| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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03-05-2020, 08:51 PM
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#676 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
| Quote:
Originally Posted by welfare  To reduce your premiums by listing another driver, they have to be part of your household, or an employee.
Not just an acquaintance. | That's not true. Quote:
Under the new model, at-fault crashes will follow the driver, not the vehicle owner. For example, if your friend causes a crash using your vehicle, the claim will count on their driving record, not yours. Listing those who drive your car helps to make sure they're accountable for the crash, and the risk involved in insuring your car is accurately assessed.
The majority (75%) of your Basic insurance premium will be based on the principal driver (the person who will drive the vehicle the most). Of the other listed drivers, the one with the highest level of risk will make up the remaining 25%.
For detailed information on listing drivers visit drivers, experience, and crash history.
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Who drives your car
For policies effective September 1, 2019, one of the biggest changes you’ll notice when you buy or renew your insurance is that we will ask you to list who drives your car.
Under the old model, if a friend borrowed your car and caused a crash, the claim would go on your crash history, rather than theirs. As of September 1, crashes follow the driver – so the claim will go on your friend’s crash history, not yours. This helps to make sure the right person is held accountable for the crash.
Listing drivers won’t necessarily mean you pay more. It will depend on each listed driver’s experience and crash history.
Who should I list?
You should list those who drive your vehicle, such as:
Household members and employees (of the principal driver, registered owner, or lessee if the vehicle is leased)
Learners
Others, such as friends and family, who will use your car
Drivers can be added or removed from your policy at any time.
Why do I need to list drivers?
Knowing who will drive your car helps us to accurately assess the risk and ensure the right person is held accountable in the event of an at-fault crash.
If an unlisted driver causes a crash in your car, you could face a financial consequence unless you have opted for Unlisted Driver Protection. However, this does not protect you from the financial consequence if a household member, employee, or other regular driver causes a crash, as they should be listed on your policy.
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03-05-2020, 08:52 PM
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#677 | | I STILL don't get it
Join Date: Aug 2015 Location: Main & Hastings
Posts: 459
Thanked 489 Times in 157 Posts
Failed 0 Times in 0 Posts
| Quote:
Originally Posted by Badhobz |
So if the government is guilty, they will pay the plaintiff using the plaintiff's own money collected via taxes. Nice.
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03-05-2020, 08:52 PM
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#678 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
Posts: 4,116
Thanked 3,400 Times in 1,289 Posts
Failed 92 Times in 70 Posts
| Quote:
Originally Posted by welfare To reduce your premiums by listing another driver, they have to be part of your household, or an employee.
Not just an acquaintance. | Where does it say that about the discount only applying to them? I can't find anything on it. All I see on their website is It's important to list household members, employees or others who will drive your car, as they are excluded from Unlisted Driver Protection. That means if they aren't listed on your policy and cause a crash in your car, the financial consequence could apply. | 
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03-05-2020, 08:55 PM
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#679 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
Posts: 4,530
Thanked 1,170 Times in 625 Posts
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| Quote:
Originally Posted by Jmac That's not true. | Oh crap. My bad.
__________________
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, 08:58 PM
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#680 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
Posts: 4,116
Thanked 3,400 Times in 1,289 Posts
Failed 92 Times in 70 Posts
| Quote:
Originally Posted by trollface 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. | The logic behind it is stupid and so is ICBC if they think people won't catch on to this and save some money. Anyways make sure you drive to the police station and demand a ticket the next time you drive over the speed limit.
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03-05-2020, 09:01 PM
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#681 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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It does seem like quite the oversight.
Feels like it should be 75% on the primary driver and 25% on the owner/lessee (or whatever split you want to make it). 100% if the primary driver is also the owner/lessee.
It's pretty easy for ICBC to find out who the primary driver is in an investigation. Almost impossible to verify whether a person drove your vehicle once that year and wasn't involved in a claim.
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03-05-2020, 11:40 PM
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#682 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,798
Thanked 9,482 Times in 4,138 Posts
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| Quote:
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 | They do regulate that, there's a few threads about it on here. Quote:
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. | While it is lower, not many people will actually have the other person driving their car 25% of the time.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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03-06-2020, 08:26 AM
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#683 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Oct 2015
Posts: 176
Thanked 139 Times in 53 Posts
Failed 16 Times in 5 Posts
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I added my mom as secondary driver to all my cars and got a bit of savings. Don't see why you wouldn't do it just to have some savings and they can drive your car in emergencies.
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03-06-2020, 09:26 AM
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#684 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
Thanked 3,890 Times in 1,016 Posts
Failed 373 Times in 118 Posts
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Double post
Last edited by trollface; 03-06-2020 at 09:38 AM.
