ICBC expected to lose $890M this year

[logicbomb]

Originally Posted by VarBreStr18

Thanks for your eyewitness account of yet another staged accident. I also own a dashcam , but dashcam only record what happens in the front. Does nothing to culprits that stage an accident at the rear. I read there are pretend victims who got hit when you are pulling out. Also in busy parking lots , there more more than one vehicle backing up at the same time. I still think have a partner (hopefully you have a passenger) to direct you until you are safely backed up gives added peace of mind.

#1 March 2017, driving on 72nd Ave near 120th St late in the evening, someone begins honking from behind. Another vehicle pulls up beside and motions me to pull over. I comply, but stay in my vehicle. Lady comes out and tells me I hit the vehicle behind me when I was turning out of a parking lot. I was completely perplexed because I never even came close to any vehicle. Driver of vehicle I allegedly hit comes out and begins accusing me of speeding away from the crash. The “witness” also begins to take down his information and comes to me asking for me for my information.
The “victim” paces around and comes back and tells me the damage isn’t bad. He says it shouldn’t be more than $500. At this point I knew what was going on…So I informed both him and his witness that I would phone the police & ICBC so we can get them involved as I had the entire bloody exchange on my dashcam. You should have seen how fast they left. Unfortunately didn’t capture their plates as my dashcam was pretty crappy.

#2 June 2018 Strawberry Hills parking lot, where I encounter someone that smacks the side of my vehicle and tells me I have hit them. It’s the old “money up front so I don’t report you to ICBC” scam. Again, I had to inform the jerkass that I had front/rear dashcam. Called the police to report the guy but he left. Still took the precaution of reporting to ICBC.

My buddy had it worse. Both times had letters provided from ICBC asking him to report in a claim he was allegedly involved with. Was assessed full responsibility for both incidents. He was able to despite one claim as he proved he was nowhere in the vicinity when the accident occurred. Other one was 50/50 despite not even being in his car when it was parked. Other party had a "witness." Good thing is that other claim was dropped as there was no costs incurred by the other party.

I may sound like a broken record but get a dashcam. Even a low res cheap one can help you out big time.

[WarrenC12]

Originally Posted by VarBreStr18

Thanks for your eyewitness account of yet another staged accident. I also own a dashcam , but dashcam only record what happens in the front. Does nothing to culprits that stage an accident at the rear. I read there are pretend victims who got hit when you are pulling out. Also in busy parking lots , there more more than one vehicle backing up at the same time. I still think have a partner (hopefully you have a passenger) to direct you until you are safely backed up gives added peace of mind.

I have a Blackvue 750, front and rear high-def camera. It's awesome.

[WarrenC12]

Originally Posted by logicbomb

I may sound like a broken record but get a dashcam. Even a low res cheap one can help you out big time.

Definitely. Got a good one with my new car. Thankfully I haven't had the incidents you describe, but I'm "prepared" at least. So far just some hilarious bad driving I've saved and chuckled at.

Edit: Also great if your camera witnesses some shadiness from another driver into a third party. I'd love to be able to help nail these fraudsters.

[VarBreStr18]

Originally Posted by WarrenC12

I have a Blackvue 750, front and rear high-def camera. It's awesome.

thanks WarrenC12, I check it out.

[misher]

I know there releasing cars with backup cameras, front cameras, and even surround view cameras.

Ever wonder why they don't include a recording system with the car? I assume it wouldn't be difficult to just have the cameras record the last 24 hours of footage while the car is on. And perhaps whenever the security system is triggered (such as when people back into the car).

Maybe a car manufacturer already has this and I'm just unaware of it.



Also would be nice if ICBC had its own program where drivers who install dash cameras get a discount. It could be a camera that ICBC approves and installs so its always on and the footage can't be edited.


PS: I think we should increase the insurance rates of hit and run drivers, drivers who are caught faking ICBC claims, etc. if this isn't already done.

[WarrenC12]

Originally Posted by misher

I know there releasing cars with backup cameras, front cameras, and even surround view cameras.

