Fucking ICBC
Jeff Vouladakis
Thats what you get living in a socialist police state!!
Jeff
em <r...@privacyx.com> wrote in message
news:KpsU3.35640$Rx2.3...@news1.rdc1.bc.home.com...
> > Fuck you ICBC dipshits. Get a real job fuckheads.
> >
>
> i'll most definitely drink to that. the deductibles are ridiculous. what
are
> the people in the US charged? think about that.
>
>
Stephen Cheok
>I pay $1350 in insurance premiums per year every year.
>
>I get hit today - not my fault at all - the first time ever in 10 years.
>
>*I* have to pay $300 deductable.
If it isn't your fault, that $300 deductible will be given back to you by
ICBC. You had to pay it to get your car fixed from the autobody/mechanic.
You got an appointment with an ICBC adjuster right away? The decision was
already made on who's fault it was? That's fast.
However, if ICBC has changed it's policy.. oh well.
sc
--
Stephen Cheok <dr...@vcn.bc.ca> OR <dr...@SPAMO.yahoo.com>
http://surf.to/drcpu/ + ICQ UIN: 7372367
PGP Key ID (DH/DSS): 0x26D5256C + PGP Key ID (RSA/2048): 0x0D7F57F9
PGP Public Keys: http://gix.8m.com/pgpkeys.html
"He with the most toys wins or at least has the most fun."
fba...@my-deja.com
I get hit today - not my fault at all - the first time ever in 10 years.
*I* have to pay $300 deductable.
So, for driving safely for 10 years, and then have someone hit me, I get
the privilege of paying over $15000.
Fuck you ICBC dipshits. Get a real job fuckheads.
Sent via Deja.com http://www.deja.com/
Before you buy.
gromit
changed to some sort of new revenue generating system????
<fba...@my-deja.com> wrote in message news:7vtg7l$qjp$1...@nnrp1.deja.com...
em
>
i'll most definitely drink to that. the deductibles are ridiculous. what are
CBB
Jeff Vouladakis wrote:
>
> British Columbians are out of their mind paying the insurance rates they do!
The reason why insurance rates are as high as they are in the
Lower Mainland is because motorists keep running into each other.
If they would stop doing that, our rates would fall.
I know this from experience. When I lived in Field, BC, my
insurance rates were almost identical to those for Alberta
drivers 28 km away. It is because the accident rate is much lower
in that area, than it is in the Vancouver area.
Colin
--
Colin Brander c...@canada.com
===================================================================================
"I believe in the goodness of a free society. And I believe that
society can remain good only as long as we are willing to fight
for it -- and to fight against whatever imperfections may
exist." - Jackie Robinson
===================================================================================
Dave 2
>
> fba...@my-deja.com wrote in <7vtg7l$qjp$1...@nnrp1.deja.com>:
>
> >I pay $1350 in insurance premiums per year every year.
> >
> >I get hit today - not my fault at all - the first time ever in 10 years.
> >
> >*I* have to pay $300 deductable.
>
> ICBC. You had to pay it to get your car fixed from the autobody/mechanic.
>
> You got an appointment with an ICBC adjuster right away? The decision was
> already made on who's fault it was? That's fast.
>
> However, if ICBC has changed it's policy.. oh well.
Yes, it *does* seem rather quick, doesn't it?
Assuming this poster is on the up-and-up, it could be that the person that hit
him was not insured by ICBC (ie, out-of-province). In that case, you may be
on your own until the claim is settled.
fbagner, what coverage do you have? "Collision"?
--
Happiness is a fresh TripTik.
Warning: Address has been modified.
William Lawrence England
: I pay $1350 in insurance premiums per year every year.
: I get hit today - not my fault at all - the first time ever in 10 years.
: *I* have to pay $300 deductable.
: the privilege of paying over $15000.
Would car insurance be better served as a private sector initative?
--
Bill England
Engineering Science Undergraduate
Simon Fraser University
weng...@sfu.ca
http://www.sfu.ca/~wengland
Mr. Mike
>I pay $1350 in insurance premiums per year every year.
>
>I get hit today - not my fault at all - the first time ever in 10 years.
>
>*I* have to pay $300 deductable.
What are you complaining about? Weren't you aware of this possibility
when you set up your insurance? If you have collision, you normally
have a deductible ($100 was the figure I dealt with some years ago),
but if it is not your fault, then you get that money back.
If you don't have collision, then you probably have to pay $300.
Quite simple.
Mr. Mike
>If it isn't your fault, that $300 deductible will be given back to you by
>ICBC. You had to pay it to get your car fixed from the autobody/mechanic.
It has not been determined if this person has collision. If they
don't, they have to pay the $300 deductible no matter what (I think).
Dave 2
A little too simple.
When I had a 0% at fault accident years ago, I didn't have to pay *anything*
to get my car fixed in the first place. ICBC (who insured the car that
rear-ended me at the stop sign) payed up front. I didn't have collision
(which isn't necessary in these cases, when the other party is 100% at fault.
In this case, it's the other guy's compulsory insurance that covers the cost
of repairs.
Now, if the other party is insured by someone *other* than ICBC...
Predaking
it in for Air Care, while I see some 20yrs old Volvo spitting out black
smoke everyday on the road. Sometimes it's so bad that I have to change
lane cause I can't breath any more. If the purpose for Air Care is to
reduce Air polution it's not working, but if it's there for ICBC to dig
into our pocket book then it is working.
Sadly my car pass by a big margin, even the guy who tested the car said
with these numbers you shouldn't even be here until atleast another 2-3
yrs..but I told him, it's true but sad that I'll be back next year.
ICBC and the NDP has one thing in common, they're good at reaching into
our ever small empty pocket.
fba...@my-deja.com wrote:
>
> I pay $1350 in insurance premiums per year every year.
>
> I get hit today - not my fault at all - the first time ever in 10 years.
>
> *I* have to pay $300 deductable.
>
> So, for driving safely for 10 years, and then have someone hit me, I get
> the privilege of paying over $15000.
>
> Fuck you ICBC dipshits. Get a real job fuckheads.
>
Robert Annandale
Totally not my fault. This was less than a year ago.
The damage according to estimate was 1600 smackaroos.
I did not pay a dime, but it was a pain in the ass having to
drive a pathetic underpowered station wagon for a month.
I honestly cannot tell you what my policy is.
Its in the car and I'm too lazy to walk down there and check it out.
Regards,
RBA
Dave Martindale
>Now, if the other party is insured by someone *other* than ICBC...
Yes. I had an accident a couple years ago. ICBC assessed it as 100%
the other guy's fault (opposite direction, turned left in front of me).
The other driver was from Ontario, driving a car leased in Ontario.
I had to pay the deductible at the time of repair, and got it back
about 8 months later - when the other insurance company finally admitted
liability and paid up.
Dave
Paige Smyth
William Lawrence England <weng...@sfu.ca> wrote in message
news:7vv4qu$s84$1...@morgoth.sfu.ca...
> In bc.general fba...@my-deja.com wrote:
> : I pay $1350 in insurance premiums per year every year.
> : I get hit today - not my fault at all - the first time ever in 10 years.
> : *I* have to pay $300 deductable.
> : So, for driving safely for 10 years, and then have someone hit me, I get
> : the privilege of paying over $15000.
> : Fuck you ICBC dipshits. Get a real job fuckheads.
>
>
>
> --
> Bill England
> Engineering Science Undergraduate
> Simon Fraser University
> weng...@sfu.ca
> http://www.sfu.ca/~wengland
>
new VW BUG - $3000 off the lot) Private insurance companies wanted $2000
annual fee for a 20 year old male. I worked for the government for $454/mo.
(before the union came in). I was forced to "sell" my car to friend of my
mothers and borrow it back. Probably not legal but ingenuity wins out every
time. I for one was incredibly pleased with the arrival of ICBC and having
the opportunity to legally insure my own vehicle for less than a months
gross pay.
Fat Pat
> I pay $1350 in insurance premiums per year every year.
