ICBC says B.C. drivers will soon have to pay more

[SoNaRWaVe]

got rear ended in low speed impact too. rode out 2 years of physio and back still fucked.

apparently city vehicles play with a different set of rules as advised by a lawyer. scum bags icbc workers didn't even tell me any of this and they are suppose to be experts in this field and help you out. so i got fucked because papers weren't filed in time and i couldn't get more further treatment from icbc past the 2 years.

[subordinate]

Originally Posted by Jmac

In a front collision, it's best to relax but it's best to brace in a rear collision.

haha, so exactly the opposite of what a person can do.

If you can relax when an oncoming car is headed for you, *claps.

[mr_chin]

It's bullshit how perfect drivers have to pay for others' injury claims. It should just be the rate of individual insurance increase instead of the mass.

Guy A hits Guy B hard from the back. Guy B claim injuries (real or fraud), it should only come out of Guy A's insurance and Guy A's insurance premium will take a hit.

Why should the perfect guy that has been driving forever with no accidents have to pay more for others' fault?

[Hondaracer]

Even if it's coming out of guy A's premiums, everyone is still paying for it. That's how "insurance" works. Their funds are generated by the people paying their premiums

Insurance in general is one of, if not the biggest scam of modern times. Although you'd be crying to the media like all the other losers if somthing happened and you didn't have it :/

[MarkyMark]

Yeah how about raising the amount of discount you top out at for drivers who manage to not get in accidents, that would be nice

[meme405]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

[smoothie.]

most people aren't healthy, and might have old injuries.

15km/h from a semi would total your car.

but yes, there are a lot of fakers as well.

My injury from 4 years ago which I didn't feel more than being a bit sore at the time is really showing itself now, and there's pretty much nothing I can do about it. Sometimes its better to be safe, earlier.

[Timpo]

Yeah I got involved in a motorcycle accident couple years ago.

This 70 year old guy crossed the line and came up right in front of me, I was going at 50km/h and didn't have much time to brake so I probably smashed into his car at 40km/h.

I flipped over and rolled over on the ground like typical motorcycle accident. Luckly the injury was not life threatening or anything because I didn't have spinal cord injury or anything like that. There certainly was impact landing on the ground and all that.

The doctor told me that my injury was very similar to competitive athletes and he said he has dealt with these kinds of injury when he was working with competitive football and rugby players.

What I want to say is that my body could absorb some impact, as it supposed to and I could recover within couple months or so.
I do have a hard time believing when young and healthy people get hit at low velocity and claiming that they're suffering for more than 2 years. Maybe if you're an old man with health conditions, yeah I'd believe it but normal person should be fine.

[Timpo]

Originally Posted by meme405

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

Yeah true. If you're living in a wild, like many people do in Africa, South America, Amazon and many Asian countries... you'd be dead in no time if you're that fragile.
We're living in a rich society where we have food, medical service, roof over the top, TV, smart phones, cars, etc.

[twitchyzero]

Originally Posted by meme405

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

I doubt speed upon impact in rear-enders are ever really recorded. It's always by eyewitness or one's own memory and we know how unreliable those are during an accident. When someone says low impact and unless there's no noticable damage...the actual fact was probably closer to 20kph+...and those bumps are certainly not light. I would hazzard a guess most people aren't in the optimal seating position to minimize the impact (head turned away/looking around during red light etc)

[underscore]

Originally Posted by meme405

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I think part of it comes from the unexpected nature of the impact and the restraints in the car only holding part of your body, but I could be wrong.

[AWDTurboLuvr]

Originally Posted by underscore

I think part of it comes from the unexpected nature of the impact and the restraints in the car only holding part of your body, but I could be wrong.

The speed of the other vehicle is only one part of the equation. Mass and direction of impact are some of the others. A Smart Car is not gonna do anything to your car, but a 4500 lb pickup truck? Much more damage.

[quasi]

Originally Posted by mr_chin

It's bullshit how perfect drivers have to pay for others' injury claims. It should just be the rate of individual insurance increase instead of the mass.

Guy A hits Guy B hard from the back. Guy B claim injuries (real or fraud), it should only come out of Guy A's insurance and Guy A's insurance premium will take a hit.

Why should the perfect guy that has been driving forever with no accidents have to pay more for others' fault?

The basic principal of insurance is spreading the risk among all the people that use it. Those who make claims pay a higher premium then those who don't. In order for it to only effect the person who's at fault they would have to cover the whole amount out of pocket. If everyone is paying out of pocket 100% what's the point in having insurance at all?

I feel your pain, I pay $4,600 a year to insure my 3 vehicles and haven't had a claim in almost 20 years.

[Hehe]

The whole insurance industry in North America needs a major overhaul.

