[Sid Vicious]

anyone get these? nothing like paying 300 for going 70 in a 50 zone...in addition to having already paid the speeding tickets to begin with.

do i have any recourse in this matter? how can icbc repeatedly ass rape me?

[Tofuboi]

stop speeding

[Greenstoner]

i think if you go over certain points then you will need to pay that premiums before you renew your insurance

i've paid addition 2xx few years back

[icemiko]

You have to pay it, if you don't they won't let you renew your insurance.

4 points or more and you'll have to pay.

[LiquidTurbo]

anyone get these? nothing like paying 300 for going 70 in a 50 zone...in addition to having already paid the speeding tickets to begin with.

do i have any recourse in this matter? how can icbc repeatedly ass rape me?

No you have no recourse. Everything is really laid out clearly on their website. Rules are rules!

[7seven]

well a 70 in a 50 zone ticket should be only 3 points, so that alone you wouldn't get tacked a $300 driver premium fine, thats for 6 points.

[Ludepower]

Premium fines is another ICBC money grab. They're taxing the tax! One speeding ticket and you're fucked. Instead of 2 fines...why not have one outright price. ICBC is just sugar coating your eventual continual ass rape.

It was just last year when they were trying to implement increasing insurance rates for traffic violators and not based one your driving history claim. It was quickly struckdown by all of us and the media attention it got. But ICBC planted the seed...knowing the next time they announce it...it'll pass.

I can tell you the whole autobody industry hates ICBC. Any one thinking about this trade should heavily consider another one first.

[TRDood]

Why does the autobody industry hate ICBC?

[4444]

anyone get these? nothing like paying 300 for going 70 in a 50 zone...in addition to having already paid the speeding tickets to begin with.

do i have any recourse in this matter? how can icbc repeatedly ass rape me?

Rightly or wrongly, you are well within your rights to dispute the ticket. I'm not saying this becuase you want to dispute it or anything, but you are innocent until proven guilty, or until you pay - by paying within 30 days to save your $40 or whatever it is, you are admitting guilt, by disputing you are merely saying 'prove me guilty'.

Given you won't have a court date for about 9 months to a year, you will defer those points to the next year - this is a good strategy to smooth your points (assuming you don't amass a bunch of points in the meantime).

Now, I do not condone this as it will slow down the court process, so what you can do this is dispute it, wait until the new insurance year, then pay your ticket, admitting guilt, and avoiding court time - yes there will be a slight administrative inefficiency in the world, BUT just remember these administrators working for the governmetn are getting paid way too much and are being given stupid pension benefits, so i'm sorry if I don't cry for them (not their fault for having a job, i know, but if you're not part of the solution, you're part of the problem).

I don't actually think 'stop speeding' is a valid answer, our speed limits are so stupid, 80kms on some stretches of 3 lane motorways, 50km on SW Mariner Drive?? I know most ppl in this country are retards behind the wheel, but its not like the government is using this money to better educate drivers, so on that basis, I'd do everything I can to not give them a penny more - not until they increase driver education & built better roads

/rant

i'm sure i'll get flamed by bleeding heart liberals, but so be it - real countries have fast speed limits and good drivers - we have neither in this country (your morning drive time commute radio show will provide evidence of this)

[satek]

Why does the autobody industry hate ICBC?

Because they write off every car involved in a minor accident

[Tofuboi]

I don't actually think 'stop speeding' is a valid answer, our speed limits are so stupid, 80kms on some stretches of 3 lane motorways, 50km on SW Mariner Drive?? I know most ppl in this country are retards behind the wheel, but its not like the government is using this money to better educate drivers, so on that basis, I'd do everything I can to not give them a penny more - not until they increase driver education & built better roads


I know the speed limit is 50kmh. I know if I drive over it, I run the risk of getting a ticket. Ticket's carry DPP ... Do I agree with it? No. But it is what it is and I choose to drive within the speed limit because I dont want to get a ticket.

