| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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08-06-2020, 11:25 AM
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#801 | | Rs has made me the woman i am today!
Join Date: Jun 2006 Location: Burnaby
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Originally Posted by Traum  Good luck if you get into any sort of accident. Basic liability coverage is only $500k, I think? I | Basic 3rd party is $200K...which is worse. 2 million is likely the (practical) bare minimum.
Gerbs, this is insurance - for you know, unforeseen things happen. You will fuck yourself up for a loooong time if something happens. Better to save on other things than this...and like ^ said, if you can't afford it (and I say this without malice) you best take transit.
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08-07-2020, 07:19 AM
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#802 | | Even when im right, revscene.net is still right!
Join Date: Oct 2012 Location: y
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Originally Posted by Traum Good luck if you get into any sort of accident. Basic liability coverage is only $500k, I think? If there are more than 2 persons getting injured, you are on the hook for their medical, recovery, and income replacement bills because that $500k coverage won't be enough.
Last I heard, bankruptcy is not a very nice thing. If you can't afford the extra liability coverage, perhaps taking transit is a better bet. | Quote:
Originally Posted by 320icar Minimum liability is 1mil IIRC
(Bonus fact, in some states with the ultra cheap “the general” insurance etc minimum liability is $5000) | Basic TPL is $200k, that does not go far by any means. Any dollar over $200k will be personally pursued from you privately ie. assets or garnished from your wages. Good luck working for someone else for the rest of your life, starting from your first job out of school.
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08-07-2020, 09:13 AM
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#803 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
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i search (not sure if outdated) shows property dmg is capped at 20k, and i remember reading injuries has a new cap but can't find it, is that per claim or per person?
i assume everything over those will be pursued privately?
TPL not only covers the mishap you cause on other parties but also your passengers?
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08-07-2020, 09:27 AM
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#804 | | Rs has made me the woman i am today!
Join Date: Jun 2006 Location: Burnaby
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| Quote:
Originally Posted by twitchyzero i search (not sure if outdated) shows property dmg is capped at 20k, and i remember reading injuries has a new cap but can't find it, is that per claim or per person?
i assume everything over those will be pursued privately?
TPL not only covers the mishap you cause on other parties but also your passengers? | There's only a new cap on MINOR injuries, at $5500 per person involved (to my understanding). Anything that doesn't fall under minor, there's no cap.
There's no cap to property damage, but it all falls under liability insurance. I mean if you drive into a power pole, you're paying to repair that. Knocked out power to a factory because you drove into a pole, resulting in loss of work? You're on the hook for that as well.
From what I read, they pursue anything out of insurance through wage garnishes, etc.
TPL covers everybody involved in the accident other than you, including your own passengers.
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08-07-2020, 02:34 PM
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#805 | | I contribute to threads in the offtopic forum
Join Date: Sep 2004 Location: Canada
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Definition of minor in case you people are wAndering https://www.icbc.com/claims/injury/P...-injuries.aspx
Better break a bone or you only get $5500
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12-14-2020, 02:22 PM
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#806 | | what manner of phaggotry is this
Join Date: Nov 2001 Location: Kelownafornia
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holy shit
ICBC is applying to the B.C. Utilities Commission for a 20% decrease on basic and optional vehicle insurance as a result of ICBC's new enhanced care coverage. Customers can expect to save up to $400 by May 1, 2021. https://www.castanet.net/news/BC/319...o-rated-refund
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12-14-2020, 02:32 PM
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#807 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
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I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed.
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12-14-2020, 07:10 PM
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#808 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
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| Quote:
Originally Posted by 320icar I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed. | Ladner is still in the same ICBC rate territory as Richmond (Lower Mainland). Maple Ridge/Pitt Meadows (which cuts southwest between Surrey and Langley to White Rock) is the next ICBC rate territory then Fraser Valley (Langley-Chilliwack) to the east.
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12-14-2020, 08:41 PM
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#809 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by 320icar I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed. | I found this out when I had the M3 insured for the week. Richmond is actually one of the cheaper territories.. whereas Delta (North Delta) is more expensive than Richmond LOL wut
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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12-14-2020, 08:44 PM
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#810 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
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Originally Posted by SSM_DC5 | As of April 1, 2020, it's actually $5,627 now. As per my adjuster since I just signed my payout two weeks ago.
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
Last edited by BIC_BAWS; 12-14-2020 at 10:54 PM.
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12-14-2020, 09:38 PM
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#811 | | I contribute to threads in the offtopic forum
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Originally Posted by BIC_BAWS I found this out when I had the M3 insured for the week. Richmond is actually one of the cheaper territories.. whereas Delta (North Delta) is more expensive than Richmond LOL wut | Richmond has terrible drivers but don't forget a lot of them are so scared they drive so slow = cheap accident repairs... just a lot of them  | |
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12-15-2020, 12:10 AM
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#812 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
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I call BS, every year icbc says they will be cheaper. Like the designated driver system that they just put in place. My insurance was higher than last year cuz they jacked up the base rate.
