best around, few people (thankfully) need to take them. So a more useful measure of our coverage is our collision deductibles, ranging from the basic $500 to $100. Most customers choose to buy a $200 deductible, which is unheard of in many parts of Canada. Manitoba Public Insurance P.O. Box 6300, 820-234 Donald Street Winnipeg, Man. R3C 4A4 Web site: www.mpi.mb.ca If you have story ideas or suggestions, please contact the Editor at 204-985-7678. Design: Advertising Services Writers: Andrea Geary, Jim Johnson, Tracey Proctor, Brian Smiley Editor: Ted Wakefield Publisher: Carol Standil COVERAGE is published quarterly for the business and community partners and employees of Manitoba Public Insurance. President and Chief Executive Officer Marilyn McLaren At Manitoba Public Insurance, we keep the “value equation” front and centre in our business plans – and continue to balance the factors that it comprises so customers continue to benefit well into the future. Sometimes, we move beyond these four factors in contributing value to Manitobans and their community. This year, we’re doing so by tackling a major social issue head-on through our anti-auto theft immobilizer incentive program. Then there’s accessibility, where public auto insurance truly shines. We live by two basic principles: No driver who can legally register a vehicle is denied insurance; and our rates are set using consistent and reasonable criteria, not arbitrary or discriminatory factors such as age, gender or marital status. However, with the deepening controversy over high premiums elsewhere, we’ve see the emergence of “no-frills” auto insurance that offers virtually no coverage at all. We know Manitobans don’t want to sacrifice coverage for price, nor do we think it’s necessary. So while the day may come when other insurers become price competitive, in Manitoba motorists will continue to receive superior value – and the best coverage around. ensure every interaction with a customer is a positive one. In 2004, this was true 97 per cent of the time. Up Front In recent years, we have focused on price and how our rates are among the lowest, if not the lowest, across Canada. President’s Message 1:15 PM Running a successful auto insurance company – especially a public insurance company – can be a delicate balancing act. Balancing premiums and rates, without reducing coverage, is only part of the story. Summer Coverage 05.qxd “I get to see my daughter any time I want, see her smile, hear her laughter and live life as I now know it,” said Hebert, who delivered his powerful But the former truck driver will quickly tell you he’d rather spend the rest of his life in a wheelchair than experience the alternative – death. Imagine waking up in a hospital and being told you will never walk again. Brad Hebert lived that nightmare, as he became a quadriplegic after a single-vehicle collision. Crash survivor delivers powerful seatbelt message Big wheels of safety In its application to the Public Utilities Board (PUB) submitted June 24, the company requested no overall increase in revenue for Basic Autopac rates beginning March 1, 2006. If the rates are approved by the public regulator, Manitoba Public Insurance has proposed no change in Basic Autopac rates next year in a proposal that represents the seventh year in eight it has held the line or reduced overall rates Most Manitobans to pay lower rates in 2006 News Briefs 3 The consequences of an auto crash can be life-altering and extreme: over the last Herbert’s talk with students was part of National Road Safety Week (May 16 to 21) in this province, during which Manitoba Public Insurance and partners Winnipeg Police, RCMP and the Manitoba Safety Council encouraged Manitobans to practise safe driving. The focus of this year’s special week was risky behaviours such as impaired driving, seatbelt use and inattention at intersections. “Had I not been using my seatbelt, I’d be dead today,” said Hebert, 40. “I’m living proof that seatbelts save lives.” message about seatbelt use to 100 students in May at Winnipeg’s Sturgeon Creek High School. “In real numbers, every year in Canada, these percentages translate to approximately 3,000 Canadians who die and over 200,000 who are injured due to traffic collisions.” “Over the last two years, Manitoba has experienced an increase in seatbelt usage,” said Kevin Young, Occupant Restraint Specialist with Manitoba Public Insurance. “However, approximately 40 per cent of those killed in vehicles in Manitoba were not wearing their seatbelts at the time of the crash. five years 30 Manitobans became paraplegics, while another 18 became quadriplegics. On average, 140 Manitobans are killed and 11,000 injured each year on our provincial highways. Lou Gervino (left), Manitoba Public Insurance’s Manager of Driver