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Old 07-16-2014, 12:41 AM   #1
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BC accidents down 28%, ICBC wants to raise insurance rate by 26%

WATCH: Why are insurance rates going up when the number of crashes on provincial highways is down?

Watch Video: WATCH: Why are insurance rates going up when the number of crashes on provincial highways is down? - BC | Globalnews.ca

By Ted Chernecki Global News

Buried in Wednesday’s announcement of speed limits going up on some of British Columbia’s highways was an important statistic showing the number of serious crashes on provincial highways has decreased by 28 per cent since 2003.

ICBC rates over that same period have climbed significantly with mandatory basic coverage going up by almost 26 per cent.

That has some critics wondering why insurance rates have continued to rise.

In response, ICBC has issued a statement to Global News saying its rates are driven by the cost of claims, which are increasing every year, particularly our injury claims costs.

Meanwhile, ICBC is forecast to hand over $480 million to the provincial government as general revenue over the next three years.

“ICBC is being used as cash cow by the government,” says NDP finance critic Mike Farnworth. “We see it in budget after budget. We also see requests for rate increases each year.”

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Old 07-16-2014, 01:23 AM   #2
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Didn't they just increase the insurance rate like 7% last year?
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Old 07-16-2014, 01:26 AM   #3
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I'm not sure if I'll still remember by the time it's Thanksgiving in 3 months. So I'll say it now.
THANK YOU Timpo, for starting a decent thread for once.
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Old 07-16-2014, 01:50 AM   #4
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I'm not sure if I'll still remember by the time it's Thanksgiving in 3 months. So I'll say it now.
THANK YOU Timpo, for starting a decent thread for once.
I always only start decent threads...
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Old 07-16-2014, 02:30 AM   #5
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Isn't the whole point of ICBC is to have affordable insurance rates for British Colombian's.

If there showing a surplus of $160,000,000 annually, shouldn't that money to refunded to the B.C. tax payers?
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Old 07-16-2014, 03:54 AM   #6
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Tax the lambo, r8 drivers, they drive the insurance cost up
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Old 07-16-2014, 03:56 AM   #7
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Tax the lambo, r8 drivers, they drive the insurance cost up


Y u no include GTR

Spoiler!
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Old 07-16-2014, 04:49 AM   #8
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Isn't the whole point of ICBC is to have affordable insurance rates for British Colombian's.

If there showing a surplus of $160,000,000 annually, shouldn't that money to refunded to the B.C. tax payers?
hahaha good joke.
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Old 07-16-2014, 05:34 AM   #9
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Think ICBC's bad?

You guys should really move over to Ontario.
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Old 07-16-2014, 05:51 AM   #10
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All you need to know is in ICBC's release. It's not the number of claims, it's the cost of each claim. And injury claim costs are going up.

You want to blame someone? Do any of you know somebody who had a minor rear end accident, went after ICBC and got a nice payout (10's of thousands of dollars) because they had a sore neck for a couple days? People seem to think getting rear ended is like winning the lottery. Find the right doctor/lawyer and it's payday.

Soft tissue injuries (like whiplash) account for almost 50% of ICBC's total costs.

Or another way to look at it: almost 50% of your insurance premiums are going to people who make these claims.
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Old 07-16-2014, 06:04 AM   #11
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i wouldn't be surprised if certain dr's could be bought. either through family friends or just friends of friends. offer a payout to the dr., and have him go along with your reoccurring pain etc. they do it with prescription pain killers like oxycontin

time to go buy a moped....or a bicycle so i can cruise down royal oak or canada way and petition for new bike lanes.
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Old 07-16-2014, 11:24 AM   #12
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Originally Posted by FS1992EG View Post
Isn't the whole point of ICBC is to have affordable insurance rates for British Colombian's.

If there showing a surplus of $160,000,000 annually, shouldn't that money to refunded to the B.C. tax payers?
4.61 million (Jan 1, 2014)
British Columbia, Population

lol.

3.47million bucks each person eh?

I like that idea. HAH....

edit: i need a new calculator that goes up to 9 digits.

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Old 07-16-2014, 11:28 AM   #13
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4.61 million (Jan 1, 2014)
British Columbia, Population

lol.

3.47million bucks each person eh?

I like that idea. HAH....
You mean $34 each person?
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Old 07-16-2014, 11:38 AM   #14
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Tax the lambo, r8 drivers, they drive the insurance cost up
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Old 07-16-2014, 11:55 AM   #15
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Tax the lambo, r8 drivers, they drive the insurance cost up
I think you mean BMW X5, Lexus RX, and Benz ML drivers.

And not to mention gold-coloured Corollas.
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Old 07-16-2014, 11:58 AM   #16
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4.61 million (Jan 1, 2014)
British Columbia, Population

lol.

3.47million bucks each person eh?

I like that idea. HAH....
Something doesn't add up here...

In all seriousness Dangonay hit the nail right on the head.

The number of people trying to scam the system by claiming frivolous injury claims is absolutely ridiculous.

This is what I posted in another thread (semi related to the same topic):

Quote:
I swear people seem to forget that the point of lawsuits is to get fair compensation for loss of income, or damages that you incurred. The point was never to "Strike it rich".

People seem to have this romanticized idea that they can strike it rich by suing people. This is the absolute wrong mentality, it is SUPER rare that the courts award punitive damages to someone, but people seem to think that its common place because the media only reports the rare instances where it does happen.