[4444]

I know the speed limit is 50kmh. I know if I drive over it, I run the risk of getting a ticket. Ticket's carry DPP ... Do I agree with it? No. But it is what it is and I choose to drive within the speed limit because I dont want to get a ticket.

that's one way of looking at it - another is that if you get a ticket, you fight them and win.

The system in this country is broken, i NEVER pay speeding tickets becuase i fight them and it is SO hard to prove guilt beyond a reasonable doubt in Canadian courts.

And no, I don't speed if i feel it dangerous - I have an impecible driving record (not a single point on it ;) ) and 43% discount, so for ppl who say i'm 'dangerous and wrong', sorry if i was brought up in a country where speed limits are reasonable and taught to drive accordingly (never on phone/putting on make up, eating, drinking, etc. which seem to be a north american pasttime), but to drive EXPECTING the worst from any possible situation.

The ICBC driving tests where they say to name possible risks - what a joke, i get what they're trying to do, but ppl NEED the fear of a possible kid running out infront of them - or worse, a family pet (i kid, well i don't, i love animals), or worse a semi truck crossing the centre line and killing you.

driving is serious business - simpletons think speed kills - SPEED DOESN'T KILL, bad drivers kill, it just so happens that bad drivers also drive fast, but good drivers driving fast don't kill

[Disillusion_10]

Hmm I don't think we have the point system anymore. I believe it went away 3 years ago, we have this driver risk premium now. How do I know? Cause
I'm paying for it...got an excessive speeding ticket and didn't dispute it thinking I'll just pay the fine and that will be all. But nope you are considered
A risky driver and pay a premium, this thread remind me to look forward to the 2nd of the total 3 payments I need to make for this driver risk premium

[604nguyen]

^ yup... Same boat as you here.....3 payments of $350 or so dollars....
Got randomly pulled over near hope while safely following the flow of traffic....
Why me....

Fuggen cash grab...

[4444]

Hmm I don't think we have the point system anymore. I believe it went away 3 years ago, we have this driver risk premium now. How do I know? Cause
I'm paying for it...got an excessive speeding ticket and didn't dispute it thinking I'll just pay the fine and that will be all. But nope you are considered
A risky driver and pay a premium, this thread remind me to look forward to the 2nd of the total 3 payments I need to make for this driver risk premium

so even MORE incentive to fight tickets and clog up the justice system... how stupid - i'll check into it, i don't like surprises

[4444]

ICBC | Driver Risk Premium (http://www.icbc.com/driver-licensing/tickets/risk-premium)

"Drivers with more driving offences or convictions get involved in more crashes than other drivers. Customers tell us that those drivers should pay more for the higher risks and related claims costs they represent on our roads. That's why we introduced the Driver Risk Premium (DRP)."

I'd love LVOE LOVE to see some facts back that up, it may be true, but coming from the government, i just don't believe it to be true without said facts.

"You will pay a Driver Risk Premium if you have

one or more driving-related Criminal Code convictions
one or more 10-point Motor Vehicle Act convictions
one or more excessive speeding convictions and/or two or more roadside suspensions/prohibitions."

So pretty much ok unless you have excessive speeding - which admittidly is easy to get on the motorways here - i got pulled over going 121 once (ya, like you could prove that in court) and was gotten at this speed just as it went from 80 to 90 (clear evening, no cars around, dry road, clear sky, perfect conditions) - 121kph isn't even speeding in most countries at 70mph on a motorway

i've said it once, i'll say it again, driving in this city is a JOKE! i have no idea why you guys want 500+ hp performance cars, you just can't have ANY enjoyment out of them, i got pulled over in 88hp cars, in 200hp cars, and now in a 300hp car - what's the point? speed up to the limit in 2.3 seconds... and still get pulled over for 'aggressive driving'

pointless, i say

[Acuracura]

4444: just curious, how many tickets have you recieved and went to court for? What were the outcomes if you don't mind sharing. Not trying to put you on the spot or anything, it's more out of curiousity because you said it was really hard to convict someone yet I see people go to trial at traffic court and lose all the time.

