| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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08-06-2020, 10:25 AM
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#801
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Rs has made me the woman i am today!
Join Date: Jun 2006
Location: Burnaby
Posts: 4,074
Thanked 6,802 Times in 1,659 Posts
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Quote:
Originally Posted by Traum
Good luck if you get into any sort of accident. Basic liability coverage is only $500k, I think? I
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Basic 3rd party is $200K...which is worse. 2 million is likely the (practical) bare minimum.
Gerbs, this is insurance - for you know, unforeseen things happen. You will fuck yourself up for a loooong time if something happens. Better to save on other things than this...and like ^ said, if you can't afford it (and I say this without malice) you best take transit.
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08-07-2020, 06:19 AM
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#802
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Even when im right, revscene.net is still right!
Join Date: Oct 2012
Location: y
Posts: 1,331
Thanked 4,841 Times in 632 Posts
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Quote:
Originally Posted by Traum
Good luck if you get into any sort of accident. Basic liability coverage is only $500k, I think? If there are more than 2 persons getting injured, you are on the hook for their medical, recovery, and income replacement bills because that $500k coverage won't be enough.
Last I heard, bankruptcy is not a very nice thing. If you can't afford the extra liability coverage, perhaps taking transit is a better bet.
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Quote:
Originally Posted by 320icar
Minimum liability is 1mil IIRC
(Bonus fact, in some states with the ultra cheap “the general” insurance etc minimum liability is $5000)
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Basic TPL is $200k, that does not go far by any means. Any dollar over $200k will be personally pursued from you privately ie. assets or garnished from your wages. Good luck working for someone else for the rest of your life, starting from your first job out of school.
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08-07-2020, 08:13 AM
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#803
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I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007
Location: Vancouver BC
Posts: 22,232
Thanked 10,011 Times in 3,975 Posts
Failed 882 Times in 422 Posts
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i search (not sure if outdated) shows property dmg is capped at 20k, and i remember reading injuries has a new cap but can't find it, is that per claim or per person?
i assume everything over those will be pursued privately?
TPL not only covers the mishap you cause on other parties but also your passengers?
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08-07-2020, 08:27 AM
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#804
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Rs has made me the woman i am today!
Join Date: Jun 2006
Location: Burnaby
Posts: 4,074
Thanked 6,802 Times in 1,659 Posts
Failed 213 Times in 86 Posts
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Quote:
Originally Posted by twitchyzero
i search (not sure if outdated) shows property dmg is capped at 20k, and i remember reading injuries has a new cap but can't find it, is that per claim or per person?
i assume everything over those will be pursued privately?
TPL not only covers the mishap you cause on other parties but also your passengers?
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There's only a new cap on MINOR injuries, at $5500 per person involved (to my understanding). Anything that doesn't fall under minor, there's no cap.
There's no cap to property damage, but it all falls under liability insurance. I mean if you drive into a power pole, you're paying to repair that. Knocked out power to a factory because you drove into a pole, resulting in loss of work? You're on the hook for that as well.
From what I read, they pursue anything out of insurance through wage garnishes, etc.
TPL covers everybody involved in the accident other than you, including your own passengers.
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08-07-2020, 01:34 PM
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#805
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Rs has made me the man i am today!
Join Date: Sep 2004
Location: Canada
Posts: 3,345
Thanked 1,584 Times in 690 Posts
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Definition of minor in case you people are wAndering
https://www.icbc.com/claims/injury/P...-injuries.aspx
Better break a bone or you only get $5500
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12-14-2020, 01:22 PM
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#806
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what manner of phaggotry is this
Join Date: Nov 2001
Location: Kelownafornia
Posts: 18,285
Thanked 5,473 Times in 1,814 Posts
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holy shit
ICBC is applying to the B.C. Utilities Commission for a 20% decrease on basic and optional vehicle insurance as a result of ICBC's new enhanced care coverage. Customers can expect to save up to $400 by May 1, 2021.
https://www.castanet.net/news/BC/319...o-rated-refund
__________________
STRENGTHaesthetics
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12-14-2020, 01:32 PM
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#807
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RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011
Location: Richmond
Posts: 8,469
Thanked 14,968 Times in 3,904 Posts
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I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed.
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12-14-2020, 06:10 PM
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#808
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Willing to sell body for a few minutes on RS
Join Date: Aug 2004
Location: Duncan, BC
Posts: 10,128
Thanked 5,568 Times in 2,107 Posts
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Quote:
Originally Posted by 320icar
I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed.