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12-15-2020, 07:38 AM
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#813 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Mar 2005 Location: Vancouver
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| https://www.cbc.ca/news/canada/briti...2022-1.5837824
is there finally a chance that i'll be able to move a plate around different cars without visiting an agent?
i know ICBC will never create a workable fleet policy for enthusiasts - but this could be something.
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Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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12-15-2020, 07:38 AM
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#814 | | Rs has made me the woman i am today!
Join Date: Jan 2012 Location: PENIS
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cheaper for old people
young people gonna get raped
__________________ There's a phallic symbol infront of my car Quote: |
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| bcrdukes yray fucked bcrdukes up the nose
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FastAnna i really cant
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12-15-2020, 11:14 AM
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#815 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
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Originally Posted by yray cheaper for old people
young people gonna get raped | Even worse than they are now?
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12-15-2020, 12:59 PM
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#816 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
Posts: 21,877
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Originally Posted by The Producer i know ICBC will never create a workable fleet policy for enthusiasts - but this could be something. | Afaik we're the only province that doesn't have this. Like an umbrella policy that goes with the plates.
Why the fuck should I be paying 4 independent policies for 4 cars, if I'm the only driver? What a fucking joke.
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fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
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haha i can taste the cum in my mouth
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when I was 13 I wanted to be a video hoe so bad RSUV #7 | |
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12-15-2020, 02:47 PM
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#817 | | what manner of phaggotry is this
Join Date: Nov 2001 Location: Kelownafornia
Posts: 18,285
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Online renewals is good and bad.
For the average person, a simple renewal should be able to be done online. However I think alot of people don't give enough thought to the fact that those couple of pieces of paper in your glovebox are an incredibly complex legal document and the autoplan agent that guided you thru your policy has at least some idea of how it works.
If it was all online only, how many idiots would be buying absolute minimum liability policies and no optional coverages because all they look at is the price and then cry and moan they didn't understand when they get in an accident, or worse, get sued for more than their coverage.
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12-15-2020, 02:58 PM
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#818 | | RS has made me the bitter person i am today!
Join Date: Dec 2002 Location: YVR/TPE
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^
I think this is a problem when there are several insurance companies. And one needs to be sure they are comparing apple to apple.
ICBC has a monopoly (for basic insurance at least) in the province, and the wordings can be simple enough. If they wanted someone to double check on something, they could always add another "verification" step so that they read a tl;dr version, which is the same version insurance broker would say anyway.
It's time for ICBC to move digital. My f&f down south can't believe I still have to go into a branch to get insurance. For them it's a call away.
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12-15-2020, 06:28 PM
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#819 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
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| Quote:
Originally Posted by RRxtar Online renewals is good and bad.
For the average person, a simple renewal should be able to be done online. However I think alot of people don't give enough thought to the fact that those couple of pieces of paper in your glovebox are an incredibly complex legal document and the autoplan agent that guided you thru your policy has at least some idea of how it works.
If it was all online only, how many idiots would be buying absolute minimum liability policies and no optional coverages because all they look at is the price and then cry and moan they didn't understand when they get in an accident, or worse, get sued for more than their coverage. | Not sure why you’re assuming it’s switching to an *online only* system. We just want the option to do some simple stuff online
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12-15-2020, 08:10 PM
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#820 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
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Originally Posted by 320icar Not sure why you’re assuming it’s switching to an *online only* system. We just want the option to do some simple stuff online | Like renew insurance with the same coverage. Should only have to go in if changing coverage or insuring a new/different vehicle.
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12-15-2020, 09:52 PM
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#821 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
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^^ this. As I don't think I've changed my policy for like 5 years. Unless icbc forces some change. It's not like you will jump between liabilities every year. I really want to have some sort of fleet policy so I can afford to insure all my cars at once  | |
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12-15-2020, 10:46 PM
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#822 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
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or self-serve TOP online
or carry insurance pdf on your mobile device
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12-15-2020, 11:51 PM
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#823 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
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Self-serve TOP's would be fantastic. Half the time it takes longer to go get the TOP than it does taking the car wherever it's going.
__________________ 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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12-16-2020, 08:18 AM
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#824 | | what manner of phaggotry is this
Join Date: Nov 2001 Location: Kelownafornia
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Thats why I said a renewal should be able to be done online.
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12-16-2020, 08:38 AM
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#825 | | I have named my kids VIC and VLS
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I’m hoping the online portal will be able to do day permits
Hate having to insure my truck to drive it twice a month due to the inconvenience of having to go in and get a day permit..
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