I've been amazed by this for some time now. I pay about the same as this. Funny thing
is, I pay less per year for my friggin' house insurance, than I do for my truck
insurance!
Fatpat
Ken Flanagan
>I've been amazed by this for some time now. I pay about the same as this. Funny thing
>is, I pay less per year for my friggin' house insurance, than I do for my truck
>insurance!
Ah, but we're talking risk here. A house never moves (in most cases
anyways), so the chances of damage occurring to it is MUCH less than
with a vehicle.
Evil Vengence
> > Bill England
> > Engineering Science Undergraduate
> > Simon Fraser University
> > weng...@sfu.ca
> > http://www.sfu.ca/~wengland
> >
> Hard to say, I recall trying to get insurance on a new car in 1973 (A
shiny
> new VW BUG - $3000 off the lot) Private insurance companies wanted $2000
> annual fee for a 20 year old male. I worked for the government for
$454/mo.
> (before the union came in). I was forced to "sell" my car to friend of my
> mothers and borrow it back. Probably not legal but ingenuity wins out
every
> time. I for one was incredibly pleased with the arrival of ICBC and
having
> the opportunity to legally insure my own vehicle for less than a months
> gross pay.
something.
>
>
Evil Vengence
do!
>
en...@home.com
>
>
>Jeff Vouladakis wrote:
>>
>> British Columbians are out of their mind paying the insurance rates they do!
>
>The reason why insurance rates are as high as they are in the
>Lower Mainland is because motorists keep running into each other.
>If they would stop doing that, our rates would fall.
>
Nope. I have lived in New Zealand, Australia and BC Canada. The car
insurance rates here alot higher than I have paid anywhere else.
ICBC is an inefficiently run government corporation that has no real
competition. It's legal theft. If any business that had competition
ran their business and treated their customers they way ICBC do, they
would be out of business in no time. Most times I have had to deal
with ICBC I have had rude, ignorant people to deal with.
Steve
CBB
And what are the accident rates in areas where you had cheaper
insurance and what part of BC are you insured in? Also, do you
have ICBC's 40% safe driver discount?
It is because people in the Lower Mainland are such horrible
drivers that the rates in Vancouver are substantially higher than
most other areas of the province. You can ask ICBC about this if
you don't believe me.
fba...@my-deja.com
perhaps i should've been a little clearer in the original post, but my
blood was boiling.
as for what am i complaining about - it was a fucking hit and run. i
parked in a parking lot and somebody hit my car and ran off.
so i haven't done a single thing wrong and then ICBC tells me that
because the guy ran off and they can't catch him (the cops at the claim
centre didn't even look at my car (they said they would when i first
called in) that it's too bad.
its no longer a $100 deductible for your info. it's $200 if you pay a
higher premium, or $300 if you want to reduce your ridiculously inflated
premium in the first place. i wouldn't mind a graduated payment scheme
of $100 for the first claim, and then more to avoid people scamming the
system, but it's a $300 hit each and every time.
my beef is that i haven't done a *single* thing wrong, yet i'm out of
pocket because some fuckhead pisses off from the scene of the crime (it
is a crime to do a hit and run), i pay $1300 for *insurance* for these
kind of events, and then a government monopoly that pays people to
shuffle paper tells me *i* have to pay an additional $300 if want to
have my car fixed.
that's what i'm complaining about.
> What are you complaining about? Weren't you aware of this possibility
> when you set up your insurance? If you have collision, you normally
> have a deductible ($100 was the figure I dealt with some years ago),
> but if it is not your fault, then you get that money back.
>
> If you don't have collision, then you probably have to pay $300.
>
> Quite simple.
>
>
fba...@my-deja.com
insure to the back teeth. it's compulsory 3rd party (say $400), and
then the rest is up to you to get from priat insurers.
here i'm trying to go cheap with a monopoly, ergo you can't.
icbc is a monopoly and a government-run one at that. there is no reason
for improvement from them, and no reason to offer any financial
incentive to drive better.
i've always noticed that the only people that read their literature and
take notice of their ads are those that drive carefully already.
you really have to hit those people hard that drive poorly. that's the
bottom line. otherwise, 95% of the population will continue to be
paying insurance for the 5% that don't have a fucking clue.
> Nope. I have lived in New Zealand, Australia and BC Canada. The car
> insurance rates here alot higher than I have paid anywhere else.
> ICBC is an inefficiently run government corporation that has no real
> competition. It's legal theft. If any business that had competition
> ran their business and treated their customers they way ICBC do, they
> would be out of business in no time. Most times I have had to deal
> with ICBC I have had rude, ignorant people to deal with.
fba...@my-deja.com
superstore on granville at 10:30 am thursday nov 04 99.
my beef is that *i* have to pay money for something that is totally not
my fault. shouldn't an insurance company have some kind of idea that a
person who has never ever made a claim in the last 10 years is telling
the truth? i'm tempted to go and debate this with icbc.
> If it isn't your fault, that $300 deductible will be given back to you
by
> ICBC. You had to pay it to get your car fixed from the
autobody/mechanic.
>
> You got an appointment with an ICBC adjuster right away? The decision
was
> already made on who's fault it was? That's fast.
> However, if ICBC has changed it's policy.. oh well.
fba...@my-deja.com
crown corp.? i don't feel that the liberals wil be able to change
things that much more - the labour movement will see to that.
i think living in bc breeds apathy... people are comfortably numb
here.
> I know how you feel. My car is brand new 1998 but I still have to take
> it in for Air Care, while I see some 20yrs old Volvo spitting out
black
> smoke everyday on the road. Sometimes it's so bad that I have to
change
> lane cause I can't breath any more. If the purpose for Air Care is to
> reduce Air polution it's not working, but if it's there for ICBC to
dig
> into our pocket book then it is working.
>
> Sadly my car pass by a big margin, even the guy who tested the car
said
> with these numbers you shouldn't even be here until atleast another
2-3
> yrs..but I told him, it's true but sad that I'll be back next year.
>
> ICBC and the NDP has one thing in common, they're good at reaching
into
> our ever small empty pocket.
fba...@my-deja.com
don't know since this is the first time i've had to make a claim. as in
some recent posts, i'm sorry that i forgot to add that it was a hit and
run.
i have collision coverage at $300 and comprehensive at $100.
the stupid thing is that acts of vandalism have a deductible of $100, so
i wondered if i had claimed it as such, i'd have at least $200 more in
my pockets...
> Yes, it *does* seem rather quick, doesn't it?
>
> Assuming this poster is on the up-and-up, it could be that the person
that hit
> him was not insured by ICBC (ie, out-of-province). In that case, you
may be
> on your own until the claim is settled.
>
> fbagner, what coverage do you have? "Collision"?
Bill
> > insurance rates here alot higher than I have paid anywhere else.
> > ICBC is an inefficiently run government corporation that has no real
> > competition. It's legal theft. If any business that had competition
> > ran their business and treated their customers they way ICBC do, they
> > would be out of business in no time. Most times I have had to deal
> > with ICBC I have had rude, ignorant people to deal with.
I find ICBC to be fair. The reason it is higher is because everyone pays
about the same rate whether you are 18 or 55.
>
> And what are the accident rates in areas where you had cheaper
> insurance and what part of BC are you insured in? Also, do you
> have ICBC's 40% safe driver discount?
>
> It is because people in the Lower Mainland are such horrible
> drivers that the rates in Vancouver are substantially higher than
> most other areas of the province. You can ask ICBC about this if
> you don't believe me.
More cars driving so close in proximity equals greater chance of collision.
Throw 15 tennis balls on table and count how many times they collide, and
then throw 3 balls and count how many times they collide. Accidents do
happen, absent minded, tired, weather, car problems etc.
Joe Mildenberger
fba...@my-deja.com wrote:
>
>
> its no longer a $100 deductible for your info. it's $200 if you pay a
> higher premium, or $300 if you want to reduce your ridiculously inflated
> premium in the first place. i wouldn't mind a graduated payment scheme
> of $100 for the first claim, and then more to avoid people scamming the
> system, but it's a $300 hit each and every time.