Ever wonder why they don't include a recording system with the car? I assume it wouldn't be difficult to just have the cameras record the last 24 hours of footage while the car is on. And perhaps whenever the security system is triggered (such as when people back into the car).

Maybe a car manufacturer already has this and I'm just unaware of it.

Tesla allows recording of the front car camera on to a USB drive after a recent software update.

I recommend dash cams to anybody, especially if you're investing in a new car.

I've heard that dashcam footage isn't always admissible into court for some dumb legal reasons, but really all it needs to do is scare these scam artists away. Kind of like when somebody claims police brutality, then clams up when some camera footage shows the whole story.

[logicbomb]

Rates set to go up another 6.3%

I have a 15 year clean driving record. Drive a 2010 Accord and will end up paying more than 2200 next year.

End this ****ing madness already. Best way to screw over ICBC is to get into a no-fault collision.

[WarrenC12]

Originally Posted by logicbomb

Rates set to go up another 6.3%

I have a 15 year clean driving record. Drive a 2010 Accord and will end up paying more than 2200 next year.

End this ****ing madness already. Best way to screw over ICBC is to get into a no-fault collision.

ICBC has requested 6.3% from BCUC. I'm betting they'll approve something a bit lower. Maybe around 5%.

[whatnext]

Originally Posted by WarrenC12

ICBC has requested 6.3% from BCUC. I'm betting they'll approve something a bit lower. Maybe around 5%.

Interesting. Did the NDP set aside the BC Liberal's proposed change to have luxury car drivers ($150k +) buy their own insurance? It mentions they will pay higher Basic plan premiums, but is optional coverage private?

Coverage for luxury vehicles
Certain luxury vehicles that are considered to be high-value vehicles are charged higher Basic Autoplan insurance premiums, as of January 8, 2017. Some luxury vehicles may also require an application to obtain own damage coverage, which includes Collision, Comprehensive, and Specified Perils coverage. Find out how to insure your luxury vehicle in B.C.

https://www.icbc.com/autoplan/option...ge.aspx?step=2

[whatnext]

Maybe an election is imminent after all. No wonder the ambulance-chasers have been running so many ads lately:

LIVE: B.C. to switch to no-fault auto insurance, trim rates 20 per cent in 2021
ROB SHAW Updated: February 6, 2020

VICTORIA – B.C. motorists are about to see a dramatic change to their auto insurance, as well as a 20 per cent cut to their premiums next year, under a new no-fault system announced by the B.C. government.

Premier John Horgan unveiled Thursday the largest reforms to auto insurance since the creation of the Insurance Corp. of B.C. more than four decades ago, as his government struggles to stop continuing financial losses at ICBC.

No-fault insurance will mean people involved in vehicle crashes can no longer sue each other for damages — except in cases involving court convictions for offences like negligence, street racing, impaired driving, as well as in cases of faulty manufacturing, botched repairs and the over-service of alcohol by a business.

Instead, people will receive benefits, payments for medical treatment and compensation directly from ICBC, using amounts set by the province depending on the type of injury.

“It’s time for change at ICBC,” said Horgan.

“A 20 per cent decrease in rates in the years ahead is a symbol to the people of British Columbia that we are going to wrestle this problem to the ground.”...

https://vancouversun.com/news/politi...r-cent-in-2021

[GreaterMontréal]

Great news for BC.

[misher]

Originally Posted by GreaterMontréal

Great news for BC.

They just lost a legal case for this. While I hope it succeeds (as it makes sense and saves a ton of money) its likely it won't. You can tell that they aren't sure either which is why they pushed the date until 2021, months before the election thus its unlikely the legal case will finish before they are re-elected.

[stump]

Good thing my insurance has gone up between 30-40% over the last 3 years despite same car, same commute, no accidents, same residence, not in a high risk age bracket but thanks I guess.

