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12-16-2015, 12:04 AM
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#1 | | RS Lurker, I don't post!
Join Date: Dec 2011 Location: Vancouver
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| ICBC Question (Premium risk)
Hi everyone,
last year i was caught excessive speed twice in a month....
First time was 7 days impound then second time was 30 days...
I disputed both of the tickets
Now the nightmare is here,
I just received a letter to go to court next month, along with letters from ICBC about Driver Risk Premiums
I am going to pay the Driver Risk Premiums ( $370) for the next 3 years. A good birthday present from ICBC...
i also received a letter about renewing my insurance and being $7K for 1 year...
was wondering, if i pay for my ticket and along with the 3 year driver risk premium, but i do not renew my car insurance. can i still drive and insure the car on a family member's name? and wait it out for the surcharge to go down each year?
Or something like getting an ON driver license or something..
My point is i want to drive but don't wanna pay the high insurance.
Seeking useful info my friends.
Cheers
Thanks for y'all time.
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12-16-2015, 12:14 AM
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#2 | | My homepage has been set to RS
Join Date: Jun 2005 Location: Canada
Posts: 2,327
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......you broke the law....got caught....
It's an expensive lesson. .
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12-16-2015, 12:15 AM
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#3 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Feb 2014 Location: Vancouver
Posts: 165
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Better put your flame suit on.....
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12-16-2015, 01:54 AM
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#4 | | Need to Seek Professional Help
Join Date: Jan 2010
Posts: 1,024
Thanked 1,161 Times in 301 Posts
| Quote:
Originally Posted by FireBunny  if i pay for my ticket and along with the 3 year driver risk premium, but i do not renew my car insurance. can i still drive and insure the car on a family member's name? and wait it out for the surcharge to go down each year?
Or something like getting an ON driver license or something..
My point is i want to drive but don't wanna pay the high insurance.
. |  I'll entertain you since anything beats studying
Yes you can still drive if you're insured under someone else's name. But if something happens icbc can and will find out you are the principal operator and you're defrauding them, you will dig yourself in a deeper hole when they don't cover you
Are you Chinese? You're better off getting a fake China license and transfering here than using a ON license
Point is don't try either. If you're too cheap to pay for the surcharge, you're probably not in a good position to pay for damages out of pocket should you get in any accidents | |
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12-16-2015, 02:09 AM
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#5 | | Marcosexual Fan Club, CEO
Join Date: Jun 2005 Location: US Bush-country
Posts: 7,741
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Am I missing something? Why would your premiums go up if you had a few violation tickets?
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Poor is the man whose pleasures depend on the permission of another.
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12-16-2015, 02:49 AM
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#6 | | Need to Seek Professional Help
Join Date: Oct 2006 Location: Victoria
Posts: 1,028
Thanked 436 Times in 92 Posts
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Why even have this forum if the only thing people will do is flame and fail posts. I've been a member for a long time now and I hate seeing this.
To answer your question yes you can.
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12-16-2015, 03:00 AM
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#7 | | RS controls my life!
Join Date: Oct 2005 Location: Burnaby
Posts: 750
Thanked 308 Times in 88 Posts
| Quote:
Originally Posted by Eastwood Why even have this forum if the only thing people will do is flame and fail posts. I've been a member for a long time now and I hate seeing this.
To answer your question yes you can. | this is such an ambiguous answer to a bunch of questions op asked...
you can transfer the vehicle to someone else and then drive it but if you get into an accident and icbc finds out you are the principle operator you may not be covered.
and no you can not avoid icbc surcharges. they will stay under your name and then apply to the next vehicle you put under your name. even ten years down the road.
clearly you're going to get fucked. if you can't afford the rates get a different vehicle. go out and buy a 1-2k daily beater. only apply basic coverage, no comprehensive. that way you'll only be paying a surcharge on a much lower base rate. (but you'll be driving a beater)
also you used to be able to do the following since icbc surcharges are only applied to one vehicle. you used to be able to have a shit box with cheap insurance and an nice car with full comprehensive. if you make sure to insure the shit box first the surcharge will apply to that vehicle automatically. then right after you could insure your other vehicle at your normal rate. but i don't know if that's still a loophole.
Last edited by jackal; 12-16-2015 at 03:07 AM.
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12-16-2015, 05:12 AM
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#8 | | Need my Daily Fix of RS
Join Date: Apr 2013
Posts: 281
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Tonight on Revscene legal advise. Man runs over two kids while speeding. Kills one and seriously injures the other. Lets go to the forums to see if it's possible to get away with it.
Every god damn week some idiot starts a post here owning up to the fact that they broke a law, got caught red handed and wants to know how to get out of it. Own up to you're fuck ups. Play stupid games win stupid prizes. Stop coming on here whining like a bunch of fucking babies and just pay your fines. /rant
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12-16-2015, 06:23 AM
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#9 | | I don't get it
Join Date: Jun 2012 Location: Burnaby
Posts: 421
Thanked 317 Times in 120 Posts
| Quote:
Originally Posted by Marco911 Am I missing something? Why would your premiums go up if you had a few violation tickets? | Excessive speeding ticket with impoundment usually comes with a risky/dangerous driver premium for 3 years. We're not talking about 10 over the limit, it's usually 30 and up.
