| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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03-08-2017, 08:59 PM
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#26 | | what manner of phaggotry is this
Join Date: Nov 2001 Location: Kelownafornia
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I think some of you are even missing the craziest part on here.
If you drive 17 years claim free and get in 1 at fault accident, you move 8 spots down the CRS
If you drive 20 years claim free and get in 1 at fault accident, you move 11 spots down the CRS
you get punished harder if you've been claim free longer WTF! It is literally an escalating punishment the longer you've been claim free!
Currently, the longer you drive claim free, the shorter you drop down the CRS with an at fault accident. Makes sense. If someone cant drive 3 or 5 years without an accident, they should get punished harder as theyre clearly bad drivers. If you can go 15-20 years without an accident, it was likely an accident and you aren't punished so hard because you havent been a drain on the insurance.
If anything, since you hit 43% at 9 years, just keep it all at 6 steps. Its fucking absurd it goes to 11 steps for 20 years claim free!
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03-08-2017, 09:08 PM
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#27 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
| Quote:
Originally Posted by RRxtar  I think some of you are even missing the craziest part on here.
If you drive 17 years claim free and get in 1 at fault accident, you move 8 spots down the CRS
If you drive 20 years claim free and get in 1 at fault accident, you move 11 spots down the CRS
you get punished harder if you've been claim free longer WTF! It is literally an escalating punishment the longer you've been claim free!
Currently, the longer you drive claim free, the shorter you drop down the CRS with an at fault accident. Makes sense. If someone cant drive 3 or 5 years without an accident, they should get punished harder as theyre clearly bad drivers. If you can go 15-20 years without an accident, it was likely an accident and you aren't punished so hard because you havent been a drain on the insurance.
If anything, since you hit 43% at 9 years, just keep it all at 6 steps. Its fucking absurd it goes to 11 steps for 20 years claim free! | Exactly, keep it at +6 for everyone and their new CRS scale is fine. I mean, still worse for good drivers, but not terrible. Basically would make it so everyone moves up the same amount for an accident, which is pretty fair.
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03-09-2017, 06:09 AM
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#28 | | I *heart* Revscene.net very Muchie
Join Date: Apr 2007 Location: Langley
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That graph is retarded. At least give drivers with 20 years accident free an additional discount or something.
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03-09-2017, 02:23 PM
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#29 | | I contribute to threads in the offtopic forum
Join Date: Dec 2003 Location: Vancouver
Posts: 2,777
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The graph is basically saying, no matter how long you've been driving for, no matter what level you're at, if you crash 2 times, you'll get the same punishment as anyone else.
Hence -20 goes to -9, which is same as -17 goes to -9, then second claim goes to -3.
Whereas the old system, you need to crash 3 times to fall to the same level as the dude who made 2 claims.
TL;DR Everyone gets the same punishment. Drop in level got bigger.
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03-09-2017, 02:44 PM
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#30 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
| Quote:
Originally Posted by mr_chin The graph is basically saying, no matter how long you've been driving for, no matter what level you're at, if you crash 2 times, you'll get the same punishment as anyone else.
Hence -20 goes to -9, which is same as -17 goes to -9, then second claim goes to -3.
Whereas the old system, you need to crash 3 times to fall to the same level as the dude who made 2 claims.
TL;DR Everyone gets the same punishment. Drop in level got bigger. | Clearly punishing the people who have had 15+ years of claims free driving (in other words, have been contributing money to the system rather than draining it) who run into a string of bad luck is clearly the solution.
You certainly wouldn't want to punish the drivers who routinely demonstrate that they're poor drivers that are draining the system, would you?
3 years without a claim to get back to previous discount? Still there
Maximum of +10 on CRS scale? Still there
Increase in penalties for drivers on the + side of the scale? Nope
Increase in multiple-crash premium for drivers who have had 3 or more claims over a 3-year period? Nope
No, you're right, this is way more fair.
Last edited by Jmac; 03-09-2017 at 02:55 PM.
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03-14-2018, 06:10 PM
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#31 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Oct 2015
Posts: 176
Thanked 139 Times in 53 Posts
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It looks like they are not implementing the CRS changes in May anymore. I'm surprised this isn't announced anywhere, not even on reddit. Claims and your insurance costs Quote: |
The provincial government has directed the British Columbia Utilities Commission (BCUC) and ICBC to not implement the changes to the Claim Rated Scale (CRS) that were announced last year, and were to take effect on May 6, 2018. Although the CRS changes previously announced will not be implemented, ICBC will continue to look at at-fault crashes within our broader rate design strategy to make rates more affordable.
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03-14-2018, 06:17 PM
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#32 | | Where's my RS Christmas Lobster?!
Join Date: Sep 2004
Posts: 890
Thanked 326 Times in 112 Posts
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That’s good news.
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