Education and Improvement, takes part in the Coalition of Manitoba Motorcycle Group’s annual MLA Ride for Safety on May 19, 2005 with Mike Waite (centre), Executive Director of the Manitoba Safety Council, and Greg Dueck, the MSC’s Director of Sales and Marketing. In its latest annual report, tabled in the legislature the same day, Manitoba Public Insurance reported net income of $78.5 million for 2004-05. Investment income of $88.6 million helped reduce the cost of the average premium by $98. Last year, the company returned 87 cents of every revenue dollar to Manitobans in the form of claims benefits. Of the 38 per cent of Manitobans who will pay more, most will face increases of less than $20. Because of staggered renewal rates, some vehicle owners will not pay the new rates until February 2007. “This application builds on nearly a decade of rate stability and a proud history of providing the best insurance value in Canada,” President and Chief Executive Officer Marilyn McLaren said. “This application also recognizes that to be successful in the future, we need to deal with growing problems right now, and one of the worst is auto theft [see pages 1 and 4].” 62 per cent of Manitoba vehicle owners will pay the same or less for Basic Autopac next year and the average passenger vehicle premium will fall $4 to $797. 8/30/05 1:15 PM Page 4 This means that it may be easier to catch those responsible but harder to keep them in jail for any length of time, since they’re young offenders. And, with kids as young as 12 behind the wheel, it also The unique nature of the problem in Manitoba presents both challenges and opportunities, says Arnason. What mainly sets off the crime here from other places in Canada is that most thieves are between 12 and 17, they steal cars for joyriding and transportation – not to sell them – and they choose vehicles that are easy to steal. Tim Arnason, Manitoba Public Insurance’s new Director of Auto Theft Prevention Operations says. The 29-year veteran of the company’s Claims division was named in February 2005 to lead the corporation’s auto theft efforts. “The police and justice system can’t do it alone, we can’t do it alone as the public auto insurer, and we can’t expect vehicle owners to take sole responsibility.” 1990-1994 1990-1994 1990-1994 1990-1994 Plymouth Voyager Chrysler Intrepid Jeep Grand Cherokee Plymouth Acclaim Chrysler Intrepid Dodge Spirit Chrysler Dynasty Pontiac Firebird Dodge Power Ram 1500 2 3 4 5 6 7 8 9 10 4 1995-1999 1985-1989 1995-1999 1990-1994 1990-1994 1990-1994 Dodge Caravan 1 Year Make/Model No. 1 in 11 1 in 10 1 in 10 1 in 10 1 in 10 1 in 9 1 in 8 1 in 8 1 in 8 1 in 8 Odds of Theft Odds of theft in Winnipeg (2002-2004) “Everyone has a role to play in fighting auto theft, and we have to work together,” That’s why, after years of trying various approaches, Manitoba Public Insurance has turned its focus to a solution based on building partnerships. For others, the impact is indirect – family and friends may be victims and the more vulnerable, such as seniors, feel less safe. Moreover, perhaps, by contributing to claims costs, auto theft is driving up everyone’s insurance premiums. For some 11,000 people every year, the impact is direct: a stolen vehicle means missing a workday, a doctor’s appointment or even their child’s soccer game, as they file a theft report, wait for the vehicle to be recovered, and then the damage estimated. It’s a crime that affects every vehicle owner in Manitoba. Check it out on our website (www.mpi.mb.ca). Some types of vehicles are stolen far more often than others, and the risk for many vehicles is far higher in Winnipeg. The closer your vehicle is to the top of our Odds of Theft lists, one for Winnipeg and one for Manitoba, the greater the chance of it being stolen. If your vehicle is in the top 100, you should definitely protect it with an electronic immobilizer through our theft proofing program. Beat the odds – theft proof your car The aim is to discourage kids who haven’t yet stolen cars from doing so, using a variety of community and school-based awareness programs to get through to high-risk youth. These include the Turnabout programs for youth under 12, Shifting Gears, CHOICES, Lighthouse, victim impact panels and broader awareness programs such as the Multi-Media Challenge organized by Manitoba Public Insurance to get middle-school students thinking about the issue. Youth at risk Knowing these special factors, Manitoba Public Insurance and its partners have focused their attention in recent years on four issues: youth at risk, federal legislation, offenders and vehicle owners. means auto theft is a major community safety concern. Immobilizer program leads array of anti-auto theft partnerships Auto theft: Complex community safety problem calls