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12-16-2015, 06:47 AM
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#10 | | Wunder? Wonder?? Wander???
Join Date: Nov 2013 Location: Burnaby
Posts: 200
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Here is a tip: pay the damn fine, pay the damn insurance under your name. Learn your lesson for not excessive speeding before you crash into someone and ended up pay way more. Or worst ended up in jail for killing someone by crashing into them.
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12-16-2015, 07:17 AM
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#11 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,260
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| Quote:
Originally Posted by FireBunny last year i was caught excessive speed twice in a month....
First time was 7 days impound then second time was 30 days...
I disputed both of the tickets | Stop driving like a cunt and stop wasting the courts time you fucking walnut. Since you clearly haven't learned a damn thing there's no point trying to help you, so I may as well just tell you to go fuck yourself.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
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Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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12-16-2015, 08:04 AM
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#12 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
Posts: 21,871
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| Quote:
Originally Posted by Eastwood Why even have this forum if the only thing people will do is flame and fail posts. I've been a member for a long time now and I hate seeing this.
To answer your question yes you can. | Why?
If one of my close friends was in the same situation as the OP, first thing I'd tell him is that he's a fucking idiot.
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fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
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when I was 13 I wanted to be a video hoe so bad RSUV #7 | |
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12-16-2015, 08:52 AM
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#13 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,735
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| Quote:
Originally Posted by Galactic_Phantom Are you Chinese? | lol
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12-16-2015, 09:35 AM
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#14 | | Even when im right, revscene.net is still right!
Join Date: Feb 2005 Location: VEGAS
Posts: 1,387
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im curious. how fast were you going? and what was the speed limit?
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12-16-2015, 11:05 AM
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#15 | | 14 dolla balla aint got nothing on me!
Join Date: May 2013 Location: Richmond
Posts: 619
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Don't you have to have 10 years driving experience or something like that before insurance covers you if your not the primary driver of the vehicle? I'm pretty sure my insurance provider said something along those lines when I went to renew last week
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12-16-2015, 11:31 AM
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#16 | | My dinner reheated before my turbo spooled
Join Date: Dec 2003 Location: Peace River, AB
Posts: 1,778
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Yeah... you're screwed man. Don't drive like an idiot.
It is in your rights to show up for your court hearing and submit your not-guilty plead.
You cannot legally escape the Driver Risk Premiums and insurance premium increase. Your best bet is to now purchase a rust bucket and get a very basic insurance premium to work off your years of increase payments.
The other illegal way is to get someone else to pay for the insurance. However, if you have an at fault accident, and if ICBC deem that you are the principle operator, they will denied your claim. You will then need to pay the damages to the other party. A simple fender-bender could be worth 3k. A car write-off (depending on the car) is 30k. If someone is hurt, you're in a world of hurt, 100k and up.
Just man-up, and pay up. Laws are setup for a reason; if you break them, be ready to face the consequences.
__________________ Quote: Unknown
"If someone has to pass you on the right, you are in the wrong lane." | | |
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12-16-2015, 11:58 AM
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#17 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jan 2004 Location: Van/Bur
Posts: 5,019
Thanked 1,557 Times in 511 Posts
| Quote:
Originally Posted by FireBunny Hi everyone,
last year i was caught excessive speed twice in a month....
First time was 7 days impound then second time was 30 days...
I disputed both of the tickets
Now the nightmare is here,
I just received a letter to go to court next month, along with letters from ICBC about Driver Risk Premiums
I am going to pay the Driver Risk Premiums ( $370) for the next 3 years. A good birthday present from ICBC...
i also received a letter about renewing my insurance and being $7K for 1 year...
was wondering, if i pay for my ticket and along with the 3 year driver risk premium, but i do not renew my car insurance. can i still drive and insure the car on a family member's name? and wait it out for the surcharge to go down each year?
Or something like getting an ON driver license or something..
My point is i want to drive but don't wanna pay the high insurance.
Seeking useful info my friends.
Cheers
Thanks for y'all time. | Drive a bike, no insurance needed. Bike lanes everywhere!!! Chicks dig bikes.. You can show off by going as fast as you want.
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12-16-2015, 12:08 PM
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#18 | | I told him no, what y'all do?
Join Date: Aug 2006 Location: Vancouver
Posts: 9,837
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| Quote:
Originally Posted by kr4l Don't you have to have 10 years driving experience or something like that before insurance covers you if your not the primary driver of the vehicle? I'm pretty sure my insurance provider said something along those lines when I went to renew last week | i think that only applies if the primary insurer has the experienced driver discount i.e. the primary driver has over 10 years exp and applies for the discount, under the stipulation that everyone in the same household that drives that car also has 10 years exp.
