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.

......you broke the law....got caught....
It's an expensive lesson. .

Better put your flame suit on.....

:facepalm: 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
:facepalm:

Am I missing something? Why would your premiums go up if you had a few violation tickets?

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.

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

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.

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.

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.

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.

lol

im curious. how fast were you going? and what was the speed limit?

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

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.

Drive a bike, no insurance needed. Bike lanes everywhere!!! Chicks dig bikes.. You can show off by going as fast as you want.

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.

Not OP's fault VTEC kicked in, yo

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

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.

$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?

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

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.

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. :thumbsup: