[Traum]

I'm reading through ICBC's blurb on their website:

https://www.icbc.com/about-icbc/chan...-insurance-BC/

And here are some key takeaways that I noticed:

What does ICBC pay in an injury claim?

If you are in a crash and suffer an injury, ICBC accident benefits pay for your medical treatment, rehabilitation and wage loss, and may pay for other benefits such as home care, prescriptions and medical devices.

You are also usually paid an amount for pain and suffering (the legal term for the physical and emotional stress caused by the ordeal of the injury). This is over and above the amount provided for medical treatments to help you get better.

A limit (of up to $5,500) on pain and suffering payouts for minor injuries will be introduced as of April 1, 2019.

Think you may qualify for the low-kilometre discount?

If you think this low-kilometre discount may apply to you, you can provide your current odometer reading at your next annual renewal starting on August 23.

The DPP and DRP programs are separate from insurance premiums – they are linked to the driver’s licence and are billed even if the driver does not own or insure a vehicle.

Once approved, the DPP and DRP amounts will increase by 20 per cent this year, and another 20 per cent next year.

Owners of luxury vehicles valued at more than $150,000 now pay double for their basic premiums.

What are the consequences if I don’t list all drivers on my insurance?

If your vehicle is involved in a crash caused by an unlisted driver and you didn’t have the unlisted driver protection, you may be faced with a financial consequence based on the premium differential, up to $5,000 per claim. There would not be an insurance breach for not listing the drivers and the crash would follow the at-fault drivers.