Same thing with the fuckers who rape insurance claims for bullshit injuries. ICBC has caught onto this one, they don't base your monetary compensation based on anything you say any longer. They now base it on the damage to the car. Their not stupid they know if you got rear ended at 20, realistically there isn't anything wrong with you.
The above was related to that frankly ridiculous thread on some dudes GF slipping on a grape and suing the store.

Like I said there your claim is supposed to compensate you for money that you actually lost due to injury. That means that if you had to stay home from work, or were stuck in bed. Other than that if your neck is a little sore and you can still go to work without problem, then you really should just suck it up.
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Old 07-16-2014, 12:01 PM   #17
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All you need to know is in ICBC's release. It's not the number of claims, it's the cost of each claim.
Ding ding ding. They also seem to be more eager to write cars off now than before, but that could just be me.
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Old 07-16-2014, 12:06 PM   #18
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All you need to know is in ICBC's release. It's not the number of claims, it's the cost of each claim. And injury claim costs are going up.

You want to blame someone? Do any of you know somebody who had a minor rear end accident, went after ICBC and got a nice payout (10's of thousands of dollars) because they had a sore neck for a couple days? People seem to think getting rear ended is like winning the lottery. Find the right doctor/lawyer and it's payday.

Soft tissue injuries (like whiplash) account for almost 50% of ICBC's total costs.

Or another way to look at it: almost 50% of your insurance premiums are going to people who make these claims.



This.

I remember i rear ended some dumb bitch a few years ago. It was my mom's tiny Tercel rear ending an EG civic sedan. I wouldn't even call it rear end. I just let go of the accelerator for a few seconds while reaching for something and the car rolled forward very slightly and tapped hers. We both got out, asked if either was alright, exchanged info, figured there was no damage done. Both of us filed a claim anyway. Adjuster looks at my car and hers and tells me that it doesn't look like anything happened to either cars but we'll wait and see. I find out later on that that dumb fucking cunt faced waste of life whore bitch apparently decided to lawyer up, fake injury and get a $20k+ payout. Drove my premiums pretty high. I wish there were dashcams then.
And I hope that that cunt-faced bitch developed a cocaine and heroin habit and is sucking dicks for a nickel in the DTES. Or she's dead.
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Old 07-16-2014, 12:12 PM   #19
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They also seem to be more eager to write cars off now than before, but that could just be me.
I think that might just be due to the fact that cars are built more like disposable razors now, then they were many years ago.

I mean back in the day when your alternator failed you would go to a specialist and he would rebuild it and toss it back in for you. Now though, every single shop will just buy a new one, and send the old one in as a core exchange.

I wanted the alternator in my truck rebuilt, and I swear it took me a month before I found some guy at like clark and venables in Van that would actually rebuild the thing...
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Old 07-16-2014, 12:19 PM   #20
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^ potentially, although I've seen them write off an MR2 because the front and rear window were broken.

Completely off topic but I got lucky, since my alternator is apparently very uncommon I was told right away where I could go to get it rebuilt.
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Old 07-16-2014, 01:23 PM   #21
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This.

I remember i rear ended some dumb bitch a few years ago. It was my mom's tiny Tercel rear ending an EG civic sedan. I wouldn't even call it rear end. I just let go of the accelerator for a few seconds while reaching for something and the car rolled forward very slightly and tapped hers. We both got out, asked if either was alright, exchanged info, figured there was no damage done. Both of us filed a claim anyway. Adjuster looks at my car and hers and tells me that it doesn't look like anything happened to either cars but we'll wait and see. I find out later on that that dumb fucking cunt faced waste of life whore bitch apparently decided to lawyer up, fake injury and get a $20k+ payout. Drove my premiums pretty high. I wish there were dashcams then.
And I hope that that cunt-faced bitch developed a cocaine and heroin habit and is sucking dicks for a nickel in the DTES. Or she's dead.
Same thing happened to my wife, she hit someone from behind going about 5kph, put 2 little license plate marks in the guys cover, her civic hb had 0 damage. Guy gets out saying his neck blah blah blah. She phones ICBC insists they take pictures of her car. She gets no claim sheet cause she has no damage. Then she phones ICBC 4 months later to check the status of the other insured car so she can pay back the damage. He hasnt reported yet 6 months after the accident he gets his car fixed and puts in an injury claim. $432 to fix and repair his car but my wife cant pay it out because he has injury claim going. She gets served with papers about a year later from his lawyer. Has his name, address, plate number are on the papers
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Old 07-16-2014, 01:34 PM   #22
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You mean $34 each person?
sorry i just realised my calculator only goes up to 8 digits. hahahahahaha
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Old 07-16-2014, 01:36 PM   #23
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Same thing happened to my wife, she hit someone from behind going about 5kph, put 2 little license plate marks in the guys cover, her civic hb had 0 damage. Guy gets out saying his neck blah blah blah. She phones ICBC insists they take pictures of her car. She gets no claim sheet cause she has no damage. Then she phones ICBC 4 months later to check the status of the other insured car so she can pay back the damage. He hasnt reported yet 6 months after the accident he gets his car fixed and puts in an injury claim. $432 to fix and repair his car but my wife cant pay it out because he has injury claim going. She gets served with papers about a year later from his lawyer. Has his name, address, plate number are on the papers
why would his lawyer send papers to her instead of ICBC?
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Old 07-16-2014, 02:45 PM   #24
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why would his lawyer send papers to her instead of ICBC?
Because the insured is not suing ICBC they are suing my wife.
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Old 07-16-2014, 03:01 PM   #25
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Because the insured is not suing ICBC they are suing my wife.
I thought they can't sue your wife directly since she is covered by ICBC or the insurance company you guys are using?
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