Canada Kicks Ass
ICBC Sucks!

REPLY

Previous  1 ... 4  5  6  7  8  9  Next



Robair @ Fri Dec 05, 2008 3:25 pm

Brenda wrote:
I moved here from Holland. Accident free for 18 years. I had to ask my former insurance company 4 freakin times for a letter. They are telling you you're not eligible for a discount over a spelling error and a ",". It is rediculous.
Certainly sounds that way.

What is wrong with a clean abstract is what I would like to know.

   



Brenda @ Fri Dec 05, 2008 3:37 pm

They denied us because the letter didn't state: "NO CLAIMS WERE MADE"

Now, where I got my letters from, if you don't claim, it is not recorded, right? And what is not recorded, cannot be put on a piece of paper. So what did I do...

After I got some lady from ICBC headquarters on the phone for over half an hour, and have her explain to me what exactly should be in the letter from my insurance company, I quoted her exact words into an email to that company in Holland. They copied my exact words, printed it on company paper, and sent it to my po box.
This letter was accepted.

HOW STUPID CAN A COMPANY BE??? (talking about ICBC now...)

   



Sapio @ Fri Dec 05, 2008 3:42 pm

Yogi wrote:
QBall wrote:
Sapio wrote:
The question I have is why do we have Crown Corporations at all? Get ride of all government involvement including the BC Utilities Comission.


We have crown corporations because the government decided it and it alone can provide a certain type of service, or wants to more closely regulate a type of industry, or it believes it can better provide a service than the private sector.
I used to live in Ontario, which is a private run system. If you want to experience the first level of hell try spending a day or two trying to get quotes from several dozen auto insurers to try and find the best deal, then go to a MOT vehicle licensing office and wait in line to get a new plate for a vehicle you're purchasing. At least in BC you can go to one of several hundred Autoplan offices and do both at the same time.


I haven't been to my insurance providers office in 3 years! Everything is done either phone, email or snail-mail. The money that I save using private insurance more than compensates me for the 15-20 mins that I have had to stand in line waiting to renew registrations.


Yes indeed it does not have to be "hell" as you can see. I do not buy for one minute that there are service which only he government can do right."closely regulate" is the last thing we need. Let the true free market, which we do not have now, regulate. It will do a much better job.

   



QBall @ Mon Dec 08, 2008 4:33 pm

Robair wrote:
Brenda wrote:
I moved here from Holland. Accident free for 18 years. I had to ask my former insurance company 4 freakin times for a letter. They are telling you you're not eligible for a discount over a spelling error and a ",". It is rediculous.
Certainly sounds that way.

What is wrong with a clean abstract is what I would like to know.


An abstract from the Ministry of Transportation does not track accidents, only moving violations. Insurance companies track accidents.

   



postmaster @ Thu Apr 09, 2009 2:15 pm

. . . while icbc appears to be a car insurance company, it's actually a taxation system for british columbia lawyers . . .

. . . icbc, like the court system, functions as a welfare system for british columbia lawyers looking for handouts. it's obvious that levelling a claim at icbc, whether the claim is legit or not, is easy money for lawyers. the multitudes of law firms dedicated only to icbc claims makes it clear that insurance premiums are basically payments to members of the law society of british columbia . . .

. . . icbc actually cooperates with and encourages lawyers perpetrating insurance fraud. an individual sued my icbc policy claiming i had struck him with my vehicle. yet even though i explained to icbc that the individual was lying and even though several witnesses corroborated the facts, icbc and its lawyers insisted that an accident had occurred. it hadn't . . .

   



westmanguy @ Tue May 22, 2012 3:21 pm

Hey, hate to drag up an old thread...but I'm curious for some advice.

My parents today signed on to a lease for a townhouse in Marpole area in south Vancouver and I'm going to be living with them for the next two years while I finish off my undergrad degree at UBC.

The thing is the commute is a bit of a headache. I'm planning to buy a bike and rent a storage locker at Marine Drive SkyTrain station (on the Canada Line) to make things a bit easier (and then SkyTrain up to either Langara/49th or Oakridge/41st and take either the 49 or 41 to UBC).

But I'm giving second thoughts about getting a car. Purchasing a used car that gets me from Point A to Point B is not the costly part...probably can get something decent for under $2,500. But, the ICBC is my concern.

I'm 20 years old and have been a full Class 5 license from Manitoba since I was 17 and a half and this October I reach three years as a fully licensed Class 5 driver. I still have to maintain a 0.0 BAC until I am 22 (don't know if the plays into things).

Anyways, I realize ICBC takes in multiple factors when it comes to licensing. But I'm wondering roughly what kind of yearly fees I can expect?

I've never bin ticketed, ever, but I do have one minor claim incident from a year ago back in Manitoba where it was a 50/50 fault in a parking lot incident where I backed up and this other truck backed up at the same time and we dinged each other...I was irritated though because the cameras (fortunately it was in front of the place I worked) showed that he pulled out first and much more sharply than myself where i slowly began to back up.