[cafiax]

^I wish to know too. I have a court date coming up. Got pulled over going at most 55. When I asked at what speed I was clocked at he said he didn't have to radar me. Just visually inspected my speed and that even if i was going 1km above 50 he can issue me a ticket. wrote me for $196. Screw that... DISPUTE

[PornMaster]

ICBC | Driver Risk Premium (http://www.icbc.com/driver-licensing/tickets/risk-premium)

"Drivers with more driving offences or convictions get involved in more crashes than other drivers. Customers tell us that those drivers should pay more for the higher risks and related claims costs they represent on our roads. That's why we introduced the Driver Risk Premium (DRP)."

I'd love LVOE LOVE to see some facts back that up, it may be true, but coming from the government, i just don't believe it to be true without said facts.

"You will pay a Driver Risk Premium if you have

one or more driving-related Criminal Code convictions
one or more 10-point Motor Vehicle Act convictions
one or more excessive speeding convictions and/or two or more roadside suspensions/prohibitions."

So pretty much ok unless you have excessive speeding - which admittidly is easy to get on the motorways here - i got pulled over going 121 once (ya, like you could prove that in court) and was gotten at this speed just as it went from 80 to 90 (clear evening, no cars around, dry road, clear sky, perfect conditions) - 121kph isn't even speeding in most countries at 70mph on a motorway

i've said it once, i'll say it again, driving in this city is a JOKE! i have no idea why you guys want 500+ hp performance cars, you just can't have ANY enjoyment out of them, i got pulled over in 88hp cars, in 200hp cars, and now in a 300hp car - what's the point? speed up to the limit in 2.3 seconds... and still get pulled over for 'aggressive driving'

pointless, i say

You know whats funny, it doesn't say at fault accidents.
I have a DPP for couple speeding tickets and I probably got in the most car accidents out of all my friends. BUT none of them were my fault, 100% other parties fault.

For me the DPP worked, once I got that $300 fine i was like FUUU THAT not speeding again

[Yodamaster]

Because they write off every car involved in a minor accident

I could give you a lecture of everything ICBC pulls, but I don't want to totally fuck up their name, even though I hate them.


Basically, they're either writing off cars just because, or they are putting USED parts on your car.

Not just any used parts, I've seen parts come in that were DAMAGED, inferior, and they allow it on a car. I've seen parts that were completely different than the needed part being ordered on a car because that's what ICBC will give you to work with.

For instance, (not being racist) a Chinese knockoff hatch for a caravan was being ordered, and when it came in, it was a different shape. They avoided copyright infringment by making a different part, and ICBC told us to use it anyway, or else. :toot:

[Nightwalker]

If they hit you for all the $$ immediately, it would feel more like the punishment for something you just did wrong. Instead of getting a letter a year later and thinking "WHAT THE FUCK."

[604nguyen]

i get hit with Driver Risk Premium....

....yet i've NEVER been in an accident at my fault in almost 12 years of driving, and relatively clean driving record......all it took was 1 excessive speeding ticket because trying to be safe and going with the flow of traffic, (being the unlucky car that gets pulled over), should'nt automatically justify you as a "RISKY DRIVER" imo....

Id honestly rather get 1 huge risk premium, than 3 spread out....i don't need to be reminded annually right before my insurance expires, of how much i hate icbc

:alone::okay::okay::okay:

[CorneringArtist]

Why does the autobody industry hate ICBC?

Also, they keep cutting down labour rates in addition to constantly reducing their shop payout times.

ICBC: "Your shop charges 2 hours for replacing the entire left suspension assembly? :fuckthatshit: Bitch please, we'll pay you an hour for it!"

