[The Producer]

my conclusion is that the things you think ICBC should cover would be covered if you had the right optional insurance and coverages. as a fellow basic insurance holder, I don't want to pay for your rental car or any of your loss of use.

ideally, we'd have lower basic insurance per vehicle and then let me pick and choose what i want under a personal umbrella policy for myself, not each car I own.

one snag with online renewals is that you don't get in front of that decent agent once in awhile that can really tell you what you have coverage for and what you do not. This is where their only commissions should come from (optional policies)