>
Well, I don't the details about your policy, but it sounds pretty
standard to me. You could expect to pay a lot of money for
zero-deductible vandalism protection. Secondly, of the $1300 you pay, if
you looked up the item on your bill, you would find that the actual cost
of the vandalism protection is a relatively minor part of the cost. Most
of the cost will be for third-party liability and collision insurance.
Joe
Stephen Cheok
>on the up-n-up, i'm not, but it seems like they've got fast service.
>don't know since this is the first time i've had to make a claim. as in
>some recent posts, i'm sorry that i forgot to add that it was a hit and
>run.
>
>i have collision coverage at $300 and comprehensive at $100.
Hit and run right? I have a friend who also made a claim for a hit-n-run.
In fact, it was while he was driving. Some drunk smashed into his side and
broke off the side-view mirror. He called the polic right away since he
had a cell phone. He also tried to get the driver's attention, but seeing
that the other guy was drunk and probably had no idea why some "crazy" guy
behind him keeps on honking at him, he simply drove faster away. (My
friend got the guy's license plate number.)
Well, two days later after he got an appointment with ICBC, they said that
it's 100% his fault (my friend not the drunk). My friend could not prove
that it was a hit-n-run unless the other guy (the drunk truck driver) said
that he hit my friend's car. Yeah, that's how ICBC works. My friend
should of sued, but it would of been a waste of time and money. He ended
up paying the $200 or $300 deductible.
Moral of the story: If you got a hit-n-run claim, make sure you have a
witness. Pull anyone off the street and ask him/her to be your witness.
Do not make a claim before finding a witness. Otherwise, you're paying
'cuz ICBC isn't.
Though.. I don't know how you got an appointment that fast. It usually
takes a day (ie., you get hit yesterday or yesterday night, you get your
earliest appointment the next day in the morning or afternoon). Then
again, perhaps it's all these quick decisions by ICBC (ie., it's your
fault) that is speeding up all these claim process. =8)
sc
--
Stephen Cheok <dr...@vcn.bc.ca> OR <dr...@SPAMO.yahoo.com>
http://surf.to/drcpu/ + ICQ UIN: 7372367
PGP Key ID (DH/DSS): 0x26D5256C + PGP Key ID (RSA/2048): 0x0D7F57F9
PGP Public Keys: http://gix.8m.com/pgpkeys.html
"He with the most toys wins or at least has the most fun."
Ken Flanagan
>in my native australia, a new $20,000 car cost my mum $750 to fully
>insure to the back teeth. it's compulsory 3rd party (say $400), and
>then the rest is up to you to get from priat insurers.
Uh, ICBC doesn't require you to buy all the insurance from them
either. You can go to a third party for the optional coverage.
Dave Martindale
>my beef is that i haven't done a *single* thing wrong, yet i'm out of
>pocket because some fuckhead pisses off from the scene of the crime (it
>is a crime to do a hit and run), i pay $1300 for *insurance* for these
>kind of events, and then a government monopoly that pays people to
>shuffle paper tells me *i* have to pay an additional $300 if want to
>have my car fixed.
If you didn't have any collision insurance (which would save you a lot
of money), you'd have to pay for the entire repair yourself - or drive
the car with the damage. Is that fair? Certainly not. But unless
they catch the guy who did it, nobody else is responsible for paying.
Life is just unfair.
To avoid the chance of this happening to you, you buy collision
insurance. You picked insurance with a $300 deductible, so ICBC
agrees to fix your car when it's damaged, except for $300 of the
cost. You could have paid more and gotten a lower deductible, but
you didn't. ICBC is keeping their end of the bargain. No other
insurance company would pay the entire cost of a repair, when you
hadn't paid them for that coverage, just because it's really all
someone else's fault. Insurance simply doesn't work that way.
Dave
kim
and pontificated:
>I pay $1350 in insurance premiums per year every year.
>
>I get hit today - not my fault at all - the first time ever in 10 years.
>
>*I* have to pay $300 deductable.
What happened? Were you held responsible? Or once they get their
act together, will the reimburse you?
>So, for driving safely for 10 years, and then have someone hit me, I get
>the privilege of paying over $15000.
>
>Fuck you ICBC dipshits. Get a real job fuckheads.
Impossible. Be grateful they aren't on welfare.
Kim
Ba
for. With a 40% discount and Roadstar status I was paying ~900$ per year for
insurance. In other words around 40% of the worth of the vehicle every year.
From ICBC figures I have seen quoted the majority of claims are paid out for
damage to the vehicle (including theft and vandalism), rather than personal
injury. Now, if my $2200 car gets a ding, or as did happen gets sideswiped by
a hit and run while parked in front of my house, it is not worth me paying the
deductible or making the effort to fix the POS car. But what about the folks
lucky enough to be able to afford a new Mercedes top of the line model
~165,000$ or even a typical SUV @ ~30,000$. Do these folks pay 66,000$ or
12,000$ respectively per year to insure their vehicles? Don't think so, and
you know damn well that if they even get a little scratch on the damn thing
they are running off to the body shop. Whaddya figure a new windshield for
that mercedes costs as opposed to say a windshield for an '89 K-car?
Personally if you are driving a vehicle of such ridiculous worth ICBC should
refuse to insure you period, except for 3rd party liability and personal
injury. It disgusts me to the point that I no longer own a vehicle,
fortunately I can get by without one. I have empathy for folks who need their
vehicle to earn their living, they pay through the nose to subsidize the
wealthy, but this is hardly news to most of us is it?
spud
fba...@my-deja.com wrote:
> I pay $1350 in insurance premiums per year every year.
>
> I get hit today - not my fault at all - the first time ever in 10
years.
>
> *I* have to pay $300 deductable.
>
get
> the privilege of paying over $15000.
>
> Fuck you ICBC dipshits. Get a real job fuckheads.
>
whiplash! whiplash!
Warren McKenzie
en...@home.com wrote:
>
> On Fri, 05 Nov 1999 05:24:37 GMT, CBB <c...@canada.com> wrote:
>
> >
> >
> >Jeff Vouladakis wrote:
> >>
> >> British Columbians are out of their mind paying the insurance rates they do!
> >
> >The reason why insurance rates are as high as they are in the
> >Lower Mainland is because motorists keep running into each other.
> >If they would stop doing that, our rates would fall.
> >
> Nope. I have lived in New Zealand, Australia and BC Canada. The car
> insurance rates here alot higher than I have paid anywhere else.
> ICBC is an inefficiently run government corporation that has no real
> competition. It's legal theft. If any business that had competition
> ran their business and treated their customers they way ICBC do, they
> would be out of business in no time. Most times I have had to deal
> with ICBC I have had rude, ignorant people to deal with.
>
> Steve
Apparently you never lived in BC during the pre ICBC days.
Warren McKenzie
Stephen Cheok wrote:
>
> fba...@my-deja.com wrote in <80264s$uu$1...@nnrp1.deja.com>:
>
> >on the up-n-up, i'm not, but it seems like they've got fast service.
> >don't know since this is the first time i've had to make a claim. as in
> >some recent posts, i'm sorry that i forgot to add that it was a hit and
> >run.
> >
> >i have collision coverage at $300 and comprehensive at $100.
>
> Hit and run right? I have a friend who also made a claim for a hit-n-run.
> In fact, it was while he was driving. Some drunk smashed into his side and
> broke off the side-view mirror. He called the polic right away since he
> had a cell phone. He also tried to get the driver's attention, but seeing
> that the other guy was drunk and probably had no idea why some "crazy" guy
> behind him keeps on honking at him, he simply drove faster away. (My
> friend got the guy's license plate number.)