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Ladner is still in the same ICBC rate territory as Richmond (Lower Mainland). Maple Ridge/Pitt Meadows (which cuts southwest between Surrey and Langley to White Rock) is the next ICBC rate territory then Fraser Valley (Langley-Chilliwack) to the east.
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12-14-2020, 07:41 PM
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#809
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OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2013
Location: revscene
Posts: 5,137
Thanked 5,536 Times in 1,974 Posts
Failed 180 Times in 78 Posts
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Quote:
Originally Posted by 320icar
I just renewed, went from ~221/mo to $215/mo and I moved from richmond to Ladner. Nothing else changed... thought it would be a bigger drop than that to be honest. Disappointed.
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I found this out when I had the M3 insured for the week. Richmond is actually one of the cheaper territories.. whereas Delta (North Delta) is more expensive than Richmond LOL wut
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
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12-14-2020, 07:44 PM
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#810
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OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2013
Location: revscene
Posts: 5,137
Thanked 5,536 Times in 1,974 Posts
Failed 180 Times in 78 Posts
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Quote:
Originally Posted by SSM_DC5
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As of April 1, 2020, it's actually $5,627 now. As per my adjuster since I just signed my payout two weeks ago.
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
Last edited by BIC_BAWS; 12-14-2020 at 09:54 PM.
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12-14-2020, 08:38 PM
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#811
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Rs has made me the man i am today!
Join Date: Jan 2005
Location: North Vancouver
Posts: 3,172
Thanked 1,782 Times in 638 Posts
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Quote:
Originally Posted by BIC_BAWS
I found this out when I had the M3 insured for the week. Richmond is actually one of the cheaper territories.. whereas Delta (North Delta) is more expensive than Richmond LOL wut
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Richmond has terrible drivers but don't forget a lot of them are so scared they drive so slow = cheap accident repairs... just a lot of them 
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12-14-2020, 11:10 PM
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#812
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Orgasm Donor & Alatar owned my ass twice!
Join Date: Apr 2014
Location: Van
Posts: 6,767
Thanked 2,734 Times in 1,484 Posts
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I call BS, every year icbc says they will be cheaper. Like the designated driver system that they just put in place. My insurance was higher than last year cuz they jacked up the base rate.
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12-15-2020, 06:38 AM
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#813
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I subscribe to Revscene
Join Date: Mar 2005
Location: Vancouver
Posts: 1,997
Thanked 5,299 Times in 1,208 Posts
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https://www.cbc.ca/news/canada/briti...2022-1.5837824
is there finally a chance that i'll be able to move a plate around different cars without visiting an agent?
i know ICBC will never create a workable fleet policy for enthusiasts - but this could be something.
__________________
Quote:
Originally Posted by westopher
replace that wood for who gets producer the wood.
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12-15-2020, 06:38 AM
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#814
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RS has made me the bitter person i am today!
Join Date: Jan 2012
Location: PENIS
Posts: 4,810
Thanked 4,685 Times in 1,540 Posts
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cheaper for old people
young people gonna get raped
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There's a phallic symbol infront of my car
Quote:
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MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
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bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
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12-15-2020, 10:14 AM
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#815
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RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011
Location: Richmond
Posts: 8,469
Thanked 14,968 Times in 3,904 Posts
Failed 471 Times in 216 Posts
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Quote:
Originally Posted by yray
cheaper for old people
young people gonna get raped
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Even worse than they are now?
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12-15-2020, 11:59 AM
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#816
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Head of HR....have a seat on that couch
Join Date: Jan 2003
Location: Coquitlam
Posts: 21,878
Thanked 15,606 Times in 4,325 Posts
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Quote:
Originally Posted by The Producer
i know ICBC will never create a workable fleet policy for enthusiasts - but this could be something.
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Afaik we're the only province that doesn't have this. Like an umbrella policy that goes with the plates.
Why the fuck should I be paying 4 independent policies for 4 cars, if I'm the only driver? What a fucking joke.
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feedback
Originally posted by v.b.
can we stop, my pussy hurts...
Originally posted by asian_XL
fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
Originally posted by Fei-Ji
haha i can taste the cum in my mouth
Originally posted by FastAnna
when I was 13 I wanted to be a video hoe so bad
RSUV #7
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12-15-2020, 01:47 PM
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#817
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what manner of phaggotry is this
Join Date: Nov 2001
Location: Kelownafornia
Posts: 18,285
Thanked 5,473 Times in 1,814 Posts
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Online renewals is good and bad.