The current system basically created this impression that if you ever got hit by someone, it's like you've won the lottery.

When I lived in South America, insurance there covered cars and/or properties, and not people. If you want to cover people, there's an extra coverage for that. And even so, the person claiming damage would have to prove how his/her life has been really affected by it. So, unless it's something obvious (broken leg/arm), one'd have to go great length to actually show such a damage (you get back pain? Go through CT/MRI scan to determine the actual cause, get an expert opinion on its cause and its effect on your life... etc).

The thing is, it makes hard for people to claim fake injuries and leave the money to those who truly need.

[van_city23]

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

[mr_chin]

Originally Posted by meme405

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

[CharlesInCharge]

Originally Posted by van_city23

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

Its from the old divide and conquer play book. Make people think their problems are caused by other people then blind side them into even more debt slavery.

[JaPoola]

Originally Posted by van_city23

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

What surplus? That's the Liberals' slush fund.

Vaughn Palmer: Ratepayers be damned, ICBC has become a valuable cash cow for unrepentant Liberals

[Jmac]

Originally Posted by AWDTurboLuvr

The speed of the other vehicle is only one part of the equation. Mass and direction of impact are some of the others. A Smart Car is not gonna do anything to your car, but a 4500 lb pickup truck? Much more damage.

This ^

Force = Mass x Velocity Delta / Time

I don't know how long it takes for a car to come to a complete stop in a collision, but let's say 1 second for simplicity's sake. It's probably less time than that (so greater force).

Take a typical car weighing 1500 kg.

15 km/h = 4.17 m/s

1500 kg x 4.17 m/s / 1 second = 6.255 kN of Force

That's a shitload of force. Most of it is transferred to your vehicle and some of that is transferred to the occupants. How much depends on a number of factors.

[rd01]

Originally Posted by van_city23

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

ICBC did make money last year. Funny how it's always basic insurance that goes up. The optional ones never do. Ever since private companies were allowed to sell optional insurance, ICBC has been raising basic and lowering optional. By the way the Liberals took $138 million from ICBC last year. But its okay, no income tax increase right? just increases in ICBC, Hydro, and MSP.

[meme405]

Originally Posted by mr_chin

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

This is exactly the wrong kind of attitude.

"Taking every opportunity to get as much back" is exactly the reason our insurance is so fucking high, because a bunch of whiners and complainers think that getting rear ended at 10km/h is a reason to not go to work for a month and claim their back is broken.

NEWS FLASH your back ain't broken you bitch ass loser, get the fuck back to work and make something of yourself instead of being a drain on society...

[Tone Loc]

Originally Posted by mr_chin

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

I don't think there's anything wrong with going to see a doctor after ANY accident, just to make sure there are no underlying issues that could arise later on down the road. Going to a doctor after you get involved in an accident is not only better from a health perspective but is also good to have on your ICBC report just in case.

I strongly disagree with your last point though. Insurance isn't supposed to be seen as some kind of financial windfall, and people with that shitty attitude are the reason our premiums are so "high" in the first place. Because they take every collision as an opportunity to be dishonest and game the system for personal gain. Fraud affects all of us and I personally see no problem with paying more for insurance if it means more fraudulent claims are investigated and these scumbags are brought to justice.

[i-vtecyo]

Originally Posted by meme405

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

It's very common for re-occurrence of back injury if ppl have had it from the past before caused by some other injury. Also everyone is different which means everyone has different durability and bone density due to many factors such as age, sex, calcium intake and ect. In addition, back pain/injury is very broad. We could be talking about a strain in the back muscle, caused by a tear in the tendon/muscle fiber, a fractured vertebrae or sprain ligaments in the spine, or even more severe conditions such as shifting and compressing of vertebrates. Regardless, any back injury or head injury shouldn't be taken too lightly until further assessed by physicians.

And for sport activities such as snowboarding ppl do fall and theyre lucky to have not suffer any life threatening damage, but sometimes signs and symptoms do take days to show up and many unfortunate ppl have died from those listed activities.

[meowjinboo]

Originally Posted by meme405

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

revscene consists of 110 pound asian kids who don't do manual labour, what do you expect.

and some guy who keeps bragging about his life

and some guy who is a fucking lunatic.

[SoNaRWaVe]

i do manual labour and my rear ender was from a f150 truck. low velocity as i recall it. bumper replacement was in 1.3k range and my physio said somewhere between my 3rd or 4th something on the upper spine (between neck to mid shoulder blade) was wacked.

2 years of treatment and there was improvement but its not fully back to what it was prior. no back injury prior either.

so i personally can say that low velocity rear enders are real, but i am also sure that alot of it are false claims for max payout.