>
> Well, two days later after he got an appointment with ICBC, they said that
> it's 100% his fault (my friend not the drunk). My friend could not prove
> that it was a hit-n-run unless the other guy (the drunk truck driver) said
> that he hit my friend's car. Yeah, that's how ICBC works. My friend
> should of sued, but it would of been a waste of time and money. He ended
> up paying the $200 or $300 deductible.
>
> Moral of the story: If you got a hit-n-run claim, make sure you have a
> witness. Pull anyone off the street and ask him/her to be your witness.
> Do not make a claim before finding a witness. Otherwise, you're paying
> 'cuz ICBC isn't.
Appears to me that if he only paid his deductible then ICBC DID pay.
Fid Bagner
gypped (sp?). Normal everyday people are paying big time for people
with more expensive cars, and when they have crashes, we subsidize the
cost of fixing up their cars.
The big beef is that we are *forced* to deal with a government monopoly
that engages in these practises. If we had a choice, and chose an
insurance company that only insured safe drivers, I'm sure I would be
paying fewer dollars for premiums and deductibles.
Mr. G.
I will now give you some well known facts that many people already know, and how others look the other way by burying their heads in the sand - the less intelligent or truthful person. Here is what victimization is, and many, like myself, have suffered at the hands of ICBC.
The results of all of this out right corruption and control of the Lawyers
and
Doctors by ICBC, was a reported cool cash cow of $5 Billion in 1994
and is
estimated to be close to $8 Billion dollars today. And who receive
the better part of any money you deserve? OF COURSE, THE DOCTORS
AND LAWYERS!!!
The average ICBC doctor, receive over $250,000.00 annually, for falsifying
medical reports - documented and detailed in many investigation, court
cases, and reported in the newspapers on the back pages, thanks to Conrad
Black who controls almost all of the BC MEDIA - newspapers and broadcast
news sources.
The lawyers are making 10 to 100 times that annually. Now
who's interest does ICBC serve? Now who's interest does a Lawyer
represent? Now who's interest does a Doctor represent? It all
comes down to what these professionals want in their pockets FIRST!!!
This has come about on the backs of victims like myself who have well
over ten year, unsettled claims.
This Corrupt Corporation actually was involved with breaking up my
family, as a
known practice of theirs, by consultation with my ex, before they helped
her divorce
me, in an effort to destroy my character - which has never been questioned
by
anyone in my past, or present. This is on top of loosing my business.
As a past professional, one can only dream of a life, after a serious
accident that
took everything away and left me bed ridden on an average of 16 hours
a day, never again to know what sleep is like, constant hourly pain from
FM/CFS, migraines that are so strong that my body goes into shock, herniated
neck disk, torn support tissue of the neck vertebrae, and a hour to hour
existence on Disability Welfare. Now they have you were they want
you!
The practice of ICBC is to have the Lawyers dictate their pay out schedule
(ICBC's), rather than represent you professionally or ethically, and
dictate to you
that you are not going to get anymore than what ICBC says you can receive.
Does Larceny start to mean anything, or the fixed insurance regime
of Ontario, I believe?
REMEMBER THAT ESTIMATED $ 8 Billion in the kitty. Then they go
and sock
it to the drivers with known high premiums and waist it on public relation
ad
campaigns to make them look like the good guys and Buy Off BCTV - "Now
The Road Report Brought to you by ICBC".
The rich and politically connected insurance clients, get multi- million
dollar pay outs,
out of court settlements undisclosed, while those who have never played
the
corruption game, receive the painful back burner treatment and the
destroy your claim acts with falsified reports and harassment - Victimization.
We knew this was going to happen, when the announcement, from the then
NDP
Government at the time, said they were going to create ICBC, to stop
the private
insurance companies from doing exactly what the BC Government wanted
to do.
The infamous bumper sticker says it all, "Don't steal! The Government
does not like competition", is a fact of life - and in addition, "Destroy
and Disrupt Society And We Are In Control". Didn't Hitler do this
to his own people - not before he made the decision to kill as many Jews
as he could get away with, in full view of the western world which stood
by and did little to stop it.
How many real citizens do we have left out there, today, who will think
before they mouth the words - "Oh, ICBC is doing such a good job"?
They are now legally in a conflict of interest by controlling and operating
the Motor Vehicle Branch, under that Act!!! No one says anything
about this operational corruption and deception.
Since when does an Insurance company control how you can operate a
vehicle, at the same time they control the Insurance to operate your vehicle???
Then there is the Court system that plays along with ICBC and the patriotic
Lawyers - come Judges.
Oh, the Judges are such an Honourable group of people, only in their
circles of society, and the tangled web they support of Legal and Political
Corruption goes on and on Autonomously without Justice or any scrutiny
for review or change because it would put this Honourable Bench person
, formerly a Lawyer, in Jail. When did they, or would they, ever
do that??? NEVER. And what do people have to say about
the good that ICBC does??? Does the words WAKE UP mean anything to
anyone???
Stephen Cheok wrote:
fba...@my-deja.com wrote in <7vtg7l$qjp$1...@nnrp1.deja.com>:
>I pay $1350 in insurance premiums per year every year.
>
>I get hit today - not my fault at all - the first time ever in 10 years.
>
>*I* have to pay $300 deductable.
If it isn't your fault, that $300 deductible will be given back to you by
ICBC. You had to pay it to get your car fixed from the autobody/mechanic.
You got an appointment with an ICBC adjuster right away? The decision was
already made on who's fault it was? That's fast.
However, if ICBC has changed it's policy.. oh well.
sc
Mr. G.
READ THIS COMMON KNOWLEDGE!
spud wrote:
In article <7vtg7l$qjp$1...@nnrp1.deja.com>,
fba...@my-deja.com wrote:
> I pay $1350 in insurance premiums per year every year.
>
> I get hit today - not my fault at all - the first time ever in 10
years.
>
> *I* have to pay $300 deductable.
>
> So, for driving safely for 10 years, and then have someone hit me, I
get
> the privilege of paying over $15000.
>
> Fuck you ICBC dipshits. Get a real job fuckheads.
>
> Sent via Deja.com http://www.deja.com/
> Before you buy.
Do what the ragheads do, hold the back of your neck and scream
whiplash! whiplash!
Sent via Deja.com http://www.deja.com/
Before you buy.
Mr. G.
Stephen Cheok wrote:
fba...@my-deja.com wrote in <7vtg7l$qjp$1...@nnrp1.deja.com>:>I pay $1350 in insurance premiums per year every year.
>
>I get hit today - not my fault at all - the first time ever in 10 years.
>
>*I* have to pay $300 deductable.
If it isn't your fault, that $300 deductible will be given back to you by
ICBC. You had to pay it to get your car fixed from the autobody/mechanic.
You got an appointment with an ICBC adjuster right away? The decision was
already made on who's fault it was? That's fast.
WHAT PLANET DO YOU LIVE ON! DID YOU EVER WAKE UP BEFORE, OR EVEN AFTER YOU LEFT SCHOOL? THIS IS SUPPOSED TO REPRESENT ICBC IN A GOOD LIGHT!!! IT SOUNDS LIKE YOU ARE A ICBC AGENT OR YOU HAVE RELATIVES WHO WORK FOR ICBC.
THERE IS NO JUSTIFICATION FOR THIS CORRUPTION THAT ICBC REAKS HAVOC ON THIS PROVINCES CITIZEN WHO BECOME VICTIMS OF THIERS'. WHAT A PETIOUS WEAK COMMENT THAT ONLY REVEALS BLIND STUPIDITY.
Mr. G.
ICBC HAS ALWAYS PLAYED GAMES WITH PEOPLE TO SEE HOW MUCH THEY CAN GET AWAY WITH. THEY ARE DISHONEST AND CORRUPT TO THE VERY CORE.
Dave 2 wrote:
Mr. Mike wrote:
>
> On Fri, 05 Nov 1999 02:43:01 GMT, fba...@my-deja.com wrote:
>
> >I pay $1350 in insurance premiums per year every year.
> >
> >I get hit today - not my fault at all - the first time ever in 10 years.