[melloman]

In regards to paying $300/year for having too many "Driver Penalty Points" .... you can pay off your points.. ICBC | Paying Driver Penalty Points (http://www.icbc.com/driver-licensing/tickets/dpp/paying-points)

This would then make it so you don't pay that premium every year, instead you pay a lump sum. Prices: ICBC | Driver Penalty Points premium chart (http://www.icbc.com/driver-licensing/tickets/dpp/dpp-chart)

[Phil@rise]

Why does the autobody industry hate ICBC?

Because they pay fuck all for services

[Jermyzy]

I have no problems with drivers risk premium fines, but on the flip side, shouldn't they in turn be rewarding "safe drivers" with additional discounts???!!!

[4444]

4444: just curious, how many tickets have you recieved and went to court for? What were the outcomes if you don't mind sharing. Not trying to put you on the spot or anything, it's more out of curiousity because you said it was really hard to convict someone yet I see people go to trial at traffic court and lose all the time.

many, paid none - win all.

why? its because i understand the system, understand law, etc. going in without a plan is who you see losing, if you have half a brain, its easy.

i'd say the trick to it, and the trick to life, is to figure out how something works (i.e. how they can prove you guilty), then find a weakness, in fact find many weaknesses for back up

idiots who go in deserve to pay, if they're not smart enough in court (i.e. not wearing a suit to start), probably they aren't smart enough to be driving at speed safely in teh first place

[Gridlock]

many, paid none - win all.

why? its because i understand the system, understand law, etc. going in without a plan is who you see losing, if you have half a brain, its easy.

i'd say the trick to it, and the trick to life, is to figure out how something works (i.e. how they can prove you guilty), then find a weakness, in fact find many weaknesses for back up

idiots who go in deserve to pay, if they're not smart enough in court (i.e. not wearing a suit to start), probably they aren't smart enough to be driving at speed safely in teh first place

True for life. Unless you know how something works, you can't fix it, build it change it or manipulate it.

[anti_rice]

I have no problems with drivers risk premium fines, but on the flip side, shouldn't they in turn be rewarding "safe drivers" with additional discounts???!!!

They do, you get 5% off every year you don't get into any accidents. you can accumulate to 43% off your insurance. (i think it's 43%)

[Duff Beer]

I only speed when others speed, so I could "flow with traffic" :fuckyea:

[wouwou]

Really, ANYONE who is whining about ICBC should really STFU and try getting a quote from Ontario. I am 30 with 10 years clean driving record and 35% discount in GVRD, pays less than $2000 for comprehensive @ 1 mill and 500 deduc, plus whatever my insurance suggested to be a "good pertection".

My current insurance quote with Ontario stands @ 5k.

And really, if you thin drivers risk premium is a money grab, just follow the fucking rules and don't SPEED!

[Stormspirit]

When you try to renew your insurance or driver license, they won't let you. You have to pay it first . I got it, it sucks, don't get anymore tickets or it just increases by however much they want.

[falcon]

Premium fines is another ICBC money grab. They're taxing the tax! One speeding ticket and you're fucked. Instead of 2 fines...why not have one outright price. ICBC is just sugar coating your eventual continual ass rape.

It was just last year when they were trying to implement increasing insurance rates for traffic violators and not based one your driving history claim. It was quickly struckdown by all of us and the media attention it got. But ICBC planted the seed...knowing the next time they announce it...it'll pass.

I can tell you the whole autobody industry hates ICBC. Any one thinking about this trade should heavily consider another one first.

Because then if you get only one ticket you'll have to pay more

The way the driver penalty premium works is, you suck at driving and get MANY tickets = a certain amount of points... you pay. If you only get one ticket every few years, it dosen't affect you.


Stop speeding, problem solved.

[4444]

Really, ANYONE who is whining about ICBC should really STFU and try getting a quote from Ontario. I am 30 with 10 years clean driving record and 35% discount in GVRD, pays less than $2000 for comprehensive @ 1 mill and 500 deduc, plus whatever my insurance suggested to be a "good pertection".

