REVscene - Vancouver Automotive Forum


Welcome to the REVscene Automotive Forum forums.

Registration is Free!You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today! The banners on the left side and below do not show for registered users!

If you have any problems with the registration process or your account login, please contact contact us.


Go Back   REVscene Automotive Forum > Automotive Chat > Vancouver Auto Chat

Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

Reply
 
Thread Tools
Old 01-22-2012, 01:49 AM   #1
NOOB, Not Quite a Regular!
 
Join Date: Feb 2011
Location: Vancouver
Posts: 46
Thanked 62 Times in 12 Posts
ICBC CRS - Another person driving

Hey guys,

Just had a question about ICBC's Claim rate scale...

My son driving my car for the day was involved in a at fault crash, in a 100% at fault crash, which side's CRS is affected? The driver driving the car (son), or the person registered on the car (me)?

I know from previous experience (like 10 years ago) before that it's usually the person registered on the car. But recently I've heard (from friends at least) that both sides are affected.

Also...does one have to have a vehicle registered under their name in order for CRS to go back from surcharge to discount level?

Thanks!
Advertisement

Last edited by davidw1234; 01-22-2012 at 02:13 AM.
davidw1234 is offline   Reply With Quote
Old 01-22-2012, 02:33 AM   #2
I answer every Emotion with an emoticon
 
TRDood's Avatar
 
Join Date: Jul 2006
Location: V
Posts: 7,849
Thanked 656 Times in 326 Posts
The driver would have their CRS affected. Unless the driver choose not to have an insurance policy upon renewal, then it would be the registered owner who is next up.
TRDood is offline   Reply With Quote
This post thanked by:
Old 01-22-2012, 02:58 AM   #3
NOOB, Not Quite a Regular!
 
Join Date: Feb 2011
Location: Vancouver
Posts: 46
Thanked 62 Times in 12 Posts
Quote:
Originally Posted by TRDood View Post
The driver would have their CRS affected. Unless the driver choose not to have an insurance policy upon renewal, then it would be the registered owner who is next up.
Thanks for the reply. So if the driver chooses not to have an insurance policy, only the owner gets affected? not the driver anymore? (even if the driver chooses to register another car in the future)

or would both be affected under that circumstance? (a CRS on the owner because the driver chose not to have an insurance policy, and also a CRS on the driver for future insurance policies)

Sorry for the questions just needed some clarification.

Last edited by davidw1234; 01-22-2012 at 03:09 AM.
davidw1234 is offline   Reply With Quote
Old 01-22-2012, 03:12 AM   #4
I answer every Emotion with an emoticon
 
TRDood's Avatar
 
Join Date: Jul 2006
Location: V
Posts: 7,849
Thanked 656 Times in 326 Posts
Think about it as an escalating matter.

Step 1 - At fault driver
Step 2 - At fault owner

If ICBC cannot collect extra premium from 1, then ICBC will catch 2. But they will always try to get 1 first at every renewal opportunity.

If I understand your question correctly, the owner will get affected if the at fault driver does not have an ongoing policy. When or once the at-fault driver chooses to purchase a new policy for any vehicle, the accident previously will affect the driver's CRS, and no longer on the owner.
TRDood is offline   Reply With Quote
This post thanked by:
Old 01-22-2012, 03:34 AM   #5
NOOB, Not Quite a Regular!
 
Join Date: Feb 2011
Location: Vancouver
Posts: 46
Thanked 62 Times in 12 Posts
Thanks for your help TRDood!

Cheers!
davidw1234 is offline   Reply With Quote
Old 01-22-2012, 06:27 AM   #6
I answer every Emotion with an emoticon
 
FerrariEnzo's Avatar
 
Join Date: Feb 2005
Location: somewhere
Posts: 7,890
Thanked 2,484 Times in 1,006 Posts
so if your son wasnt listed as one of the vehicle operator, you would get ding for the rate scale.
if he was, he can take the hit and remove his name from the list of operator so you wont have to pay higher premium for a few years til it goes back down
__________________
My Buy&Sell Feedback, Thanx
FerrariEnzo is offline   Reply With Quote
Old 01-22-2012, 07:48 AM   #7
Rs has made me the woman i am today!
 
Join Date: Mar 2004
Location: Vancouver
Posts: 4,310
Thanked 580 Times in 230 Posts
How they stop scammers like you from having your son drive under your cheaper discounted insurance is the newish clause " drivers must have 10 years of experience driving" if picked that to save a couple bucks and your son which probally doesn't have 10 years experience your kinda fucked.
Death2Theft is offline   Reply With Quote
This post FAILED by:
Old 01-22-2012, 08:24 AM   #8
Rs has made me the man i am today!
 
optiblue's Avatar
 
Join Date: Feb 2002
Location: Burnaby
Posts: 3,191
Thanked 274 Times in 135 Posts
Unless the son lives away from home since its only within the same household. In reality, if the accident wasn't too bad, just cash deal it!
Posted via RS Mobile
optiblue is offline   Reply With Quote
Old 01-22-2012, 04:43 PM   #9
NOOB, Not Quite a Regular!
 
Join Date: Feb 2011
Location: Vancouver
Posts: 46
Thanked 62 Times in 12 Posts
Quote:
Originally Posted by Death2Theft View Post
How they stop scammers like you from having your son drive under your cheaper discounted insurance is the newish clause " drivers must have 10 years of experience driving" if picked that to save a couple bucks and your son which probally doesn't have 10 years experience your kinda fucked.
lol yes suddenly I'm a scammer for letting him drive 1 day to a birthday party out of the whole insurance year. I don't put 10 years of experience driving on the insurance because my wife isn't.


To others: thank you for the replies and answers.
davidw1234 is offline   Reply With Quote
Old 01-23-2012, 10:45 AM   #10
Rs has made me the woman i am today!
 
Join Date: Mar 2004
Location: Vancouver
Posts: 4,310
Thanked 580 Times in 230 Posts
Then you shouldn't have any problems.
Death2Theft is offline   Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off



All times are GMT -8. The time now is 04:45 AM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
SEO by vBSEO ©2011, Crawlability, Inc.
Revscene.net cannot be held accountable for the actions of its members nor does the opinions of the members represent that of Revscene.net