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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 12-16-2016, 06:20 PM   #26
Head of HR....have a seat on that couch
 
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Quote:
Originally Posted by dabbin View Post
They are mistaken.

Unless while at -20, they had 3 at faults in 3 years.. THEN they would pay a penalty while maintaining a 43% discount.

Multiple Crash Premium

The only way they'd pay more is for Roadside plus ($28 more), but would need to be -12 or lower for that to drop out of roadstar discount for them to be hit, and that means increased insurance rates anyways. At -20 that cost would stay the same.
Nope.

That only applies to basic coverage. Optional coverage premiums always go up after an at fault claim.
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Old 12-16-2016, 06:48 PM   #27
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Quote:
Originally Posted by fliptuner View Post
Nope.

That only applies to basic coverage. Optional coverage premiums always go up after an at fault claim.
When I had an at fault accident a few years ago, My discount stayed the same with basic and optional coverage.

Last edited by E60_M5; 12-16-2016 at 06:53 PM.
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Old 12-16-2016, 06:55 PM   #28
Head of HR....have a seat on that couch
 
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Originally Posted by E60_M5 View Post
No it doesn't, the claim rate scale applies to the whole autoplan coverage.
http://www.icbc.com/autoplan/costs/Documents/crs.pdf
Look at the top. See where it says 'Basic Insurance'?
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Last edited by fliptuner; 12-16-2016 at 08:21 PM.
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Old 12-16-2016, 07:19 PM   #29
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I know all it takes is a small patch but how much black ice can there be inside a tunnel? Mostly at the entrance/exits?
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Old 12-16-2016, 07:24 PM   #30
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Hopefully they didn't have winter tires so ICBC refuses to cover them

*fail suit on*
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Old 12-17-2016, 10:20 AM   #31
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Look at the top. See where it says 'Basic Insurance'?
??Estimate the impact of a claim on your premiums

I used the calculator and my insurance would go up by a total of $51 over 3 years if I have 1 accident. I have full insurance with ICBC.
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Old 12-17-2016, 11:25 AM   #32
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I've read the minster also wants to cap repairs for exotics even if the other driver is at fault. It's ridiculous but all this should get sorted out once private insurers come into play.
There is already a cap. It's called the 3rd party liability and it's usually 2M or 3M.
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Old 12-17-2016, 12:10 PM   #33
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There is already a cap. It's called the 3rd party liability and it's usually 2M or 3M.
I thought third party liability was mostly for injuries/death
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