for integrated solution involving all Manitobans Summer Coverage 05.qxd Building on previous efforts to clamp down on these repeat thieves, the Winnipeg Auto Theft Suppression Strategy kicked off July 1, 2005. This program ranks repeat offenders by risk and uses curfews and supervision to keep tabs on their whereabouts, in some cases several times a day. It’s an expanded version of a similar program in Regina that has helped reduce auto theft in that city. Again, because of the nature of auto theft in Manitoba, we generally know who the worst offenders are. In fact, a large portion – perhaps as much as 45 per cent – of thefts can be linked to just 200 youths in Winnipeg. Keep tabs on offenders This spring, Transport Canada responded to the last point, introducing legislation that sets the date for mandatory immobilizers as September 2007. However, the new federal technical standard for immobilizers is less stringent than the Insurance Bureau of Canada’s benchmark, which Manitoba Public Insurance adheres to. Still, Arnason stresses: “This will be the most comprehensive legislation of its kind in the world.” There’s been a push to make auto theft a separate indictable offence under the Criminal Code (it’s now included under sections related to theft). Manitoba Public Insurance has also worked with groups urging the federal government to make immobilizers mandatory in new vehicles. Various groups, such as the National Committee to Reduce Auto Theft (whose Executive Director is Barry Ward of Manitoba Public Insurance), have lobbied Ottawa to change the Youth Criminal Justice Act to allow for more auto thieves, primarily chronic re-offenders, to be kept in custody. Changes to federal laws Auto Theft 5 Manitoba Public Insurance joined forces with CAA Manitoba in June to launch the immobilizer incentive program (see page 1). Its aim is nothing less than to virtually eliminate auto theft by making cars “theft-proof.” It’s an ambitious strategy – seeking to immobilize nine in 10 vehicles in Manitoba within five years – but it promises to put a huge dent in the problem and reduce theft to levels not seen since the early 1990s. Vehicle owners: get an immobilizer “We know when the most high-risk repeat offenders – the worst of the worst – are in custody, theft numbers plummet,” Arnason says. “With this program in place, we can have a more consistent and long-term impact.” “But this program can’t resolve the social factors behind auto theft or stop young people from turning to other forms of crime, including vandalizing vehicles they might once have stolen. Ultimately, these are community issues and require community-based solutions.” “If successful, the immobilizer program would change the whole complexion of this issue,” says Arnason. “It could dramatically cut the monetary costs to this company and its ratepayers, and virtually eliminate the threat to public safety posed by underage drivers cruising the streets for kicks. Arnason (right) examines stolen vehicle with Manitoba Public Insurance Auto Theft Co-ordinator Barry Ward. Brokers Injury Benefits “AOL removed lots of repetitive data entry, which cut down on the chance for Once AOL was up and running, he noticed its “information integrity was significantly better in terms of keeping the error rate down” than the previous system. “It was a fantastic learning experience,” says Bryce. “I got to learn AOL inside and out. Any problems I had, the tech people were right there, along with two broker administrators, to help me out.” For Irwin’s son, Bryce, things also got a lot busier, too. He remembers keying in over 6,000 interactions at Manitoba Public Insurance’s main office in Winnipeg that summer. Brokers Inc. in Winnipeg. “There was a big hail storm and then came AOL. Our whole world changed after that.” 6 Irwin Kumka and son Bryce of Ryan Gateway Insurance Brokers say Autopac On-Line has transformed their business, allowing them to develop better relationships with customers. “It was a pretty exciting summer in ‘95,” recalls Irwin Kumka, Executive Vice-President of Ryan Gateway Insurance For customers, perhaps the biggest change was that they no longer had to line up at the end of February to renew their Autopac policies. They could renew their policies on or before their personal renewal date. For brokers – once they got up to speed on the new system – the benefits were dramatic. They could process insurance sales and vehicle registrations on the spot, reconcile cash flow, and track product sales and staff interactions with customers. It was ahead of its time when it went live July 1, 1995, and Autopac On-Line is still a leading-edge business system today, as it celebrates its first decade. th JIM JOHNSON “The business is now spread out over the whole year, giving us more time to talk with