> >
> >*I* have to pay $300 deductable.
>
> What are you complaining about? Weren't you aware of this possibility
> when you set up your insurance? If you have collision, you normally
> have a deductible ($100 was the figure I dealt with some years ago),
> but if it is not your fault, then you get that money back.
>
> If you don't have collision, then you probably have to pay $300.
>
> Quite simple.
A little too simple.
When I had a 0% at fault accident years ago, I didn't have to pay *anything*
to get my car fixed in the first place. ICBC (who insured the car that
rear-ended me at the stop sign) payed up front. I didn't have collision
(which isn't necessary in these cases, when the other party is 100% at fault.
In this case, it's the other guy's compulsory insurance that covers the cost
of repairs.Now, if the other party is insured by someone *other* than ICBC...
--
Happiness is a fresh TripTik.
Warning: Address has been modified.
Mr. G.
these fools who believe that ICBC is a respectable Government run Insurance
Corporation.
The expression for such ignorance and short sighted is "Head in Sand"
attitude, until they become victims, then you hear the real cries of
Corruption from these supportive uneducated folk who lack any social
development - meaning they have not got a clue about what goes on in the
REAL WORLD.
fba...@my-deja.com wrote:
> firstly, thanks to all understanding folk.
>
> perhaps i should've been a little clearer in the original post, but my
> blood was boiling.
>
> as for what am i complaining about - it was a fucking hit and run. i
> parked in a parking lot and somebody hit my car and ran off.
>
> so i haven't done a single thing wrong and then ICBC tells me that
> because the guy ran off and they can't catch him (the cops at the claim
> centre didn't even look at my car (they said they would when i first
> called in) that it's too bad.
>
> its no longer a $100 deductible for your info. it's $200 if you pay a
> higher premium, or $300 if you want to reduce your ridiculously inflated
> premium in the first place. i wouldn't mind a graduated payment scheme
> of $100 for the first claim, and then more to avoid people scamming the
> system, but it's a $300 hit each and every time.
>
> my beef is that i haven't done a *single* thing wrong, yet i'm out of
> pocket because some fuckhead pisses off from the scene of the crime (it
> is a crime to do a hit and run), i pay $1300 for *insurance* for these
> kind of events, and then a government monopoly that pays people to
> shuffle paper tells me *i* have to pay an additional $300 if want to
> have my car fixed.
>
> that's what i'm complaining about.
>
> > What are you complaining about? Weren't you aware of this possibility
> > when you set up your insurance? If you have collision, you normally
> > have a deductible ($100 was the figure I dealt with some years ago),
> > but if it is not your fault, then you get that money back.
> >
> > If you don't have collision, then you probably have to pay $300.
> >
> > Quite simple.
> >
> >
>
Mr. G.
Dave Martindale wrote:
fba...@my-deja.com writes:
>my beef is that i haven't done a *single* thing wrong, yet i'm out of
>pocket because some fuckhead pisses off from the scene of the crime (it
>is a crime to do a hit and run), i pay $1300 for *insurance* for these
>kind of events, and then a government monopoly that pays people to
>shuffle paper tells me *i* have to pay an additional $300 if want to
>have my car fixed.
If you didn't have any collision insurance (which would save you a lot
of money), you'd have to pay for the entire repair yourself - or drive
Mr. G.
Fid Bagner wrote:
> Sent via Deja.com http://www.deja.com/
> Before you buy.
VERY TRUE!
READ THIS AND YOU WILL SMELL ICBC CORRUPTION!
ICBC is not to expect you to put out any money at all. The law and
Government guide lines requires ICBC to pay all of your cost promptly
without any
inconvenience to you!!!!!!! THIS IS WERE THE CORRUPTION BEGINS WITH ICBC.
I will now give you some well known facts that many people already know, and
how others look the other way by burying their heads in the sand - the
less intelligent or truthful person. Here is what victimization is, and
many, like myself, have suffered at the hands of ICBC.
The results of all of this out right corruption and control of the
Lawyers and Doctors by ICBC, was a reported cool cash cow of $5 Billion in
1994 and is
estimated to be close to $8 Billion dollars today. And who receive the
better part of any money you deserve?, OF COURSE, THE DOCTORS AND
LAWYERS!!! Oh, and while were on that item, only recently did the
provincial government attempt to put some of that money into General
Revenue, so that
they could line the pockets of their personal friends. They felt left out
of the loop!
The average ICBC doctor, receive over $250,000.00 annually, for
falsifying medical reports - documented and detailed in many investigation,
court cases, and
reported in the newspapers on the back pages - thanks to Conrad Black who
What do people have to say about the good that ICBC does??? Does the
Dave Martindale
>JOE AND DAVE HAVE JUST REVEALED WHO THEY WORK FOR!!!!
You have pretty bizarre logic. Because I point out that ICBC won't
pay your deductible in some circumstances, just like no other
insurance company I've ever dealt with, you conclude that I must
work for ICBC?
For everyone's information, I do not and have never worked for ICBC.
I just don't expect ICBC to pay for things that they have never
pretended to pay for. Anyone who believes that insurance companies
will pay for anything bad that happens to you probably also believes
in the Tooth Fairy.
By the way, posting HTML to Usenet is pretty pointless, and it wastes
network bandwidth. It also looks really ugly to some readers. Using
all caps looks ugly to *all* readers.
Dave
jeanette
insurance, then it will affect your driving record as well.
Hit and run -- you still have to pay a deductible. I know, because my
ex-Neighbour hit my car when I was parked on my property... I
couldn't prove it was them, because there was no witness, and they
weren't about to own up to it. Because it was listed as Hit and run,
it didn't affect my driving record or discount. I think the deductible
is to help discourage bogus claims.
Jeanette
Jim Garnett
<gtar...@junction.net> wrote:
>--------------12EADB440D046642D6C54212
>Content-Type: text/plain; charset=us-ascii
>Content-Transfer-Encoding: 7bit
>
>WHY ARE THERE SO MANY FOOLS IN THE APATHETIC SOCIETY OF BRITISH COLUMBIA!
>
And why do so many morons not know how to post to usenet properly?
--
----------------------------------------------------
Please note: Email address has be altered. To reply
personally, simply remove the first "j".
----------------------------------------------------
Mr. G.
dictate the term of use of the Internet. Your thoughts are very narrow
minded and shallow because you mist the point of this posting - no
perception maybe, or a follower of the Jones town bunch???
Jabberwocky
wrote:
>Here's a couple thoughts for the thread.....the last car I owned I paid 2200$
A few thoughts.. yes.. A few leaps of logic.. yes.. :-)
>for. With a 40% discount and Roadstar status I was paying ~900$ per year for
>insurance. In other words around 40% of the worth of the vehicle every year.
>From ICBC figures I have seen quoted the majority of claims are paid out for
>damage to the vehicle (including theft and vandalism), rather than personal
>injury. Now, if my $2200 car gets a ding, or as did happen gets sideswiped by
That's not quite how insurance works. Insurance is not based solely
on the value of your car and the damage you could do to it... A
significant portion also covers the probability of you driving into
another vehicle.. possibly the Mercedes or the SUVs you're
complaining about.
The Merecedes and the SUV owner do pay more insurance than you would
on your POS vehicle... but if you want to attach percentages to
everything, the rate difference is reflected in the portion that
covers damage to own vehicle. I don't think it's based strictly on
the dollar value of the vehicle. Things like relative safety of the
vehicle could work into their formula - luxury car vs. crap car
usually means better safety features - headlights, air bags, head
rests, crumple zones, etc.. not to mention in luxury owners would
tend to be more cautious about their driving than beater drivers
(which is why they always seem to drive so slow... ) .. in theory
anyways.
>you know damn well that if they even get a little scratch on the damn thing
>they are running off to the body shop. Whaddya figure a new windshield for
Yes, and paying the deductible every time. Add all that deductible
into their insurance, and they're paying a fortune...
