| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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03-04-2020, 06:42 AM
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#651 | | Even when im right, revscene.net is still right!
Join Date: Feb 2005 Location: VEGAS
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Ive always gotten 1 mill liability.
Its impossible to extract money from icbc now
So why go 2, 3, 5 mill?
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03-04-2020, 11:10 AM
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#652 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
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Cuz if you hit my ass and I get fucked up, I’m pretty sure my expenses (and thus you’ll be liable) will be wayyy more than a million bucks.
You’re just playing the odds here man. If you hit a van full of people or even two moderately high income individuals and say they can’t work for a few years, you’ll be screwed.
Pain and suffering is capped now. But future loss of income as far as I know isn’t.
What’s the extra few million anyways ? 100-200 bucks a year ? Pennies for piece of mind. I always get 5 million.
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03-04-2020, 11:12 AM
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#653 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,455
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03-04-2020, 11:24 AM
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#654 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
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Weren't governments taking money out of optional insurance? And wasn't that always allowed?
I can't help but wonder if this is payback for cutting out the lawyers.
__________________
Gold is the money of kings;
Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
-Norm Franz
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03-04-2020, 12:02 PM
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#655 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
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I'm surprised that out of all the possible potential plaintiffs, they went with a 70 year old male.
While it is true that the average Canadian man lives to 80+, wouldn't the lawsuit just fall apart if the plantiff dies? Of course I am not wishing anything on the 70 year old, but statistically speaking, this adds an unnecessary risk, and this type of lawsuit will probably take years to duke it out in court.
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03-04-2020, 08:50 PM
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#656 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
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| Quote:
Originally Posted by Badhobz  Cuz if you hit my ass and I get fucked up, I’m pretty sure my expenses (and thus you’ll be liable) will be wayyy more than a million bucks.
You’re just playing the odds here man. If you hit a van full of people or even two moderately high income individuals and say they can’t work for a few years, you’ll be screwed.
Pain and suffering is capped now. But future loss of income as far as I know isn’t.
What’s the extra few million anyways ? 100-200 bucks a year ? Pennies for piece of mind. I always get 5 million. | get 2-ch dash cam and drive safely...i'm not saying to just get basic coverage but if i cause an at-fault accident that can prevent someone else from walking/working again then i don't deserve to be on the road
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03-05-2020, 12:58 AM
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#657 | | RS has made me the bitter person i am today!
Join Date: Dec 2002 Location: YVR/TPE
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Originally Posted by twitchyzero get 2-ch dash cam and drive safely...i'm not saying to just get basic coverage but if i cause an at-fault accident that can prevent someone else from walking/working again then i don't deserve to be on the road | I don't get why so many modern cars have 360 view and yet don't allow owner to record footage off them.
Over the years, I've probably dumped easily 2000+ on dashcams. Only to have 2 breakins with 3 camera stolen. The current one on family van is just one from my dad as he went from 2cars to 1. 0 footage ever used, except a hot chick crossing the street and my buddy in pax seat asked me to download the vid.
Every manufacturer should take a note from Tesla. Their 360 cam record all the time and the car basically has a black box built into.
__________________
Nothing for now
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03-05-2020, 07:58 AM
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#658 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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Nothing is free.
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03-05-2020, 10:15 AM
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#659 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
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| Quote:
Originally Posted by Badhobz Cuz if you hit my ass and I get fucked up, I’m pretty sure my expenses (and thus you’ll be liable) will be wayyy more than a million bucks. | So you’re one of those people.
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03-05-2020, 10:33 AM
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#660 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
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Go talk to some of the longshore who works in our ports. They pull in over 350k a year or some of the old foremens who can do almost 500k. Hit them and see what happens. Same with management... 1 million bucks isn’t going to cover you if you seriously hurt these guys. It doesn’t take much to get off for MVA 6 months to a year or more.
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03-05-2020, 10:56 AM
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#661 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
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What if you run over Jeff Bezos?
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03-05-2020, 03:55 PM
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#662 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
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Just curious, has anyone added their parents onto their policy and get cheaper rates? Since they are "safer" drivers?  Or will it push your rate up since you're adding another driver?  | |
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03-05-2020, 06:34 PM
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#663 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
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Originally Posted by JDMDreams Just curious, has anyone added their parents onto their policy and get cheaper rates? Since they are "safer" drivers? Or will it push your rate up since you're adding another driver? | I did, saved 50 bucks.