My current insurance quote with Ontario stands @ 5k.

And really, if you thin drivers risk premium is a money grab, just follow the fucking rules and don't SPEED!

you're doing something wrong, then, because under private insurance, someone with no claims over 25 and no speeding tickets in last 3 years WILL pay less

also, unless you had a premium 10 years ago, you're lying:
10 years clean driving at 5% per year = cap out at 43% discount... maybe you just rounded up from 7 years to 10 or you had a premium at 20, but as i say, there's more to this story.

the only ppl that government run insurance helps are under 25 year olds (highest risk group) and fucktards who can't afford insurance so tehy get their parents to insure their cars and then proceed to drive around in them (how ICBC hasn't realized this is actually a big problem is beyond me - insure the person, not the car!!!)

[jerche]

I hate how they mail you the bill just before your birthday, due on your birthday...it's such a mood killer

[Jermyzy]

They do, you get 5% off every year you don't get into any accidents. you can accumulate to 43% off your insurance. (i think it's 43%)

That's for accidents. We're talking about traffic violation tickets here. If you get into an accident, your premium goes up. If you drive accident-free, your premium goes down. If you get a traffic violation, your premium goes up. Shouldn't my premium go further down if I don't get any tickets then?

[4444]

That's for accidents. We're talking about traffic violation tickets here. If you get into an accident, your premium goes up. If you drive accident-free, your premium goes down. If you get a traffic violation, your premium goes up. Shouldn't my premium go further down if I don't get any tickets then?

your logic is horrid on this one!!!

[gars]

you're doing something wrong, then, because under private insurance, someone with no claims over 25 and no speeding tickets in last 3 years WILL pay less

also, unless you had a premium 10 years ago, you're lying:
10 years clean driving at 5% per year = cap out at 43% discount... maybe you just rounded up from 7 years to 10 or you had a premium at 20, but as i say, there's more to this story.

the only ppl that government run insurance helps are under 25 year olds (highest risk group) and fucktards who can't afford insurance so tehy get their parents to insure their cars and then proceed to drive around in them (how ICBC hasn't realized this is actually a big problem is beyond me - insure the person, not the car!!!)

I just did one of those online quotes on Kanetix. I'm 28, driving a 97 Acura Integra; I have never had a moving violation, never been suspended, never had an at-fault accident (My ICBC Claim Scale is at 43%) My insurance here is just over $1500 - but the lowest quote I got was $1750 WITH a higher deductible ($500 vs $300 for both Collision and Comprehensive). All the other quotes they showed me was well over $2000.

And that's with a supposed CAA discount :P

[Sid Vicious]

Really, ANYONE who is whining about ICBC should really STFU and try getting a quote from Ontario. I am 30 with 10 years clean driving record and 35% discount in GVRD, pays less than $2000 for comprehensive @ 1 mill and 500 deduc, plus whatever my insurance suggested to be a "good pertection".

My current insurance quote with Ontario stands @ 5k.

And really, if you thin drivers risk premium is a money grab, just follow the fucking rules and don't SPEED!

i appreciate your infantile brand of logic...because ontario sucks harder, people in bc dont have the right to criticize a local corporation?

why is accepting without questioning such a socially desirable trait with people like you?

[4444]

I just did one of those online quotes on Kanetix. I'm 28, driving a 97 Acura Integra; I have never had a moving violation, never been suspended, never had an at-fault accident (My ICBC Claim Scale is at 43%) My insurance here is just over $1500 - but the lowest quote I got was $1750 WITH a higher deductible ($500 vs $300 for both Collision and Comprehensive). All the other quotes they showed me was well over $2000.

