| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
 | | 
06-16-2012, 10:19 AM
|
#1 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
| insurance question! please help
So I backed into someone yesterday, and the damage isn't very much, but we exchanged information anyhow. We had agreed that it isn't necessary to claim through icbc, and I didn't want it to affect my insurance anyhow. But he had texted me and sort of threatened that I shouldn't claim it because it'd look poorly on my part. So I thought about it: he hadn't been able to produce a valid bc driver's license. All he had was his taiwanese drivers license, is it possible that he might have his license suspended and just shown me some old insurance papers that had a bc drivers license registered to it?
What would happen if he is actually suspended? Would his insurance be active although his driver's license is not? If we were to claim through icbc, what would happen?
| 
|  | |
06-16-2012, 10:22 AM
|
#2 | | RS controls my life!
Join Date: Mar 2012
Posts: 768
Thanked 562 Times in 245 Posts
|
Just make a claim for your own safety. You can always opt to pay for damage with cash if you dont want it to affect your insurance
| |
| | |
06-16-2012, 10:27 AM
|
#3 | | Need to Seek Professional Help
Join Date: Mar 2009 Location: H2K
Posts: 1,002
Thanked 290 Times in 100 Posts
| Quote:
Originally Posted by Taxmonkey  So I backed into someone yesterday, and the damage isn't very much, but we exchanged information anyhow. We had agreed that it isn't necessary to claim through icbc, and I didn't want it to affect my insurance anyhow. But he had texted me and sort of threatened that I shouldn't claim it because it'd look poorly on my part. So I thought about it: he hadn't been able to produce a valid bc driver's license. All he had was his taiwanese drivers license, is it possible that he might have his license suspended and just shown me some old insurance papers that had a bc drivers license registered to it?
What would happen if he is actually suspended? Would his insurance be active although his driver's license is not? If we were to claim through icbc, what would happen? | He's hiding something, claim it.  | |
| | |
06-16-2012, 10:35 AM
|
#4 | | Where's my RS Christmas Lobster?!
Join Date: Feb 2012 Location: Richmond
Posts: 1,116
Thanked 903 Times in 285 Posts
|
shady mother fucker, claim! if affects then opt for cash
| |
| | |
06-16-2012, 10:35 AM
|
#5 | | :: Sells McLarens, Not tofu :okay: ::
Join Date: Aug 2007 Location: vancouver
Posts: 10,740
Thanked 11,815 Times in 3,329 Posts
|
on the safe side, make a claim file at icbc regardless to cover your own ass.
at least you have claimed it and not be suddenly accused of hit and run!
__________________
19' Audi TT-RS S tronic w/ RS sport - Glacier White
13' Nissan DBA-R35 GT-R Black Ed - Black met. - "Sophia"
00' Acura 1.6EL - // Power of dreams Project - "Unity"
02' Nissan M35 Stagea - "Wynn"
91' Honda EF Civic CX - "Xander"
- The Drinker of Many Many Coffees @ McLaren Vancouver
| 
| | |
06-16-2012, 10:42 AM
|
#6 | | wants to know why blow-up dolls always look so surprised
Join Date: Jan 2007 Location: Vancouver
Posts: 1,150
Thanked 143 Times in 67 Posts
|
There's a possibility he hasn't translated his drivers license from Taiwan yet. However, just because he hasn't, doesn't mean he doesn't have insurance. He might not be making an empty threat, because you can still buy insurance without a valid BCDL.
In your own safety though, just claim it. I've heard people take cash under the table and still get claimed. You can't prove anything in courts, so save yourself the hassle and go through ICBC.
Like GGnoRE said, you can opt to pay it off after you claim it. If you choose to do so, do it before your insurance renewal.
Next time, ask to see his insurance papers.
| |
| | |
06-16-2012, 10:44 AM
|
#7 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
I have a picture of his insurance papers. And registered to it is a canadian driver's license #. I'll look into claiming it perhaps. Just didn't like the way he threatened me.
| |
| | |
06-16-2012, 10:50 AM
|
#8 | | wants to know why blow-up dolls always look so surprised
Join Date: Jan 2007 Location: Vancouver
Posts: 1,150
Thanked 143 Times in 67 Posts
|
I remember a Taiwanese DL is only valid in Canada for up to 6 months. After that, it is no longer valid unless they have it officially translated.