For the average person, a simple renewal should be able to be done online. However I think alot of people don't give enough thought to the fact that those couple of pieces of paper in your glovebox are an incredibly complex legal document and the autoplan agent that guided you thru your policy has at least some idea of how it works.
If it was all online only, how many idiots would be buying absolute minimum liability policies and no optional coverages because all they look at is the price and then cry and moan they didn't understand when they get in an accident, or worse, get sued for more than their coverage.
__________________
STRENGTHaesthetics
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12-15-2020, 01:58 PM
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#818
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OMGWTFBBQ is a common word I say everyday
Join Date: Dec 2002
Location: YVR/TPE
Posts: 5,220
Thanked 3,282 Times in 1,453 Posts
Failed 685 Times in 223 Posts
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^
I think this is a problem when there are several insurance companies. And one needs to be sure they are comparing apple to apple.
ICBC has a monopoly (for basic insurance at least) in the province, and the wordings can be simple enough. If they wanted someone to double check on something, they could always add another "verification" step so that they read a tl;dr version, which is the same version insurance broker would say anyway.
It's time for ICBC to move digital. My f&f down south can't believe I still have to go into a branch to get insurance. For them it's a call away.
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Nothing for now
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12-15-2020, 05:28 PM
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#819
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RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011
Location: Richmond
Posts: 8,469
Thanked 14,968 Times in 3,904 Posts
Failed 471 Times in 216 Posts
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Quote:
Originally Posted by RRxtar
Online renewals is good and bad.
For the average person, a simple renewal should be able to be done online. However I think alot of people don't give enough thought to the fact that those couple of pieces of paper in your glovebox are an incredibly complex legal document and the autoplan agent that guided you thru your policy has at least some idea of how it works.
If it was all online only, how many idiots would be buying absolute minimum liability policies and no optional coverages because all they look at is the price and then cry and moan they didn't understand when they get in an accident, or worse, get sued for more than their coverage.
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Not sure why you’re assuming it’s switching to an *online only* system. We just want the option to do some simple stuff online
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12-15-2020, 07:10 PM
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#820
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Willing to sell body for a few minutes on RS
Join Date: Aug 2004
Location: Duncan, BC
Posts: 10,128
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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Quote:
Originally Posted by 320icar
Not sure why you’re assuming it’s switching to an *online only* system. We just want the option to do some simple stuff online
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Like renew insurance with the same coverage. Should only have to go in if changing coverage or insuring a new/different vehicle.
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12-15-2020, 08:52 PM
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#821
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Orgasm Donor & Alatar owned my ass twice!
Join Date: Apr 2014
Location: Van
Posts: 6,767
Thanked 2,734 Times in 1,484 Posts
Failed 247 Times in 152 Posts
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^^ this. As I don't think I've changed my policy for like 5 years. Unless icbc forces some change. It's not like you will jump between liabilities every year. I really want to have some sort of fleet policy so I can afford to insure all my cars at once 
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12-15-2020, 09:46 PM
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#822
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I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007
Location: Vancouver BC
Posts: 22,232
Thanked 10,011 Times in 3,975 Posts
Failed 882 Times in 422 Posts
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or self-serve TOP online
or carry insurance pdf on your mobile device
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12-15-2020, 10:51 PM
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#823
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Need to Shave n Shower, but I CANT STOP POSTING ON RS
Join Date: Apr 2007
Location: Okanagan
Posts: 17,609
Thanked 10,429 Times in 4,558 Posts
Failed 435 Times in 233 Posts
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Self-serve TOP's would be fantastic. Half the time it takes longer to go get the TOP than it does taking the car wherever it's going.
__________________
1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed]
Quote:
Originally Posted by maksimizer
half those dudes are hotter than ,my GF.
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Quote:
Originally Posted by RevYouUp
reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z
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Quote:
Originally Posted by Good_KarMa
OH thank god. I thought u had sex with my wife. :cry:
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12-16-2020, 07:18 AM
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#824
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what manner of phaggotry is this
Join Date: Nov 2001
Location: Kelownafornia
Posts: 18,285
Thanked 5,473 Times in 1,814 Posts
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Thats why I said a renewal should be able to be done online.
__________________
STRENGTHaesthetics
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12-16-2020, 07:38 AM
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#825
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I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 39,479
Thanked 16,089 Times in 6,561 Posts
Failed 2,165 Times in 747 Posts
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I’m hoping the online portal will be able to do day permits
Hate having to insure my truck to drive it twice a month due to the inconvenience of having to go in and get a day permit..
__________________
Dank memes cant melt steel beams
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