PC
Jabberwocky
> By the way, posting HTML to Usenet is pretty pointless, and it wastes
> network bandwidth. It also looks really ugly to some readers. Using
> all caps looks ugly to *all* readers.
to which Mr. G responded...
>This is a open forum. Is your name Hitler, as a NDP, that you can
>dictate the term of use of the Internet. Your thoughts are very narrow
>minded and shallow because you mist the point of this posting - no
>perception maybe, or a follower of the Jones town bunch???
No, it's called netiquette. Anyone's who's spent any time online
knows they need to watch what they say and how they say it if they
want anyone to read it. This includes things like grammar (you don't
need to be perfect, but try to get close), not being offensive, not
using CAPS all the time, proper quoting, etc. The Internet is a great
forum for people to express their thoughts... but when you come
across as a raving lunatic.. no one's going to listen.
Food for thought - posting the same thing multiple times (in the 3rd
person at times) on several threads doesn't help matters any.
PC
Warren McKenzie
Ba
argument I have presented, and not carefully read the specifics I have
described, or I have not presented my thoughts clearly. Folks of limited means
pay a dsproportianate share of insurance premiums based on the fact that more
payouts from ICBC are for vandalism and theft than 3rd party liability. I do
agree that I could drive my POS car into a group of schoolchildren incurring
huge payouts for injury/death. So could the driver of said Mercedes. However
if my car is stolen or vandalized, the cost of restitution is minor as a
opposed to that of the aforementioned. Relative safety of the vehicle? Hmm,
specious argument here as most accident causes are not related to mechanical
failure or lck of safety features. If you have ever seen crash test results on
typical passenger vehicles in many cases the overpriced Eurotrash or SUV fares
worse then say a 1999 Neon.
Luxury vehicle owners are safer drivers? Ha ha ha ha ha ha ha ha ha ha. You
obviously have never witnessed the multitude of ninnies in downtown Vancouver
driving very expensive vehicles with all the lack of due care and attention
they would express if they were riding a merrygoround. Not to mention a
greater proportion of luxury vehicle drivers who also have a penchant for
talking on their cell phones while driving. On this point alone statistics
will prove me correct, I will not bother to relate anectodal evidence that I
have collected while sitting at a sidewalk cafe on Seymour St. during rush
hour. Do you honestly think the poor working putz that drives a bus for a
living with a perfect safety record suddenly abandons all caution when they
mount their own personal steed? Never mind the children of wealth with limited
driving experience who regularly total $30,000+ vehicles. Go look at a
wreckers yard sometime and you will see the results of such pompous arrogant
thoughts as you profess.
As far as deductibles are concerned who do you think can afford to pay them
with less financial strain than anyone else? The reason I did not have my car
repaired after a hit and run was not the threat of a fraud investigation, I
know an ICBC estimator and from the damage caused it would be practically
impossible for me to have faked my claim in his opinion. It was the deductible
that would have prevented me from eating for a week that caused me to
reconsider. Realize to a poor man a dollar is a fortune, to a rich man, a
lighter for his cigar.
Leaving the rules of logic totally in the dust I will hazard to express
another personal opinon. What drives the filthy rich mushheads to purchase
$30,000+ vehicles? Ego Ego Ego Ego ! I am sick of having to subsidize the
wealthy so that they may impress themselves with their own possesions, another
argument could easily be made on this basis regarding house insurance.
premiums.
Pheenster
wrote:
>Uh, ICBC doesn't require you to buy all the insurance from them
>either. You can go to a third party for the optional coverage.
Uh.....
I just got two cars insured in BC (moved from Ont.). The difference
between going with third party and Icky Bicky for the optional was $3
(that's THREE) dollars on a total of $2200. You might call that a
choice, but I don't.
Uh...
CBB
In other words, in your case, ICBC isn't such a bad deal after
all, at least not compared to private insurance.
Colin
--
Colin Brander c...@canada.com
===================================================================================
"I believe in the goodness of a free society. And I believe that
society can remain good only as long as we are willing to fight
for it -- and to fight against whatever imperfections may
exist." - Jackie Robinson
===================================================================================
Ba
>Well, 'Ba', it appears the only way you'll be happy is if you move to a
>communist country.
>
>I'll fill you in on a little secret:
>It won't be happening here any time soon.
>
>Better hurry, with this whole Air Canada thing going on, cheap ticket sales
>might not be on for much longer.
>
>I'm sure we'll all miss you. Ta.
>
>NOSPAMa...@hotmail.com (Ba) wrote in <382b0...@news.vphos.net>:
>>What drives the filthy rich mushheads to purchase $30,000+ vehicles?
>>Ego Ego Ego Ego ! I am sick of having to subsidize the wealthy so that
>>they may impress themselves with their own possesions, another argument
>>could easily be made on this basis regarding house insurance. premiums.
>>
>
of the thread is that ICBC is a state run monopoly, just as it would be in a
communist state. And just as it is in most communist states it is run for the
benefit of the ruling elite and the powerful. In the case of ICBC and as it is
in this country the ruling elite and the politically powerful are the wealthy.
If auto insurance was a truly competitive free enterprise affair in this
province I can assure you that premiums would closer reflect vehicle value. As
far as your previous statement that these folks pay large deductibles over and
over again a private insurance company would simply refuse to insure an unsafe
driver, unlike the current situation in BC where the incompetant and dangerous
simply pay a little more. For folks of lower income this means they simply
cannot afford to operate a vehicle whereas a truly incompetant and dangerous
driver of wealth still wreaks havoc on our roads. Don't think I'll be moving
any time soon pal, and unlike the greedy locusts who populate our world, after
they have cut down all the trees, fished all the fish, dug up all the rocks
and moved on to rape someone else's world, I will still be here. As the band
Aerosmith said.... EAT THE RICH !
Tri...@matrix.com
> Folks of limited means
>pay a dsproportianate share of insurance premiums based on the fact that more
>payouts from ICBC are for vandalism and theft than 3rd party liability.
Folks of limited means live in neighbourhoods where rates of vandalism and theft
are higher. The wealthy live in low crime 'hoods where their cars are kept in
garages greatly reducing the chances of such crimes.
> I do
>agree that I could drive my POS car into a group of schoolchildren incurring
>huge payouts for injury/death. So could the driver of said Mercedes. However
>if my car is stolen or vandalized, the cost of restitution is minor as a
>opposed to that of the aforementioned. Relative safety of the vehicle? Hmm,
>specious argument here as most accident causes are not related to mechanical
>failure or lck of safety features. If you have ever seen crash test results on
>typical passenger vehicles in many cases the overpriced Eurotrash or SUV fares
>worse then say a 1999 Neon.
SUV's/vans can be discounted from your argument since they are classed as
trucks and don't have to pass the same safety standards are other cars. Let's
see... you are about to be T-boned by red-light runner at an
intersection...would you rather be sitting in a Neon or a 'Eurotrash' with side
impact air bags?
> Luxury vehicle owners are safer drivers? Ha ha ha ha ha ha ha ha ha ha. You
>obviously have never witnessed the multitude of ninnies in downtown Vancouver
>driving very expensive vehicles with all the lack of due care and attention
>they would express if they were riding a merrygoround. Not to mention a
>greater proportion of luxury vehicle drivers who also have a penchant for
>talking on their cell phones while driving. On this point alone statistics
>will prove me correct, I will not bother to relate anectodal evidence that I
>have collected while sitting at a sidewalk cafe on Seymour St. during rush
>hour.
What stats? Everything you've quoted IS anecdotal. I've seen my fair share of
contractors in their work trucks or vans yapping away on their phones.
>Do you honestly think the poor working putz that drives a bus for a
>living with a perfect safety record suddenly abandons all caution when they
>mount their own personal steed?
After observing how some bus drivers conduct themselves while on duty, I don't
want to know how they drive when they're behind the anonymity of their personal
vehicle.
> Never mind the children of wealth with limited
>driving experience who regularly total $30,000+ vehicles. Go look at a
>wreckers yard sometime and you will see the results of such pompous arrogant
>thoughts as you profess.