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03-06-2020, 09:37 AM
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#685 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,735
Thanked 3,890 Times in 1,016 Posts
Failed 373 Times in 118 Posts
| Quote:
Originally Posted by underscore They do regulate that, there's a few threads about it on here.
While it is lower, not many people will actually have the other person driving their car 25% of the time. | When you catch a tiny tiny % of these, there is no regulation. The people that get caught are always going to be the vocal bunch asking for advice on here, you'll never see threads about people bragging about tax evasion.
Adding drivers makes perfect sense for a household where no everyone has a car.
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03-06-2020, 09:50 AM
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#686 | | Revscene.net has a homepage?!
Join Date: Dec 2003 Location: 604
Posts: 1,264
Thanked 402 Times in 235 Posts
Failed 25 Times in 13 Posts
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Its great David Eby is trying to put legislation or something in place so the gov't can't take the profits from ICBC. All that profits should be going back into ICBC and the drivers.
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03-06-2020, 10:48 AM
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#687 | | I subscribe to Revscene
Join Date: Mar 2005 Location: Vancouver
Posts: 1,907
Thanked 5,028 Times in 1,142 Posts
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^^ why? ICBC should operate net zero financially. no profit, no loss
run the company leaner, lose half the executives and make ICBC what it should be, a service that we're lucky to have in this province.
that's what this government should be focused on.
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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03-06-2020, 12:06 PM
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#688 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
Failed 21 Times in 14 Posts
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so my optional insurance company mailed me , asking for 20 years of claim history. and driving records. after i got the insurance in jan, wtf.
20 years. isn't that overkill?
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03-06-2020, 01:34 PM
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#689 | | I contribute to threads in the offtopic forum
Join Date: Oct 2005 Location: surrey
Posts: 2,585
Thanked 4,578 Times in 934 Posts
Failed 554 Times in 127 Posts
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^bcaa only wanted 10. Stupid part is I'm lowest possible discount with bcaa, yet I'm somehow not the lowest premium with icbc because of an accident I had in 2007
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03-07-2020, 08:13 AM
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#690 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
| Quote:
Originally Posted by The Producer ^^ why? ICBC should operate net zero financially. no profit, no loss
run the company leaner, lose half the executives and make ICBC what it should be, a service that we're lucky to have in this province.
that's what this government should be focused on. | That’s all well and good to say ICBC should be non-profit, but any company should have a buffer, especially in an industry where costs can vary substantially year-to-year.
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03-08-2020, 09:57 AM
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#691 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Jul 2012 Location: van island
Posts: 172
Thanked 71 Times in 27 Posts
Failed 37 Times in 10 Posts
| 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. | Unless you get hit by some succesfull business owner, good luck trying to sue anyone who works a regular job for millions, hundreds or even thousands.
Ambulance chasers always go after more money because money is readily available (ICBC). Or the 250-500k earners you talked about. But I wish them good luck trying to privately sue someone who underinsured himself and only had the basic 200k.
Also, doesn't ICBC has an underinsured protection if you get hit by exactly someone like this, who is underinsured? Quote:
Originally Posted by Jmac
It's pretty easy for ICBC to find out who the primary driver is in an investigation. Almost impossible to verify whether a person drove your vehicle once that year and wasn't involved in a claim.
| How will they find out who the primary driver is? I find it just as impossible, unless maybe they introduce some sort of app tracking and entice people with extra discounts (Where they can see the frequently used route).
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03-08-2020, 10:09 AM
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#692 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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In an investigation, they talk to people.
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03-08-2020, 02:46 PM
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#693 | | HELP ME PLS!!!
Join Date: Nov 2005 Location: vancouver
Posts: 5,988
Thanked 1,380 Times in 479 Posts
Failed 51 Times in 26 Posts
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just had my insurance renewed... and went up 2k in price... called in to find out ICBC's system dinged me for an accident that wasn't my fault. waiting for them to make the adjustment and return some of my money.
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03-08-2020, 06:48 PM
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#694 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,455
Thanked 11,037 Times in 3,966 Posts
Failed 480 Times in 243 Posts
| Quote:
Originally Posted by Messerschmitt Unless you get hit by some succesfull business owner, good luck trying to sue anyone who works a regular job for millions, hundreds or even thousands.
Ambulance chasers always go after more money because money is readily available (ICBC). Or the 250-500k earners you talked about. But I wish them good luck trying to privately sue someone who underinsured himself and only had the basic 200k.