He might've been driving without a translated license past the 6 months mark... or just want to have it repaired before anyone in his family finds out (just a random guess)
| |
| | |
06-16-2012, 10:51 AM
|
#9 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
But if it turns out that he has a suspended BCDL, can one still operate his vehicle with a TWDL?
| |
| | |
06-16-2012, 10:56 AM
|
#10 | | wants to know why blow-up dolls always look so surprised
Join Date: Jan 2007 Location: Vancouver
Posts: 1,150
Thanked 143 Times in 67 Posts
|
If anyone has a suspended BCDL, they cannot be operating a car legally in BC.
| |
| | |
06-16-2012, 10:57 AM
|
#11 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
Ah, so if he is suspended, he's screwed. Icbc won't cover him even if he claims and it would be a whole lot more trouble for him correct?
| |
| | |
06-16-2012, 11:01 AM
|
#12 | | :: Sells McLarens, Not tofu :okay: ::
Join Date: Aug 2007 Location: vancouver
Posts: 10,740
Thanked 11,815 Times in 3,329 Posts
|
itd be kinda fun to screw him over on that... tell icbc he threatened you too!
send icbc a pic of his tw drivers licence  he might be driving around in his relative insured car...
__________________
19' Audi TT-RS S tronic w/ RS sport - Glacier White
13' Nissan DBA-R35 GT-R Black Ed - Black met. - "Sophia"
00' Acura 1.6EL - // Power of dreams Project - "Unity"
02' Nissan M35 Stagea - "Wynn"
91' Honda EF Civic CX - "Xander"
- The Drinker of Many Many Coffees @ McLaren Vancouver
| |
| | |
06-16-2012, 11:46 AM
|
#13 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
Well the insurance papers were registered to him. We'll find out today since I'm meeting him and we're gna talk it over.
| |
| | |
06-16-2012, 11:58 AM
|
#14 | | Banned By Establishment
Join Date: Mar 2002 Location: 604
Posts: 4,015
Thanked 475 Times in 285 Posts
|
I would file a claim just to cover yourself
| |
| | |
06-16-2012, 01:49 PM
|
#15 | | Revscene.net has a homepage?!
Join Date: Feb 2012 Location: Richmond
Posts: 1,287
Thanked 2,093 Times in 452 Posts
|
Claim, even if you're at fault
| |
| | |
06-16-2012, 04:56 PM
|
#16 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
So I met with him just now, the cost to fix his car wasn't too much. He said that when he bought the car he use his friends BCDL to insure the car under his name. Im not sure if I understand that all too well.. But I still feel like something is off about him.. Anyhow I'm gna try find out if he's suspended and whether he'd e able to claim it with icbc. 
Never drive when you just wake up, sigh...
| |
| | |
06-16-2012, 06:43 PM
|
#17 | | & Associates Inc.
Join Date: Jan 2010 Location: Canada Eh
Posts: 1,631
Thanked 1,215 Times in 409 Posts
|
YOU claim it with ICBC, who gives a fuck if he can claim it or not....it doesn't matter if his license is suspended...you will be covered, and your repairs will be covered(if you have collision insurance)
If you do not want this to raise your premiums then you can pay for the repairs yourself(through ICBC, NOT privately between you and him)
Also if you think just because he doesn't have a DL the entire fault will be put on him, you are wrong.
Also there is usually a limited time period where you are supposed to make the claim...time is running out and will only raise ICBC's suspicions Quote:
An ICBC adjuster will assess fault based upon the information available. By law, every motorist in B.C. is required to report a crash to ICBC, but must be allowed a reasonable amount of time to do so. If, by the time you get to your claims appointment, the other motorist has not reported, your adjuster will contact by telephone or by sending a letter.