I've seen a lot more cases of totalled shit-mobiles.
> As far as deductibles are concerned who do you think can afford to pay them
>with less financial strain than anyone else? The reason I did not have my car
>repaired after a hit and run was not the threat of a fraud investigation, I
>know an ICBC estimator and from the damage caused it would be practically
>impossible for me to have faked my claim in his opinion.
Let's not be naive..Any damage can be faked.
> It was the deductible that would have prevented me from eating for a week that caused me to
>reconsider. Realize to a poor man a dollar is a fortune, to a rich man, a lighter for his cigar.
> Leaving the rules of logic totally in the dust I will hazard to express
>another personal opinon. What drives the filthy rich mushheads to purchase
>$30,000+ vehicles?
Concern for the safety of their family?
> Ego Ego Ego Ego ! I am sick of having to subsidize the
>wealthy so that they may impress themselves with their own possesions, another
>argument could easily be made on this basis regarding house insurance.
>premiums.
Consider this; you can purchase a used luxury car for the price of a new
shit-box. For example, you can easily find nice samples of late-model used
Mercedes flagship models for less than the new price of a Neon or Hyundai.
Working class folks tend to know how to fix their own car, so service is a
non-issue. So, for the same or lesser price of a car that you would find
socially acceptable to purchase, one can have one that has much better safety,
performance, and longevity. Of course the only disadvantage of owning such a car
is putting up with envious whining from people that unknowingly can afford it
themselves or actually have crap-cars that they purchased new for even more
money.
kim
Business) stood on high and pontificated:
>NOSPAMa...@hotmail.com (Ba) wrote in <382d900f$1...@news.vphos.net>:
(snip)
>>If auto insurance was a truly competitive free enterprise affair in this
>>province I can assure you that premiums would closer reflect vehicle value.
>
>Why don't you assure me with some factual, verifiable data to back that up?
>
>Oh wait, I do have a friend in Northern California who drives a 1999 BMW 540I.
>The car is worth $64000USD, here the car would cost $80000CDN. He pays $804 a
>year. DAMN THOSE MONOPOL... er, wait. That's right. There's no monopoly down
>there.
Do they drive like loons down there?
Kim
Ba
>If you're asking if our drivers are 'special', then I'd have to say yes.
>
>I've never lived in a place where such spectacular travesties occur on an
>hourly basis.
>
>ki...@akamail.com (kim ) wrote in <382f45e2...@enews.newsguy.com>:
>>Do they drive like loons down there?
>>
>>Kim
greater....perhaps 1 per every 100 milliseconds. Maybe after I move to a
communist state you'll move to California?
Pheenster
On Fri. 12 Nov. 1999 03:10:20 GMT, nu...@null.null (Pheenster) (Me)
wrote:
>I just got two cars insured in BC (moved from Ont.). The difference
>between going with third party and Icky Bicky for the optional was $3
>(that's THREE) dollars on a total of $2200. You might call that a
>choice, but I don't.
After that, On Fri, 12 Nov 1999 22:43:47 -0800, Ken Flanagan
<kf...@mag-net.com> wrote:
>And how is that ICBC's fault? The fact of the matter is that you DO
>have a choice.
Then, on Sat, 13 Nov 1999 06:47:47 GMT, CBB <c...@canada.com> wrote:
>
>In other words, in your case, ICBC isn't such a bad deal after
>all, at least not compared to private insurance.
>
>Colin
Woooooooosh.....
Obviously, my point sailed completely over your heads. I'll restate
it in plain english:
We pay too much for insurance in this province. This is ICBC's fault,
because they have a monopoly.
You guys can't possibly say that ICBC doesn't compare badly to private
insurance...they have a monopoly on all the insurance you have to
carry, so they can cut the crap out of their prices for the insurance
you don't have to carry. The only way to fairly compare the two is on
a quote for all required insurace. I can tell you for a fact that
ICBC would lose a straight one-on-one comparison with any private
insurance company.
Pheenster
CBB
Pheenster wrote:
>
> OK let's reset this.....
> Woooooooosh.....
>
> Obviously, my point sailed completely over your heads. I'll restate
> it in plain english:
>
> We pay too much for insurance in this province. This is ICBC's fault,
> because they have a monopoly.
No, it is the bad driving habits of British Columbians in
general. We pay way to much in insurance, because we don't know
how to drive. ICBC has different rates in different areas of the
province. The Lower Mainland pays the highest rates (at least the
last time I checked), due to lousy drivers, congestion and high
rate of auto theft and break ins.
What area of the province do you live in and do you have the
maximum discount?
> You guys can't possibly say that ICBC doesn't compare badly to private
> insurance...they have a monopoly on all the insurance you have to
> carry, so they can cut the crap out of their prices for the insurance
> you don't have to carry. The only way to fairly compare the two is on
> a quote for all required insurace. I can tell you for a fact that
> ICBC would lose a straight one-on-one comparison with any private
> insurance company.
Yes, I can say from past experience that ICBC does compare. When
I lived in a boarder community, ICBC rates were comparable to
those of private insurance in Alberta.
Dave 2
>
> >Folks of limited means
> >pay a dsproportianate share of insurance premiums based on the fact that more
> >payouts from ICBC are for vandalism and theft than 3rd party liability.
Really? Do you have some numbers to back that up? It seems highly unlikely,
given that the cost of repairing bodies and lives is so much more than sheet
metal. No, I'm afraid that the original response is on the money, you pay the
same for 3rd party insurance based on the potential damage you can do *with*
your own car, not *to* your own car.
> > I do
> >agree that I could drive my POS car into a group of schoolchildren incurring
> >huge payouts for injury/death. So could the driver of said Mercedes. However
> >if my car is stolen or vandalized, the cost of restitution is minor as a
> >opposed to that of the aforementioned.
Which is why the Mercedes owner pays more for comprehensive insurance than you
do (if, indeed, you even bother to carry such coverage on a POS car).
Ba
>As nice as it would be to sell out and move to the States, Canada is still
>the place for me.
>
>Even if it does go full out Socialist. ;)
>
>NOSPAMa...@hotmail.com (Ba) wrote in <382f2...@news.vphos.net>:
>>For once I must agree with you NOYB, but the frquency is much
>>greater....perhaps 1 per every 100 milliseconds. Maybe after I move to a
>>communist state you'll move to California?
card. Sure would like to keep some of the money I earn. BTW I don't really
think that you've spelled socialist in the correct Canadian fashion. Seems the
way it is spelled here is F-A-S-C-I-S-T. Odd that I have more civil rights in
America as a Canadian than Canadians do in Canada. Love to hear you opine upon
that comment!
Ba
theft, vandalism, and vehicle damage, not 3rd party liability. For that we all
must share and I agree we must all share. Yes, I did carry comprehensive when
I owned a POS car, if it was damaged through my own error, ie without
collision insurance, I pay 100% rather than multiclaim drivers who simply pay
the deductible and carry on their merry way. What most fail to understand is
that my original point was a 165,000$ vehicle with a discount and full
coverage costs approx. 7200$/annum to insure, whereas I paid 900$ for minimal
coverage for my crapmobile. I do not argue that drivers of luxury autos pay
more, but do look at the proportions paid. Please don't ask me to provide
exact figures as they are readily available from any Autoplan broker, if you
are going to present an argument against my position, YOU do the research.
The fact remains that I do not own a motor vehicle of any kind any more so for
me the point is pointless, I have however enjoyed the discussion and will
henceforth let it rest. I am certainly not part of the problem but will
continue to chuckle at those who propose they have the solution. So pay up ya
little motorheads, and I will rest secure that if I get in an accident with
you, my chauffeur will deal with the matter, a reasonably well trained
BCTransit driver.
Dave 2
> According to past ICBC figures cited in their own TV ads 70% of claims are for
> theft, vandalism, and vehicle damage, not 3rd party liability.