Unfortunately, MPI is no-fault so I still got the demerits. I feel this will affect things...

Anyways, all I want this car for is to commute to and from school, but if its going to cost $2000+ a year to license it then ICBC can shove it. I'd be willing to spend up to $1200.

   



SprCForr @ Tue May 22, 2012 3:29 pm

You're the red meat in a huge pack of starving carnivores. Young, have an insurance claim history and living in the GVRD driving a beater needing Aircare.

I shudder at the thought of what you'd pay.

   



westmanguy @ Tue May 22, 2012 3:36 pm

That was my thoughts exactly...haha.

Urk. My dad got my name put on his policy for his car and we're pretty sure it cost him $500 some extra to give me driving rights to their Impala as it was $2,700/year and my parents have absolutely perfect records with no claims history for the last 10 years.

   



westmanguy @ Tue May 22, 2012 3:39 pm

So basically I'm gonna have to wait until I'm 25, my claim is 5 years behind me, and I can afford a better car...but I still live in the GVRD. Gah, what a terrible system.

This isn't said easily for me as a Conservative, but the public monopoly in Manitoba was legit a great crown corporation...it was very cheap and reasonable.

My license fee was $35/year, and the car licensing was $450/year. So, so, so reasonable.

   



dino_bobba_renno @ Tue May 22, 2012 3:40 pm

westmanguy wrote:
That was my thoughts exactly...haha.

Urk. My dad got my name put on his policy for his car and we're pretty sure it cost him $500 some extra to give me driving rights to their Impala as it was $2,700/year and my parents have absolutely perfect records with no claims history for the last 10 years.


Was that in Manatoba or BC. $2700 a year for one vehicle seems pretty high even by Alberta's standards. I think I'm around $1200 a year per vehicle roughly for full coverage (roughly $2200 to $2400 a year for both) and thats with all the other crap they sucked me into such as no fault first accident and complete vehicle replacement costs.

   



westmanguy @ Tue May 22, 2012 3:44 pm

BC...I might have got the wrong # from my dad.

But he was surprised by how high it was, and we're pretty sure it was because of having my name on the policy for the car...

Another reason I don't like it here. In Manitoba, I could drive anyone's car there was no need to have your name on a policy...I found that strange here.

A friend can't 'borrow' their car out to another friend. I have to have my name legally printed on my parent's policy to drive their car or else if their was an accident while I was driving the insurance would be null and void.

   



dino_bobba_renno @ Tue May 22, 2012 3:48 pm

westmanguy wrote:
BC...I might have got the wrong # from my dad.

But he was surprised by how high it was, and we're pretty sure it was because of having my name on the policy for the car...

Another reason I don't like it here. In Manitoba, I could drive anyone's car there was no need to have your name on a policy...I found that strange here.

A friend can't 'borrow' their car out to another friend. I have to have my name legally printed on my parent's policy to drive their car or else if their was an accident while I was driving the insurance would be null and void.


That's the same here, it's more of a "insure the person not the car" kind of thing. You're probably right about the amount being due to you being on the policy though. Can you just stay as an "additionally insured" and have the car in their name and then pay them for it? I know thats a bit risky for them though but they may get a discount for the second car and if they only have to put PL and PD on it may come out to less then you trying to insure it yourself.

   



westmanguy @ Tue May 22, 2012 3:56 pm

See that was the semi-dishonest thing I was contemplating (advice would be great).

My mom doesn't drive much to begin with and hasn't had a claim in 15+ years. She is 59 and what you'd consider the ultra-discount driver.

The thing is the car is going to be used for commuting to school, not the 'pleasure' category. But if we got the car, insured it under her name (with my name on the policy as well) and under pleasure status, I could probably stand to save several hundreds of dollars...

   



westmanguy @ Tue May 22, 2012 3:57 pm

And yah, that's how Manitoba was different...you insured the person regardless of the vehicle they drove. Cars would still be insured at additional cost, but my $35/year license fee covered me to drive anyone's car.

   



dino_bobba_renno @ Tue May 22, 2012 4:34 pm

westmanguy wrote:
See that was the semi-dishonest thing I was contemplating (advice would be great).

My mom doesn't drive much to begin with and hasn't had a claim in 15+ years. She is 59 and what you'd consider the ultra-discount driver.

The thing is the car is going to be used for commuting to school, not the 'pleasure' category. But if we got the car, insured it under her name (with my name on the policy as well) and under pleasure status, I could probably stand to save several hundreds of dollars...


Well, I wouldn't call it dishonest. Thing is even if you wait until your 25 to get insured you won't have any insurance history and thus will probably be right back in the same boat as you are now minus the fact that you'll be older. But even if you're older the fact you have no history will hurt you just as badly.

Being insured under her name is not without risk, if you get into a fender bender it will go on both of your insurance histories. For that reason I don't see anything wrong with it as far honesty goes.

The insurance history is the way it works out here, I'm pretty sure it's the same everywhere else but maybe someone from BC can confirm that.

   



REPLY

Previous  1 ... 4  5  6  7  8  9  Next