[GreaterMontréal]

Originally Posted by stump

Good thing my insurance has gone up between 30-40% over the last 3 years despite same car, same commute, no accidents, same residence, not in a high risk age bracket but thanks I guess.

Insurance is going up everywhere in Canada. Global warming is one of the causes. Cars and houses are also more expensive nowadays. There are more natural disaster and they are costlier.

[s211]

Originally Posted by whatnext

“A 20 per cent decrease in rates in the years ahead is a symbol to the people of British Columbia that we are going to wrestle this problem to the ground.”...[/I]

https://vancouversun.com/news/politi...r-cent-in-2021

Talk to me when the reduction is 50% because that's the difference between what I and my other colleagues were paying in Alberta before moving here.

[misher]

Originally Posted by misher

They just lost a legal case for this. While I hope it succeeds (as it makes sense and saves a ton of money) its likely it won't. You can tell that they aren't sure either which is why they pushed the date until 2021, months before the election thus its unlikely the legal case will finish before they are re-elected.

The Trial Lawyers Association responded on social media by saying that the change puts the rights of injured and vulnerable British Columbians “at grave risk.”

Eliminating costly legal fees is key to driving down the premiums, said Eby, though he acknowledged the change will be aggressively challenged by trial lawyers.

The only time an injured person will still be able to sue for compensation under the new no-fault model will be if the at-fault driver is convicted of intoxication, dangerous driving or other criminal negligence.

Disputes on settlements will be handled by the civil resolution tribunal, a retooled ICBC fairness commissioner and the provincial ombudsperson, though drivers can also go to court for a judicial review of decisions.

Although the system is called no-fault insurance, government officials who briefed the media Thursday said ICBC will continue to determine fault in crashes for the purpose of penalizing the at-fault driver with higher insurance premiums based on their crash history. However, everyone involved in a crash, regardless of fault, will have access to the same medical benefits — which for an at-fault driver means new care for things like permanent impairment.

The CRT already has a large backlog, far larger than its requirements say its supposed to have. Strata got added on without the additional funding to handle it. I assume there must be a massive increase in CRT funding coming. BC lost the original case because of the below...I'm not sure if our legal system will allow us to shift our claim process from the courts to the CRT/government.

“The impugned rule places the court in a role that it should not be placed in,” he wrote. “Transferring the responsibility of ensuring that there is relevant evidence upon which to decide the issues in a personal injury case from the parties to the court does, in my view, intrude upon what has, to date, been the core function of the court: to decide a case fairly upon the evidence adduced by the parties.”

https://vancouversun.com/news/politi...-in-icbc-cases

[WarrenC12]

Originally Posted by misher

They just lost a legal case for this. While I hope it succeeds (as it makes sense and saves a ton of money) its likely it won't. You can tell that they aren't sure either which is why they pushed the date until 2021, months before the election thus its unlikely the legal case will finish before they are re-elected.

No they didn't. Stop lying.

No fault insurance is the norm across the majority of Canada.

[whatnext]

Originally Posted by s211

Talk to me when the reduction is 50% because that's the difference between what I and my other colleagues were paying in Alberta before moving here.

Consider it a premium for being fortunate enough to not be living in Alberta.

[chowhou]

Originally Posted by whatnext

Consider it a premium for being fortunate enough to not be living in Alberta.

Maybe BC motor insurance is higher because our roads aren't perfectly straight

[misher]

Originally Posted by WarrenC12

No they didn't. Stop lying.

No fault insurance is the norm across the majority of Canada.

I provided quotes....and said "I'm not sure". Where did I lie? Please apologize if you don't have any evidence.

And why would they time this so that the legal case won't be resolved before the election instead of implementing it this year? I suspect they aren't sure it will hold up.

Originally Posted by chowhou

Maybe BC motor insurance is higher because our roads aren't perfectly straight

Yeah whats up with Manning Park, its like a big loop around the straight route you want to take. Imagine if we could just go straight from Hope to Princeton. How drunk was the guy that designed this.



Someone did not use a ruler when designing our highway system.