And that's with a supposed CAA discount :P

that's f'd, if i were back in the UK, i'd be paying pennies on the dollar for insurance, or if i were back down in the states

[wouwou]

£ÀSid, the ICBC system is not broken. Broken would indicate that ICBC is charging innocent people more than they should be paying. The DRP only applies to people who hit one of the three criteria above, all of which can be easily avoided if reasonable rules are followed. At most ICBC has a harsh system, and I have no problem punishing people who disregard speed limits and put other people's life at risk.

[wouwou]

@4444, sorry for not quoting, cellphone sux.

I have 35% currently because I have been working almost three years in HK, and 35% is what I have when I left Burnaby three years ago. Funny thing is even CHINA of all places would take into consideration of my driving record and offer much lower rates than Ontario. 5k is what a 19 yrs old would pay with a new license.

As for the reward for not receiving tickets, aka doing what you are supposed to do? The same reason why you are not rewarded because you obey the law.

[Gridlock]

the only ppl that government run insurance helps are under 25 year olds (highest risk group) and fucktards who can't afford insurance so tehy get their parents to insure their cars and then proceed to drive around in them (how ICBC hasn't realized this is actually a big problem is beyond me - insure the person, not the car!!!)

And I'm not going to lie...I kind of get the help. When I was in that age bracket, it would suck to be told that you are paying out your ass just because of nothing you have done, yet, but your age and sex.

[4444]

And I'm not going to lie...I kind of get the help. When I was in that age bracket, it would suck to be told that you are paying out your ass just because of nothing you have done, yet, but your age and sex.

but you're being insured for what you are about to do, statistically

insurance is ALL about statistics, they should be the only basis for your premiums, not government intervention or anything else

[bloodmack]

many, paid none - win all.

why? its because i understand the system, understand law, etc. going in without a plan is who you see losing, if you have half a brain, its easy.

i'd say the trick to it, and the trick to life, is to figure out how something works (i.e. how they can prove you guilty), then find a weakness, in fact find many weaknesses for back up

idiots who go in deserve to pay, if they're not smart enough in court (i.e. not wearing a suit to start), probably they aren't smart enough to be driving at speed safely in teh first place

this, first time i disputed a ticket, judge gave me a break because i wore a suit and actually tried to fight for it. The kid before me was wearing jeans and a hoodie and didn't get his facts straight judge owned him.

[46_valentinor]

To be honest, I think icbc and the government should take a look at why there is constantly speed violations. Going 10km/h over the speed limit isn't putting anyone in danger, going the speed limit however will cause road rage because the flow of the traffic isn't going the speed limit. The speed limit was put in effect decades ago when there were no electronic aids such as abs or traction control, no airbags, tires that are so inferior compared to now nor crumple zones. As technology advances, the government needs to evolve with it as well. I remember posting up a report a while ago (not sure if it was revscene or bcsportbike) which basically show evidence that fast drivers on the road actually helps contributes to ease congestion on the road by approximately 5-15 percent (don't remember exactly). However living in a city where its all about being green and pubic transit, I don't see the government doing any improvements.

[Gridlock]

but you're being insured for what you are about to do, statistically

insurance is ALL about statistics, they should be the only basis for your premiums, not government intervention or anything else

Oh, I totally agree...now ;)

I'm just saying it would have sucked...then.

[gars]

but you're being insured for what you are about to do, statistically

insurance is ALL about statistics, they should be the only basis for your premiums, not government intervention or anything else

I don't the statistics, but if they say men get in more (or more expensive) accidents, do you think we should pay more in insurance?

[4444]

I don't the statistics, but if they say men get in more (or more expensive) accidents, do you think we should pay more in insurance?
yes, if supported by fact, i do, equally, i as a >25 yr old would like to benefit from being in a statistically safer group of drivers

[UFO]

i as a >25 yr old would like to benefit from being in a statistically safer group of drivers

We do

If you have >10 years driving experience (accident or not), you do get a further discount (as long as other drivers in your household who use the vehicle also have >10 years driving experience, which is only fair)