[03c0upe]

i was with my buddy the other day...he was driving and hit a oncoming car. i think it was his fault....if its his fault can i still go to icbc and get them to pay for my rehab etc? How will this effect my friends insurance etc.

[Jacka]

His fault or not, you have the right to claim ICBC for rehab, why pay if is not your fault? Not sure if this will affect your friend's insurance, depend on how much "third party liability" he have on insurance.

[ilvtofu]

Your friend's rates will go up anyways if he did something like that I think

[03c0upe]

His fault or not, you have the right to claim ICBC for rehab, why pay if is not your fault? Not sure if this will affect your friend's insurance, depend on how much "third party liability" he have on insurance.

If the person in the other vehicle claims injury and goes to icbc because of damage my friends insurance will go up. And if i also go to icbc for rehab it wont make his insurance go up more will it?? also am i eligible for compensation for my injuries if its my friends fault but im the passenger??

[Jacka]

Yes, you are eligible for compensation for your injuries / rehab, whether it your friend's fault or not.

It really depend if is your friend's fault or not.
If it is, your friend's insurance rate will go high.
If not at fault, then your injuries / rehab is on other person's insurance. (I am tired but I think that what it is)

same thing for person in other vehicle. If is your friend's fault, everything will be claim against your friend = insurance go up. If not, all claim go toward the other person.

If result is 50/50 = then both your friend and other person's insurance rate go up.

Either way, forget about it, just go get rehab & claim icbc.

[impactX]

Why was he driving you into oncoming traffic?

[03c0upe]

Yes, you are eligible for compensation for your injuries / rehab, whether it your friend's fault or not.

It really depend if is your friend's fault or not.
If it is, your friend's insurance rate will go high.
If not at fault, then your injuries / rehab is on other person's insurance. (I am tired but I think that what it is)

same thing for person in other vehicle. If is your friend's fault, everything will be claim against your friend = insurance go up. If not, all claim go toward the other person.

If result is 50/50 = then both your friend and other person's insurance rate go up.

Either way, forget about it, just go get rehab & claim icbc.

my main question is if the other driver lets say isn't at fault claims icbc, will me claiming icbc make my friends insurance go up even more compared to only other driver claiming.

[03c0upe]

Why was he driving you into oncoming traffic?

taking a left at a intersection

[Mugen EvOlutioN]

Why was he driving you into oncoming traffic?

probably alcohol im guessing

[Jacka]

my main question is if the other driver lets say isn't at fault claims icbc, will me claiming icbc make my friends insurance go up even more compared to only other driver claiming.


If your friend is at fault, his insurance rate will go up either way, your injury claim will have no effect.

[impactX]

Either way, if he's a real friend, inform him about what you are going to do before you go to ICBC for the injury claim.

[fliptuner]

His rates will go up the same amount either way. At fault claims raise rates a set amount (%). Your injury claim will not effect his rates any more than they already have from the crash.

[impactX]

Not if his friend decides to settle privately or pay back ICBC?

Definitely not saying that the OP shouldn't claim; but if I were the friend, I would prefer him to give me a headsup.

[Jsunu]

Definitely inform him about your ICBC claim. But if he wants to avoid the claim, thereby preventing you from any form of physical therapy, he is a bad friend.

[fliptuner]

Not if his friend decides to settle privately or pay back ICBC?

Definitely not saying that the OP shouldn't claim; but if I were the friend, I would prefer him to give me a headsup.

Repayment/settling privately vs. going up a few notches on the Claim Rated Scale, really depends on 2 things: the amount of the claim (car repairs/injury) and his current discount status.

More than likely, the claim is over $4000. If his friend is at a level -9 to -19 on the discount scale, he should just claim it. It won't effect his rates much, if at all and he won't have to shell out a bunch of money all at once. Plus the OP can get his medical treatment paid for and probably a nice little settlement cheque.

Morally, it shouldn't matter if his friend's insurance goes up. He was driving, made a mistake, damaged another car and now his friend's injured. It's not like paying out the claim/settling privately and the OP's rehab, out of pocket, is any more convenient or cheaper.

When I was 19 or so, I rear ended another car when there with 3 passengers in my car. It didn't make a difference in my rates going up if I was alone. I encouraged them to make claims if they were injured.

[03c0upe]

ok cool my buddy found out that all he will lose so far is his roadstar because hes been accident free for 15 yrs. I guess thats all he will lose if i claim as well?

[Edison_Chen]

Depending on what level his CRS is. he could still be a roadstar...

http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf#Variables._frag_

[ilvtofu]

^OUCH! just took a look at what'd happen if I got a chargable claim, :eek:

[fliptuner]

Depending on what level his CRS is. he could still be a roadstar...

http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf#Variables._frag_

Yup, tell him to find out what his CRS level is at an Autoplan agent and follow the guide posted.

By the sounds of it, his insurance increase will be negligible.

And yes, that's all he'll lose.