My Oct. 2017 accident happened in a work vehicle but is listed as a personal incident. WTF ICBC. Now my personal premiums have been affected further as a result.

https://i.imgur.com/iHN5vgv.png

Under the new changes, our insurance premium would cost more if we didn't have automatic emergency braking. Now the savings is negligible.

Isn't the new change meant for the accident history to follow the driver and not the policy?

That’s crazy so these people driving around delivering food, car parts, fedex drivers, Amazon drivers for $15-$18 you get into a few accidents being on the road all day your screwed if you get into an accident

I believe you are correct, but from my interpretation, this is supposed to start following the driver as of Sept. 1. ICBC does not make clear whether the prior 2 years that determines current risk factor includes commercial vehicles or not in a driver's personal risk factor. If it does, I was unable to find it in the current literature out there. If it doesn't, then in my situation, the work accident is incorrectly listed as a personal accident.

I'm a 43% discount + 10 year discount and have a .563. My insurance is still going up about 10% year over year with no change in coverage, and then goes up another 15% to add my wife as an occasional driver (less experience, 0 accidents). All in all my insurance goes from sub $1700 to like $2150...

-Mark

I'm at .542 with 22 years experience. I did have a major collision (write off) in '99 however.

Will be interesting to see what my rate would be with my wife listed, who had an accident in the last 3 years.

So I finally did the Driver Factor Report, 0.524. If I'm reading this thread correct I pay 52.4% of whatever the basic insurance is or get a 47.6% discount on basic insurance?

Be a good driver that doesn't get into at-fault accidents?

It makes perfect sense to me? The driver crashes cars, cars don't crash by themselves. Why would a driving history follow a lump of metal? As long as it's not your fault, you have no problems.

If your house catches on fire every 5 months, your home premiums would go up, too. How is that crazy?

Making $15-$18 has zero to do with the probability of someone wrecking a car. Surely you're not suggesting basing premiums on income lol.

If you work for Fedex or UPS, the drivers should be covered by the companies policy.

lol im amost same. 0.668 with 8 years (1 at fault accident in 2011 and 1 at fault accident in work vehicle in 2014 ) soo...almost seems that it doesn't matter if you had an accident or not, its about the same DF lol I guess good for me, shitty for you

Yeah if anything people driving for a living should be extra diligent in being good drivers, since their livelihoods depend on it.

Although I don't like the house insurance example. You're right your premiums will go up on repeated claims, but they can happen with zero fault on the homeowner's part (IE theft, vandalism etc).
With driving it's a lot more straightforward. You fuck up behind the wheel, it's your fault and you pay.

Driver factor: 0.538 for both personal and commercial, no claims, 23 years driving

I am glad I didn't go through the new driver (L/N) program.

ICBC complicates it sometimes, though.

Example: when I was in school back in like 2000/2001, my dad was driving my car to work because his truck was in the shop and I don’t think I had school that day. He hit a patch of black ice at the bottom of a hill and hit a pole. The car, being a cheap POS (Suzuki Forsa) was a write off despite minimal damage as it was only worth like $1k. The vehicle was insured in my dad’s name, registered in my dad’s name, and I was listed as the primary driver.

The hit went on my dad’s insurance initially (which had zero effect because he was at like -20 or whatever), but like 13-14 years later, when I went to put insurance on a new car, they put it on my insurance. I guess it somehow didn’t get transferred onto my dad’s insurance when he bought a new truck several years prior and was “floating” as the ICBC rep put it, so it went onto mine.

What a fucking pain in the ass it was dealing with ICBC on that shit.

I had a similar issue with a hanging claim.

Two drivers on insurance for a vehicle that had an at fault accident. The claim attached to my dad's plate and insurance until years later when he sold the car and plates were turned in. The next person to do insurance had the claim attach to them which was me. I had one plate with max discount and another at 25%. I sold the car and turned in the plate with 25% and again it was hanging. My dad was next to purchase a car and it attached back to him and his plate.

Aren't situations like that what the new system is supposed to better solve?

Neither of those accidents hurt you because they're only scanning accidents since Sept 2017. They will only scan to that date until 10 years from then. Probably too expensive to pull records from 2009 or it may not be complete.

I was thinking more about commercial drivers.

What happens if someone driving non-fleet or fleet commercial driver has an accident. Will it affect their personal insurance rate? The short answer is Yes.

If you are driving a Bus/Limo/Taxi/delivery/light or heavy commercial it will not affect your personal rate.

https://www.icbc.com/insurance/comme...-vehicles.aspx

19 years driving, no accidents, no tickets, max discount level blah blah blah my insurance went down $3... like wtf. $210 a month to $207. Thanks ICBC, glad a solid record yields $3 savings.

BCUC approved a 6.3% rate increase for ICBC basic insurance starting April 1, 2019, so it's a greater discount than before. -1.4% instead of +6.3% ($207 vs $223)

I mean, they couldn't have solved it without a massive overhaul?

The series of events, as I remember being described by the ICBC rep, was roughly:
2001: Accident, claim attached to my dad's insurance on his truck
2001: I purchase my own car, registered and insured under my name, new plates
2009: I purchase new car, registered and insured under my name, new plates
2009: I sell old car a few weeks later
2010: Dad buys new truck, new plates
2010: Dad sells old truck a couple of weeks later
2010: Claim somehow becomes hanging in limbo (???)
2015: I purchase new car, new plates
2015: Claim gets attached to me
2015: I sell old car a few weeks later

They couldn't have flagged this in 5 years to attach to my dad the next time he renewed his insurance? Somehow it just got left hanging for 5 years, affecting no one's insurance?

How difficult is it to flag an unattached claim in ICBC's system? It can't possibly be that difficult.

11 years, no claims at .595

Ok so currently im at full discount with gold star. I asked my insurance agency that i get my insurance from to see how much i would be paying if i switched to the new policy. Once i switch over, I'll have to pay a little over 200 extra for the year, wtf!!!! Straight up bullshit. I've had no accidents and been driving for 14 years.

If it's because of my speeding ticket almost 2 years ago then thats fucked. That was my only ticket within 5 years.

My mom, who has no accidents and gold star and all that plus driving for over 25 years, she's only saving 200 because her car has the autonomous braking.

According to my wife (who works in insurance) any infraction, minor or major, prior to 2017 is being wiped clean from your slate. My brother in law had a total write off 4 years ago plus a minor accident (both at fault)about 2 years ago. His insurance is going from about $400/month under the old system to about $250/month on the new system. How is fair that good drivers like you are paying more and shitty drivers like him are paying less?

On top of what JMAC said about the increase, premiums are annual...so even before the incrase in April you're saving $36 (measly, I know, but still.)