our customers and develop better relationships with them,” Irwin adds. And that’s good for customer, brokers and Manitoba Public Insurance. The Kumkas agree that such changes transformed the way they did business. “The number of products under AOL were, at first, limited. Now, the breadth of products available makes the selling process more involved. There are optional coverages to be discussed with your customers,” Bryce says. “Ten years later, what we learned on that project is helping us move forward with new initiatives. I’m privileged to lead an organization whose people have demonstrated time and again their commitment to providing Manitobans with the best service possible.” Perhaps most important, AOL has never stood still. President and Chief Executive Officer Marilyn McLaren was Manager of Policyholder Services during the AOL project. “Every day since AOL was introduced, it has improved, allowing us to offer more options and better service to our customers,” she says. “I was a member of the team that envisioned how we would do business and how this new way of doing business would help Manitoba Public Insurance meet its business objectives,” Guimond says. “I remember being very excited to see ideas on paper becoming reality and to be part of this unique experience.” When Dan Guimond, now Vice-President of Corporate Insurance Operations, started as a Senior Business Analyst in 1990, he was responsible for developing and implementing plans to bring Manitoba Public Insurance up to speed with the latest business technology. AOL emerged from that planning. making errors. I never worked with a system before that had checks and balances built into it. A form wouldn’t advance until the correct codes were entered.” Sherry suddenly saw a deer’s white rear and tail at the side of the highway and yelled: “Deer!” She quickly leaned over to grab the steering wheel. She knew that, like most inexperienced drivers, Nadine’s first instinct would be to swerve away from the deer, and she feared a roll-over in the ditch. The deer jumped directly in front of their car and was killed instantly. Sherry and daughter Nadine, 17, were heading home from a “perfect day” in Winnipeg spent shopping for accessories for Nadine’s graduation. Sherry was still dressed in the red serge uniform she wore to an RCMP dinner that evening. The two were chatting, with Nadine at the wheel to gain experience in night-time highway driving, heading north on Highway 8. “I didn’t know what to expect, and I was pleasantly surprised,” the Winnipeg Beach resident says. She even sent Kupchik a thank-you card to show her appreciation. Sherry Benson-Podolchuk is still troubled by neck pain but is on the road to recovery after a collision with a deer – thanks in large part to Manitoba Public Insurance and Senior Case Manager Leanne Kupchik. 7 BensonPodolchuk says she’s pleased with – and surprised by – the injury benefits she’s received. She soon started physiotherapy sessions three times a week. Normally an active runner and avid baker, Sherry was frustrated to be limited to moving between her bed and the couch. She was surprised when Kupchik suggested Sherry pay Nadine to do a few hours of housework a day. “I didn’t know there was such a benefit,” says Sherry. Before 1994, when PIPP began, a claimant in a similar situation would have received medical and rehab expenses up to $20,000 and more limited income replacement (75 per cent of income to a ceiling of $18,200, in 1994 dollars). She would not have received home care or travel expenses. Sherry Benson-Podolchuk has been eligible for a range of benefits from Manitoba Public Insurance’s Personal Injury Protection Plan (PIPP), including unlimited medical and rehabilitation expenses (including transportation costs), paid home care provided by her daughter, and assistive devices to help her be more independent. She’ll also receive income replacement (up to 90 per cent of her salary or $67,000 a year) until she’s able to return to work. Injury program outshines pre-PIPP benefits ANDREA GEARY Sherry was hoping to return to work soon at the RCMP’s Division D in Winnipeg. And, although her journey back to health has been slower than she would like, she’s thankful she and Nadine weren’t killed in the collision. “I used to work for the Highway Patrol in Selkirk and know that it could have been a lot worse.” The next afternoon Sherry felt severe pain across her right side where she had leaned into her seatbelt to hold onto Nadine and the steering wheel. A day later, her doctor diagnosed whiplash and gave her a prescription for anti-inflammatory drugs. Sherry contacted Manitoba Public Insurance’s Selkirk Claim Centre to report the accident and her injury. Because she was in such severe pain, Kupchik drove to her house to perform a