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03-05-2020, 07:08 PM
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#664 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
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That has to be the weirdest part of the new ICBC rules. You can add someone you know will never drive your car and save money if their record is spotless, even though you could still a be shitty driver yourself lol
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03-05-2020, 07:20 PM
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#665 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
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Originally Posted by MarkyMark That has to be the weirdest part of the new ICBC rules. You can add someone you know will never drive your car and save money if their record is spotless, even though you could still a be shitty driver yourself lol | Yea but if you get into an accident, doesn't it effect their rates?
__________________
Gold is the money of kings;
Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
-Norm Franz
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03-05-2020, 07:46 PM
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#666 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
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Originally Posted by welfare Yea but if you get into an accident, doesn't it effect their rates? | I don't think so, it's not their car and they weren't driving.
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03-05-2020, 07:50 PM
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#667 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,459
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Originally Posted by JDMDreams Just curious, has anyone added their parents onto their policy and get cheaper rates? Since they are "safer" drivers? Or will it push your rate up since you're adding another driver? | Every single one of my friends who still lives at home with a bunch of tickets added their moms and end up paying less than me. Bull
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03-05-2020, 07:56 PM
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#668 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
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Originally Posted by MarkyMark That has to be the weirdest part of the new ICBC rules. You can add someone you know will never drive your car and save money if their record is spotless, even though you could still a be shitty driver yourself lol | That's not how it works. The logic is if the driver you added has more diving experience than you, and will from time to time use you car, that means you (the less experienced) will not drive it as much, therefore the risk of claim is lower.
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03-05-2020, 08:02 PM
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#669 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
Posts: 4,116
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Originally Posted by trollface That's not how it works. The logic is if the driver you added has more diving experience than you, and will from time to time use you car, that means you (the less experienced) will not drive it as much, therefore the risk of claim is lower. | But who actually regulates that? If you add someone with more driving experience are you limited to how much you can drive your car now per month now? Do you need proof they actually drive your car?
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03-05-2020, 08:05 PM
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#670 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
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Originally Posted by MarkyMark But who actually regulates that? If you add someone with more driving experience are you limited to how much you can drive your car now per month now? Do you need proof they actually drive your car? | Well no one, but no one can regulate anything really just like how you can lie on the sale price of the craigslist car you bought, or insuring a car for your kids under your name but they're the primary driver. Technically it's insurance fraud but that's the logic behind it.
There is no min in their outline of how much they have to drive the car, so you can technically have them roll down the block and you've covered your bases. Technically.
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03-05-2020, 08:11 PM
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#671 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
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Originally Posted by trollface Well no one, but no one can regulate anything really just like how you can lie on the sale price of the craigslist car you bought, or insuring a car for your kids under your name but they're the primary driver. Technically it's insurance fraud but that's the logic behind it.
There is no min in their outline of how much they have to drive the car, so you can technically have them roll down the block and you've covered your bases. | Which was basically my point, it's a loophole to save money. For someone like me who will be the only person driving my truck, it makes sense to put the most experienced driver I know as a driver on my insurance and pay less with no repercussions.
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03-05-2020, 08:27 PM
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#672 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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Originally Posted by MarkyMark Which was basically my point, it's a loophole to save money. For someone like me who will be the only person driving my truck, it makes sense to put the most experienced driver I know as a driver on my insurance and pay less with no repercussions. | That's just called lying and insurance fraud, not a loophole.
You can get a collector plated car and drive it to work everyday, that's not a loophole either.
We're talking about saving 30-50 dollars here, not thousands or even hundreds.
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03-05-2020, 08:37 PM
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#673 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
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Originally Posted by trollface That's just called lying and insurance fraud, not a loophole. | Fraud how? Does it say anywhere that they MUST drive the car a certain amount? Or is it just that it's possible they will use it? Anything is possible.
It's a retarded rule to begin with,. If I drive my car everyday and then once a month my grandma takes it to bingo for an hour, is my risk really less and deserving of a lower rate?
It's a rule that begs to be taken advantage of and I definitely will and not feel guilty at all. I'll wait for the deep investigation when I get into an accident in my own car that I'm allowed to drive as much as I want. All that fraud going on lol.
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03-05-2020, 08:42 PM
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#674 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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The part where you admitted you would be the only person driving the car but you're going to add a driver anyways for the discount?
For someone like me who will be the only person driving my truck, it makes sense to put the most experienced driver I know as a driver on my insurance and pay less with no repercussions.
I don't give a rats ass if you want to add Bernie Sanders and and Louis Hamilton as your 2nd driver, I'm just explaining how it works and the logic behind it.
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03-05-2020, 08:48 PM
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#675 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
Posts: 4,530
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To reduce your premiums by listing another driver, they have to be part of your household, or an employee.
Not just an acquaintance.
__________________
Gold is the money of kings;
Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
-Norm Franz
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