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http://www.revscene.net/forums/showthread.php?t=611711 Quote: Greenstoner
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12-16-2015, 12:11 PM
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#19 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
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Not OP's fault VTEC kicked in, yo
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12-16-2015, 12:17 PM
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#20 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
| Quote:
Originally Posted by Marco911 Am I missing something? Why would your premiums go up if you had a few violation tickets? | Google is your friend... Driver Risk Premium
2 excessive speeding tickets will result in $370 risk premium for next 3 years ($1,110) on top of your ticket.
$1,110 + excessive speeding ticket price = $ you have to pay
So if you get two $368(excessive speeding tickets)
$1,110 + ($368x2) = $1,864
If you go 60km/h or more over the limit, the price will be $483
which is $1,110 + ($483x2) = $2,076
so the grand total could be $2,076 Fines & points for B.C. traffic offences | |
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12-16-2015, 12:25 PM
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#21 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
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Originally Posted by jackal and no you can not avoid icbc surcharges. they will stay under your name and then apply to the next vehicle you put under your name. even ten years down the road. | This is not entirely true. You CAN reduce your ICBC point surcharges.
You will have to go to ICBC and turn your license in. (Give up your license)
"Reducing your Driver Penalty Point premium"
ICBC: Driver Penalty Point Premium Options for reducing your driver penalty point premium
You have two options to reduce the cost of your driver penalty point (DPP) premium:
1. If you give up your driver's licence for one year from your birthday, your DPP premium can be eliminated.
2. If you give up your licence for at least 30 days during your billing period, your DPP premium could be reduced.
Premium reductions are also available to drivers who have been prohibited, suspended or who are off the road for certain other reasons. Remember that there are fees to re-instate your licence. How to get your premium reduced
1. Go to a driver licensing office to turn in your licence.
2. When your time without a licence (minimum 30 days) has passed, call ICBC to find out how much you now owe.
3. Pick up your re-issued licence from your driver licensing office.
4. Pay what is owed on your DPP premium and your fee. Suspended and prohibited drivers
If you have been suspended or prohibited from driving for 60 days or more, you’re eligible for a DPP premium reduction. These 60 days must have been completed within the billing period.
To get your premium reduced:
1. Call ICBC when your suspension ends to find out how much you now owe.
2. Re-instate your licence by attending one of our driver licensing offices.
3. Pay what is owed on your DPP premium as well as the re-instatement fee and licence fee. Have you been out of B.C. or off the road?
A DPP premium reduction is also available if, for 30 days during your billing period, you were:
-living in another province and held a driver's licence from there
-staying in a country other than Canada or the U.S.
-incarcerated, or
-not operating a vehicle for medical reasons.
To be eligible, you need documentation showing that one of these conditions applies to you.
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12-16-2015, 12:35 PM
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#22 | | Zombie Mod
Join Date: Aug 2003 Location: Langley
Posts: 9,882
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Originally Posted by FireBunny I am going to pay the Driver Risk Premiums ( $370) for the next 3 years. A good birthday present from ICBC...
i also received a letter about renewing my insurance and being $7K for 1 year... | $7K for insurance for the year? If so, there's probably more you're not telling us. What level are you at on the CRS ( Claim Rated Scale). Are you at level 10, or did you manage to crank it up to 11?
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12-16-2015, 12:37 PM
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#23 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
| Quote:
Originally Posted by FireBunny was wondering, if i pay for my ticket and along with the 3 year driver risk premium, but i do not renew my car insurance. can i still drive and insure the car on a family member's name? and wait it out for the surcharge to go down each year?
Or something like getting an ON driver license or something.. | I wouldn't do it, if you drive a vehicle with BC license plate with Ontario drivers' license.. You will be really picking police officers' nerves even at road block or random traffic stops. Be prepared to answer very tough questions. I heard people try this sort of stuff all the time and do not quite succeed.
As far as principal operator goes, Google is your friend... Is Your Teen the Principal Operator of a Family Car? | Slater Vecchio Connected Principal Operator Breach - ICBC Advice Guide - Mussio Goodman
Last edited by Timpo; 12-16-2015 at 04:33 PM.
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12-16-2015, 12:44 PM
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#24 | | nuggets mod
Join Date: Feb 2002 Location: richmond
Posts: 7,051
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In general, breaking more laws to get you out of the previously broken laws is a bad idea..
As people have stated, as opposed to fraud, your best bet is get a $1000 car, and pay the basic premium only. There's no way that it'll be 7k at that point and you can drive all you want. However, I'm still confused about why it's 7K to begin with.. Your premium is based on your position on the CRS. You only move up the CRS ( AFAIK) if you have an at fault accident and let ICBC pay for it.
To get to 7K, there must be other penalties/fees added in.. and if thats the case, insuring a $1000 car won't help you.
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12-16-2015, 12:48 PM
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#25 | | My homepage has been set to RS
Join Date: May 2005 Location: #604
Posts: 2,267
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To answer your insurance question:
Your rate has gone through the roof because you received 2 excessive speeding tickets within a short amount of time.
ICBC has now deemed you a serious risk to other drivers, thus they increase your insurance on the assumption that you will cause an accident/serious accident.
They use forethought, and they don't need to justify it.
Welcome to life, you tested it and it decided to kick you in the nuts for being an idiot. 
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