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I find it extraordinarily funny that the Liberals' Wilkinson has the guts (and the thick hide) to come out and bark at the changes that NDP and Eby are implementing now. The Liberals were the ones that left ICBC in the financial ruins that it is in now. Does they seriously think there is still any sort of moral high ground they can stand on to criticize what NDP / Eby is doing to salvage the situation?
As far as I can see, Eby seems to be factoring out a number of different higher risks situations/causes from the general driver pool, and then charging people separately for them. In doing so, the low risk drivers get to enjoy a slightly cheaper rate, and drivers can optionally choose for themselves to see whether they want to pay extra to enjoy a bit of convenience. This approach seem very much like something private insurance would do, except that I think the 25% portion of insurance premium calculation is probably cheaper than what a private insurance company would have charged.
The unlisted driver thing is a real PITA, but at least it can be waived away with a $50 solution. And even if a vehicle owner chooses to not pay for that and his car gets into an accident with an unlisted driver, it sounds like ICBC will still honour the insurance coverage (which is the important thing), even though it'll slap the vehicle owner with a hefty fine.
The most disappointing thing about this ICBC reform is -- there still isn't any provisions for people with multiple vehicles to enjoy some reduced insurance premiums. If we are already going by the insurance-tied-to-driver model, then obviously only 1 driver can drive a single vehicle at any given time!!! So why not give us a break on our 2nd, 3rd, etc. vehicles?
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