Personal Care Assistance (PCA) assessment, speeding up a process usually conducted by assessors – an option rural case managers can use to deal with clients’ needs quickly. At first, her treatment was quite basic – muscular stimulation from electrodes and heat therapy. As her health improved, she moved to five-minute sessions on the exercise bike. Having trained for and run a 10-kilometre event, Sherry was amazed at how exhausted she was after just five minutes on the bike. But by July she was able to ride for 15 minutes. After they pulled over, Sherry focused on calming her daughter down and assessing the damage to the car. Surprisingly, the air bags had not deployed but both headlights were smashed, along with the car’s hood. Nadine called police to report the accident, and then Sherry slowly drove the rest of the way home using the four-way flashers for light. Rural client encouraged by helpful response after collision with deer Page 6 Pioneering broker transaction system marks 10 anniversary 1:15 PM Fast, flexible benefits help crash victim deal with pain 8/30/05 Like fine wine, Autopac On-Line gets better with age Summer Coverage 05.qxd 8/30/05 1:15 PM Page 8 Gervino and Sauder, a TV reporter with CTV Winnipeg, first climbed into the CTV vehicle in 2001 to produce a series of a dozen short educational videos. Each segment features the duo enacting a specific driving situation, while offering basic advice on the topic – in a 60-second clip, similar to a television commercial. The station airs each segment several times a day for two weeks. “We get requests for use of the clips from across the country – from law enforcement groups, driver training groups and even companies looking for new ways to train their fleet drivers, “ says Gervino, Manager of Driver Education and Improvement at Manitoba Public Insurance. “We even had a call from the fleet safety manager for Shell in Scotland.” Lou Gervino and John Sauder’s 60-Second Driver was a hit with Manitoba viewers from the first clip – and is still popular with the home crowd with the 100th in the can. But in 2005 feedback is coming from much further afield. It started out as a small, one-time project four years ago. Today, it’s a one-of-a-kind driver awareness campaign in hot demand with training professionals across North America. 8 Sauder agrees, saying he receives calls and e-mails each week regarding the topic covered. “Most are really positive and a lot of drivers are telling us they’re benefiting from watching them,” he said. With a quarter of a million viewers watching a segment, viewer response has been plentiful. “Viewers tell us they find the clips easy to relate to and many say they have altered their driving behaviour after watching an episode,” Gervino says. “People call us to discuss a topic we addressed, ask questions and many offer suggestions for future topics.” He and Sauder decided to keep the camera rolling and eventually a schedule was developed where 24 new episodes were produced each year – 12 in the fall and 12 in the spring – which are alternated with previously run clips to fill out the year. After the first 12 episodes aired and re-runs began, viewers called in wondering why they had stopped making them. “There was definitely a desire from the public for us to continue,” says Gervino. Popular driving-tip duo not ready to pull over quite yet Driver Ed Sauder (left) and Gervino are finding continuing strong public interest in driving tips. TRACEY PROCTOR Nor is the pair scraping for ideas. Gervino says they could easily reach the 200 mark without the well running dry. “As long as there’s viewer interest, we’ll keep going.” The 100th episode isn’t the end of the road for the 60-Second Driver, though. Manitoba Public Insurance recently signed another contract with CTV Winnipeg for 24 new episodes. Sauder and Gervino feel they’ve honed a formula that works and have been able to introduce new things to keep the series fresh. “We’ve created an identity for the series and viewers recognize us as part of that,” says Sauder. “The interactive CD combines the video clips with quiz questions and has proved to be a fun and educational way for drivers of all ages to test their road safety knowledge and skills,” says Gervino. Twenty-five clips were also recently incorporated into a new computer-based training program the company introduced this spring called Virtual Driver - Are U Road Ready? Such reaction also led Manitoba Public Insurance to post the segments on the company’s website in a downloadable format, accompanied by a copy of the script. In an average week the clips are downloaded nearly 1,400 times, with the most popular driving tips being parallel parking, left turns, shoulder checks and U-turns. 60-Second Driver celebrates 100th episode Summer Coverage 05.qxd