Quote:
Originally Posted by Great68
Yeah if anything people driving for a living should be extra diligent in being good drivers, since their livelihoods depend on it.
Although I don't like the house insurance example. You're right your premiums will go up on repeated claims, but they can happen with zero fault on the homeowner's part (IE theft, vandalism etc).
With driving it's a lot more straightforward. You fuck up behind the wheel, it's your fault and you pay.
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ICBC complicates it sometimes, though.
Example: when I was in school back in like 2000/2001, my dad was driving my car to work because his truck was in the shop and I don’t think I had school that day. He hit a patch of black ice at the bottom of a hill and hit a pole. The car, being a cheap POS (Suzuki Forsa) was a write off despite minimal damage as it was only worth like $1k. The vehicle was insured in my dad’s name, registered in my dad’s name, and I was listed as the primary driver.
The hit went on my dad’s insurance initially (which had zero effect because he was at like -20 or whatever), but like 13-14 years later, when I went to put insurance on a new car, they put it on my insurance. I guess it somehow didn’t get transferred onto my dad’s insurance when he bought a new truck several years prior and was “floating” as the ICBC rep put it, so it went onto mine.
What a fucking pain in the ass it was dealing with ICBC on that shit.