After two weeks, we will send a second, certified letter, asking the other motorist to report within the next 10 days. We will advise that if the motorist fails to do so, we will assess fault based on the information we have.
|
__________________
Ruthless and Associates Inc ©
Serving Revscene proudly since 2008 | |
| | |
06-16-2012, 06:59 PM
|
#18 | | I answer every Emotion with an emoticon
Join Date: Jul 2006 Location: V
Posts: 7,849
Thanked 656 Times in 326 Posts
| Quote:
Originally Posted by Taxmonkey Ah, so if he is suspended, he's screwed. Icbc won't cover him even if he claims and it would be a whole lot more trouble for him correct? | Vague memory from my BC Auto insurance course.
Insured does not need to have a valid DL. The insured, including the TW person in this case, would only need to display that he is able to drive.
The normal process for you is to claim through ICBC. Your ICBC rates will only be affected if the other party claims, and ICBC finds that you are at fault.
| |
| | |
06-16-2012, 07:41 PM
|
#19 | | My dinner reheated before my turbo spooled
Join Date: Sep 2009 Location: Vancouver
Posts: 1,782
Thanked 4,037 Times in 709 Posts
|
You can go through ICBC and still pay it off, if you pay it off your rates won't get affected. This way ICBC will even go to the shop that the other party's car is being repaired at and look at the damage to assure that the other party doesn't scam you into paying more for a repair that costs less.
| |
| | |
06-16-2012, 08:53 PM
|
#20 | | I answer every Emotion with an emoticon
Join Date: Feb 2005 Location: somewhere
Posts: 7,906
Thanked 2,485 Times in 1,007 Posts
|
CLAIM it... if hes insisting not to do it, somethins is wrong... GO through ICBC and tell them You will pay it in full if you dont want if it affect your insurance
| |
| | |
06-17-2012, 12:07 PM
|
#21 | | Captain Happy Bubble is my Homeboy
Join Date: Oct 2011 Location: Richmond
Posts: 307
Thanked 81 Times in 31 Posts
|
Alrights, I'll look into claiming it tonight.
| |
| | |
06-17-2012, 03:50 PM
|
#22 | | Proud to be called a RS Regular!
Join Date: Oct 2009 Location: van
Posts: 125
Thanked 21 Times in 13 Posts
| Quote:
Originally Posted by Taxmonkey So I backed into someone yesterday, and the damage isn't very much, but we exchanged information anyhow. We had agreed that it isn't necessary to claim through icbc, and I didn't want it to affect my insurance anyhow. But he had texted me and sort of threatened that I shouldn't claim it because it'd look poorly on my part. So I thought about it: he hadn't been able to produce a valid bc driver's license. All he had was his taiwanese drivers license, is it possible that he might have his license suspended and just shown me some old insurance papers that had a bc drivers license registered to it?
What would happen if he is actually suspended? Would his insurance be active although his driver's license is not? If we were to claim through icbc, what would happen? | He could be using an expired international license.
| |
| | |
06-18-2012, 01:53 AM
|
#23 | | I *heart* Revscene.net very Muchie
Join Date: Apr 2001 Location: Van, BC
Posts: 3,666
Thanked 728 Times in 435 Posts
|
Maybe he's worried you'll change your story and say that he rear ended you, so he ends up 100% fault?
| |
| | |
06-18-2012, 08:30 AM
|
#24 | | YOU CANT CUT BACK ON FUNDING! YOU WILL REGRET THIS
Join Date: Feb 2009 Location: FL400
Posts: 5,865
Thanked 3,092 Times in 1,038 Posts
|
file claim - unless the other person makes a claim against you, you will not see any increases
__________________
Where the hell am I
| |
| | |
06-18-2012, 08:49 AM
|
#25 | | I am Hook'd on RS
Join Date: Mar 2005 Location: Vancouver
Posts: 71
Thanked 21 Times in 12 Posts
|
who cares if the guy even has a license or not. YOU BACKED into him! You are at fault LOL! The only thing that matters is you are going to pay either through ICBC or not.
| |
| | | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 08:45 AM.
|
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!
