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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 07-19-2014, 04:22 PM   #51
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It depends.

If you hit a kid in school zone today, you'll be in a lot of shit and parents are gonna sue your ass for multi million $$$.

It's even worse if your car is relatively flashy, have exhaust, etc.
Witness are gonna tell ICBC and Police you were driving like a complete idiot, you are going to have a criminal charge for mischief in public, etc.

Trust me, witness will actually tell everyone that you were driving aggressively, surf on Youtube and other car websites, people post videos how single dashcam saved their ass.

It is going to save ICBC a lot of money because your dashcam shows a kid running into the road without even looking and you had absolutely no time to stop within distance.
Exactly. Dashcam coupled with a medical professional's opinion could lower the payout value of an injury claim... or even outright deny it.
This exactly the cause of increased rates in the article from in the first post.
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Old 08-26-2014, 02:27 PM   #52
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so here we go again...

ICBC Wants to Raise Rates by 5.2 percent

so much for passing down savings from reduced accidents eh?
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Old 08-26-2014, 02:47 PM   #53
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Absolute joke
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Old 08-26-2014, 03:13 PM   #54
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But... they gave back money to people. They need to regain their wealth from their previous fuck-up of the last 6 years...
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Old 08-26-2014, 03:38 PM   #55
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lol, money that they shouldn't have charged in the first place. therefore, the bastards aren't giving you anything. they held your money and profit from it for the last 6 years if they invested the money
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Old 08-26-2014, 06:18 PM   #56
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so today my dad got a letter from icbc saying that he was underpaying them 12$ but they waived it so their sorry for the inconvenience. is it possible for these computer error to happen?
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Old 08-26-2014, 06:22 PM   #57
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Sorry for slight off topic, but I received mail from ICBC today saying that they miscalculated my insurance for the last 3 years on my current car, and have been undercharging me (they worded it as I have been underpaying them).

They said they will waive the charges and I don't have to do anything until my next insurance renewal, where I will be paying the correct/updated amount (more).

The insurance on my GTI vs my last car (1999 Prelude) is already a few hundred dollars higher, and now I find out I've been underpaying too lol, damn!!!

EDIT: ohhh ilovebacon posted while I was typing. Looks like me and your dad got the same letter basically. Except mine was way more than 12 dollars...
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Old 08-27-2014, 01:43 PM   #58
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My bro got this same letter.. say he had underpaid 250 or something..

and they will adjust accordingly..

funny how they word it so its like you were Purposely stealing that money from them, and they are doing you a HUGE favor in not charging you.
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Old 08-27-2014, 02:02 PM   #59
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fuck you ICBC!
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Old 08-27-2014, 07:32 PM   #60
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Quote:
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so here we go again...

ICBC Wants to Raise Rates by 5.2 percent

so much for passing down savings from reduced accidents eh?
ICBC Monopoly at its finest
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Old 08-27-2014, 08:50 PM   #61
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wrong...

ICBC Monopoly at its worst
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Old 08-27-2014, 10:11 PM   #62
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These greedy motherfuckers just never stop
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Old 08-27-2014, 11:14 PM   #63
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how do we get revenge?
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Old 08-28-2014, 12:12 AM   #64
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how do we get revenge?
This is how people revenge ICBC:
http://www.revscene.net/forums/69761...-interest.html

well we know that this probably isn't a good idea since something like this will only give an additional reason to ICBC how they need to raise the insurance price.

The only way to stop ICBC monopoly is to get some petition, get media on our side, maybe get someone powerful and put ICBC under political pressure.

Find economical benefits, or any benefits for that matter by getting rid of ICBC monopoly and bringing private companies. What kind of positive change can we expect?

Educate media and citizens with YouTube video. This worked for "speed kills" bullshit we had for decades.
Someone could do the same for ICBC, maybe someone smart or perhaps the same guy who made that "Speed kills your pockebook" maybe rename it "ICBC kills your pocketbook"
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Old 08-28-2014, 09:22 AM   #65
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how do we get revenge?
Learn how to drive.

Educate others on how to drive.

Don't get into accidents.

Don't provoke accidents.

Don't scam ICBC on claims, or injuries.

All our collective insurances will eventually go down.
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Old 08-28-2014, 09:30 AM   #66
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Learn how to drive.

Educate others on how to drive.

Don't get into accidents.

Don't provoke accidents.

Don't scam ICBC on claims, or injuries.