Also, doesn't ICBC has an underinsured protection if you get hit by exactly someone like this, who is underinsured? | correct, thats why i also load up on the underinsured protection too. Its not that much more (i think 50 bucks a year) and it tops up to 3 million in my case. https://www.icbc.com/insurance/produ...rotection.aspx | |
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03-08-2020, 08:08 PM
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#695 | | I subscribe to Revscene
Join Date: Mar 2005 Location: Vancouver
Posts: 1,907
Thanked 5,028 Times in 1,142 Posts
Failed 16 Times in 14 Posts
| Quote:
Originally Posted by Badhobz | don't forget you have to buy this for each insurance policy now, not just one like it used to be until 2 years ago
more cash grab
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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03-08-2020, 10:05 PM
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#696 | | RS Veteran
Join Date: Nov 2001 Location: An Island
Posts: 14,400
Thanked 5,024 Times in 1,083 Posts
Failed 4 Times in 4 Posts
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2013 Honda CRV, over 15km to work based in Victoria, 3 drivers max discount $1600 annual premium. Last year was $1450.
1992 Chevrolet Cavalier (beater) cheapest insurance possible other than storage, no collision/comprehensive, one driver max discount, $700 annual premium.
__________________
Victoria Car Assessments - Condition assessments (test drive, photos, deficiencies and summary). RS member references available. IG @touringteg
1998 Acura Integra Type R #0635
2017 Honda Civic Type R #01818
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03-09-2020, 07:13 PM
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#697 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,111
Thanked 9,871 Times in 3,926 Posts
Failed 881 Times in 421 Posts
|  why not get something made this millennium...80s domestic to daily around isn't safe
looks like on the mazda my rate is the same or even $100 cheaper
didn't keep the original paper only the cancellation one...i assume i'm comparing annual net premium from 2019 vs annual insurance total of 2020?
also noticed it works out cheaper to insure only 9 months and let it lapse than to cancel/plate again
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03-09-2020, 08:03 PM
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#698 | | Even when im right, revscene.net is still right!
Join Date: Jun 2003 Location: Vancouver
Posts: 1,308
Thanked 390 Times in 164 Posts
Failed 15 Times in 6 Posts
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I am looking at the point of getting lots of extra 3rd party liability if they capped the payouts. Have a look at this link, https://www.icbc.com/partners/health...artners-qa.pdf
So minor injury payout is $5500. Death benefit it $30,000. The new overall recovery cost is $300,000 but this has to be a major injury. You can't trust what the autoplan agent is saying, they just want to sell everything. According to this, in order to need $5mil 3rd party liability you will have to hurt lots of people. If they all die you can hit 166, if they live you can only seriously injure 16. The definition of minor injury pretty much covers everything short of permanent brain damage or losing limbs.
So many changes. I'm thinking about lowering my 3rd party for others not a bad idea of putting it into another policy for myself.
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03-10-2020, 08:50 AM
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#699 | | Proud to be called a RS Regular!
Join Date: Dec 2002 Location: vancouver
Posts: 110
Thanked 14 Times in 6 Posts
Failed 2 Times in 2 Posts
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Originally Posted by lilaznviper just had my insurance renewed... and went up 2k in price... called in to find out ICBC's system dinged me for an accident that wasn't my fault. waiting for them to make the adjustment and return some of my money. | went up BY 2k or went up TO 2k?
from how much?
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03-10-2020, 06:19 PM
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#700 | | NEWBIE ACCOUNT!
Join Date: Sep 2016 Location: Vancouver
Posts: 17
Thanked 3 Times in 3 Posts
Failed 5 Times in 2 Posts
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Originally Posted by Jmac That's not true. | No, it is true. I am a licensed ICBC salesperson as I just tested out the situation and you indeed do not get a cheaper premium if they are not listed as a household member. The CDF on your policy is solely the IDF of the PO (if PO's IDF is the highest) if no other household member is listed. I can send proof to a DM as I would rather not show a screenshot of the broker's site to the public.
Example 1, my own IDF is 0.829 and my friend's IDF is 0.515. My friend is listed on the policy, but not as a household member. CDF = 0.829
Example 2, my own IDF is 0.829 and my friend's IDF is 0.515. My friend is listed on the policy as a household member. CDF = 0.750
Example 3, my own IDF is 0.829 and my friend's IDF is 0.943. My friend is listed on the policy, but not as a household member. CDF = 0.857
EDIT: added wording and examples Quote:
Originally Posted by Badhobz Quote:
Originally Posted by Messerschmitt Also, doesn't ICBC has an underinsured protection if you get hit by exactly someone like this, who is underinsured? | correct, thats why i also load up on the underinsured protection too. Its not that much more (i think 50 bucks a year) and it tops up to 3 million in my case. https://www.icbc.com/insurance/produ...rotection.aspx | Yes, basic comes with $1,000,000 of UMP. Flat rate $25 for 2M, $30 for 3M, $35 for 4M, $40 for 5M.
Last edited by jasonc97; 03-10-2020 at 06:47 PM.
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