[E.D.C.5]

Originally Posted by FlyinOrange

Spoiler!

This.

Correct me if I am wrong in this thinking.

If fault cannot be placed, both parties get hit with 50% blame.

If blame is greater than 25% for a given party, they have to pay their deductible and face a premium increase.

If a cam proves that one party is 75%+ (or typically 100%) to blame, then ICBC would only be able to:

1) claim one deductible?
2) raise the premium for one party?

Or am I incorrect in this assumption and ICBC would in fact hit the 75%+ blame party with both deducibles and premium increases?

I ask because I recall an article in a local news rag calling for reduced premiums for those who have dash cams. ICBCs response was very wishy washy, leading me to suspect the above. If blame can be clearly placed on one party by a cam - ICBC actually loses money? Financially it is in their best interest to have blame be 50/50?

If fault cannot be placed, both parties get hit with 50% blame. from what I know, yes 50/50 (usually in parking lot situations if BOTH were reversing from parking spots; or both changing into the same lane simultaneously)

If blame is greater than 25% for a given party, they have to pay their deductible and face a premium increase. YES. However, if found only 25% liable, just responsible for 25% of deductible but no premium increase

If a cam proves that one party is 75%+ (or typically 100%) to blame, then ICBC would only be able to:

1) claim one deductible? I don't really know what you mean by claim one deductible, but the at-fault party (100%) would be responsible for their own deductible while the other non-liable party does not have to pay their deductible.
2) raise the premium for one party? YES, for the responsible party

Or am I incorrect in this assumption and ICBC would in fact hit the 75%+ blame party with both deducibles and premium increases? if you are assessed +50% at fault, then your premiums increase. If you're +50% at fault AND you're repairing your OWN vehicle, you will be responsible for the deductible depending on your percentage of fault.