All our collective insurances will eventually go down.
Call me pessimistic but even if all that happened they would just keep the rates the same and continue to funnel money out ICBC into the general coffers. The only two things IMO that would lower rates (for some) is: 1.Competition in basic rates but that isn't happening, way to large of a cash cow. 2. No Fault insurance.

I was talking to my wife, between Car, motorcycle, house and life insurance I currently pay $7,000.00 a year of my net income to insurance, we've both been claim free for almost 2 decades on any type of insurance......That's fucking insane, imagine what I'd pay if I was able to get discounts like other places (USA) for lumping all my insurance into one carrier?
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Old 08-28-2014, 09:36 AM   #67
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Call me pessimistic but even if all that happened they would just keep the rates the same and continue to funnel money out ICBC into the general coffers. The only two things IMO that would lower rates (for some) is: 1.Competition in basic rates but that isn't happening, way to large of a cash cow. 2. No Fault insurance.
They only take money made from the optional insurance - the BC Gov't doesn't take money from the basic insurance.
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Old 08-28-2014, 09:44 AM   #68
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa
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Old 08-28-2014, 10:17 AM   #69
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Perhaps insuring cars properly would be a good idea as well.

If you drive a 2004 CLK500 and you pay the same insurance as someone who drives a 92 Ford Exploder there is something VERY wrong. I know this is the case as my father owns both.

Charge people who buy high end cars more to insure them. Class cars properly.
My IS300 is not a luxury sports car....
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Old 08-28-2014, 10:40 AM   #70
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On my focus st I pay $250/mo with a 35% discount. Fuck that
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Old 08-28-2014, 11:13 AM   #71
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On my focus st I pay $250/mo with a 35% discount. Fuck that
Brand new? Full coverage with the smallest deductable possible? Replacement policy? Insured for >15km? Living in GVRD? Same model have a history of high repair costs or being stolen?

There are tons of options that can increase insurance to a high number, just as there are other options that drops the monthly payments to next to nill.

I pay <$80/month for full coverage on my car. And that's not even the cheapest I've paid in the past.

Say what you will, I'd rather have ICBC than a private market.
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Old 08-28-2014, 11:19 AM   #72
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I think in your example, they are correct.. the demographic of CLK500 chances are it will be an older driver.. vs 92 Exploder which will be some cousin Cletus or some family trying to get by and are always late to everywhere. So even the car worth more, the insurance risk will be lower.. Not to mention if the Exploder get into an accident there will be more than 2 person beside the driver claiming. The passenger payout is the main cost.

The fact is popular cars with large sample will always be more risky than smaller run cars, hence higher cost.

You want to save on insurance? put OBD logger in every one's car, automatically ticket any risky moves.. you will save on insurance.

Accidents down, but payout is up.. that's the problem.

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If you drive a 2004 CLK500 and you pay the same insurance as someone who drives a 92 Ford Exploder there is something VERY wrong. I know this is the case as my father owns both.

Charge people who buy high end cars more to insure them. Class cars properly.
My IS300 is not a luxury sports car....

Last edited by godwin; 08-28-2014 at 11:27 AM.
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Old 08-28-2014, 11:22 AM   #73
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You do realise if you go to an insurance brokerage at any shopping mall or even BCAA, talk with them, they will give you discount for bring all your insurance services to them right?!

Just because you don't know the discount routes and paying more, doesn't mean they don't exist.

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That's fucking insane, imagine what I'd pay if I was able to get discounts like other places (USA) for lumping all my insurance into one carrier?
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Old 08-28-2014, 11:56 AM   #74
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If I could make one round-trip drive to the store, to work, etc without encountering someone cutting me off, changing lanes without looking, turning without signalling, left-lane hogging, etc, that would be nice.
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Old 08-28-2014, 12:09 PM   #75
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You do realise if you go to an insurance brokerage at any shopping mall or even BCAA, talk with them, they will give you discount for bring all your insurance services to them right?!

Just because you don't know the discount routes and paying more, doesn't mean they don't exist.
I have my home insurance through BCAA the last 8 years and I've already checked into that. If I moved all my vehicles over there that would be 75% of my insurance coverage, home, 3 vehicles just my life would be elsewhere.

What kind of savings would I reap in a bundle? None, I'd save slightly on SUV and Car I'd pay more on the bike (already private somewhere else for optional) for a net increase in premiums.

Just because you know the discount routes doesn't mean you know where I get my insurance or what I've looked into.
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