Sigh. 3rd party liability INCLUDES vehicle damage. That's the damage "you" may
cause to other people or their property, and is part of your compulsory
insurance that you've paid $900 for.
But don't take my word for it. See http://www.icbc.com/auto/basic_f.html
(That "and vehicle damage" you've added to your earlier statement certainly
alters the
original assertion, which was that "more pay outs from ICBC are for vandalism
and theft than 3rd party liability.")
> For that we all
> must share and I agree we must all share. Yes, I did carry comprehensive when
> I owned a POS car, if it was damaged through my own error, ie without
> collision insurance, I pay 100% rather than multiclaim drivers who simply pay
> the deductible and carry on their merry way.
Now there's another problem with your scenario. At fault multiclaim drivers
don't simply pay the deductible and carry on their merry way. If they do
this, their premiums are increased by positions on the claim rated scale.
Clearly, the person who runs to ICBC to repair every single scratch is going
to be paying dearly for that privilege.
But don't take my word for it. See http://www.icbc.com/liabil/disc_f.html
> What most fail to understand is
> that my original point was a 165,000$ vehicle with a discount and full
> coverage costs approx. 7200$/annum to insure, whereas I paid 900$ for minimal
> coverage for my crapmobile. I do not argue that drivers of luxury autos pay
> more, but do look at the proportions paid.
Yes, I have. $900 for basic coverage for ANY car, crapmobile or not, is a
bargain. Whining about the value of your car vs. your premiums is silly, as
the value of your car is irrelevant when you look at what your $900 premium
is actually paying for!
> Please don't ask me to provide
> exact figures as they are readily available from any Autoplan broker, if you
> are going to present an argument against my position, YOU do the research.
Impolite response:
Translation: When I pull numbers out of my ass, it's up to you to verify that
I'm blowing smoke. :)
More polite response:
Sorry Ba, it doesn't work that way. It's up to you to back up your positions.
Otherwise, you can make any bald-faced assertion you like (such as that $7200
figure), without any responsibility for its accuracy.
> The fact remains that I do not own a motor vehicle of any kind any more so for
> me the point is pointless, I have however enjoyed the discussion and will
> henceforth let it rest.
At any rate, considering your premise was based on a misunderstanding about
where your money is going (that is, 3rd party liability does indeed include
damage you may cause to others), and since that has been cleared up, that may
just be a plan. :)
Darren Downs
You are not necessarily correct.
When looking at the cost of liability insurance you can not factor in the cost of
the
car. . . . . PERIOD. That is because you are not buying insurance to fix your
car
if you are at fault. Instead you are buying insurance to cover damage you cause
to other people's cars. Since the average car in B.C. is quite nice, then
everyone
pays more. That is because you are more likely to hit a nice car if all the cars
are
nice. Now if you drive a cheap car, it does not matter. You are still going to
hit a fairly nice car if you do hit one. Consider if no one in B.C. had a car
that was newer than 5 years old. Then our rates would be very low as to
fix any of the cars would not cost as much - - or they would be written off for
much less. Instead we are all at risk to hit BMW's, Mercedez, Lexus . etc. the
average car in Vancouver.
However - - look at the cost of collision insurance for your car compared to
a Lexus. Being an 89 K-Car, it would probably be about a rate category 5.
(ICBC has 19 rate categories that people pay for collision / comprehensive
insurance). I am not familiar with the rates - but expect to pay about 600-800
per year with no discount or 360-480 per year with discount. That would make
a total policy worth 1260-1380 in your case - - About average.
As for saying that since ICBC mostly pays to fix cars - - then the people with the
expensive cars should pay more - - That's true to an extent - - they pay more
for their collision / comprehensive. I think that category 19 pays about $2,000
per
year prior to discount for collision and comprehensive. That's quite low
(Ferraris, Top
model Mercedez / Lexus fall in that category). However, these drivers have much
more
at stake and will drive more carefully.
You are right to be upset - - - But we all pay for the right to drive in B.C.
amongst
all the nice new cars waiting for us to hit them - - even with our '79 LADA.
(Don't forget that we pay $0 registration compared to other jurisdictions).
Darren Downs
YVR SJC
Ba wrote:
> Here's a couple thoughts for the thread.....the last car I owned I paid 2200$
> for. With a 40% discount and Roadstar status I was paying ~900$ per year for
> insurance. In other words around 40% of the worth of the vehicle every year.
> From ICBC figures I have seen quoted the majority of claims are paid out for
> damage to the vehicle (including theft and vandalism), rather than personal
> injury. Now, if my $2200 car gets a ding, or as did happen gets sideswiped by
> a hit and run while parked in front of my house, it is not worth me paying the
> deductible or making the effort to fix the POS car. But what about the folks
> lucky enough to be able to afford a new Mercedes top of the line model
> ~165,000$ or even a typical SUV @ ~30,000$. Do these folks pay 66,000$ or
> 12,000$ respectively per year to insure their vehicles? Don't think so, and
> you know damn well that if they even get a little scratch on the damn thing
> they are running off to the body shop. Whaddya figure a new windshield for
Darren Downs
There is no way that that is true . . . Unless of course
he did get the minimum insurance - - which is $15,000 liability
no collision - - He could have paid even less than that.
I live here now and would love to have ICBC back.
- Less administrative nightmares
- More efficient overall to run one big company than several smaller
profit enterprises.
- My rate is $1,800 CAD / Year for less coverage than I paid
$1,555 in Canada for.
It's not as bad as you think
What is the registration tax in BC? $0 !!!!!!!!
What is it here for me? $500
What does your friend pay for his BMW - -
$1,500 / year. . . That's not even insurance.
You pay 2.13% of the Book value of your car EVERY YEAR
in taxes.
I appologize for yelling, but I don't think people have all the facts some
times.
Darren D
YVR SJC
None Of Your Business wrote:
> NOSPAMa...@hotmail.com (Ba) wrote in <382d900f$1...@news.vphos.net>:
>
>
Darren Downs
No one in BC pays more than $3,000 for full coverage with a 40% discount (Unless they have a $15
Million liability policy I suppose).
DD
gap...@vcn.bc.ca
P> I just got two cars insured in BC (moved from Ont.). The difference
P> between going with third party and Icky Bicky for the optional was $3
P> (that's THREE) dollars on a total of $2200. You might call that a
P> choice, but I don't.
I think that's called "cartel", not "choice", nu?
Isn't that the official reason why ICBC took over the auto insurance scamming
in B.C. years ago? Because there was a cartel anyway, and if anybody should
profit from activities that are questionable, it should be the government,
right? :P
Your friend,
<+]::-{(} ("Cyberpope")
(email: gap...@vcn.bc.ca)
(AOL Instant Messenger ID: Cyberpope67)
(Please with "gapope wrote...")
-=-
In essentials, unity;
In non-essentials, liberty;
in all things, charity. -- Baxter quoting Augustine
gap...@vcn.bc.ca
> NOSPAMa...@hotmail.com (Ba) wrote:
> > Folks of limited means
> >pay a dsproportianate share of insurance premiums based on the fact that
> Folks of limited means live in neighbourhoods where rates of vandalism and
> are higher. The wealthy live in low crime 'hoods where their cars are kept
> garages greatly reducing the chances of such crimes.
That works for justifying out-of-reach THEFT/Vandalism insurance for those "of
limited means", but the main costs are for collision and personal injury, nu?
Dave 2
>
>
> (Don't forget that we pay $0 registration compared to other jurisdictions).
>
You were doing fine up to this point, but a quick check reveals that we pay $53
for vehicle registration (a/k/a licensing, a/k/a tab fees)
>I live here now and would love to have ICBC back.
Erm, I could not find where "here" was in any of your reponses. OTOH, to wax
philisophic, don't we all live "here" :)
gap...@vcn.bc.ca
B> The fact remains that I do not own a motor vehicle of any kind any more so
B> me the point is pointless, I have however enjoyed the discussion and will
B> henceforth let it rest. I am certainly not part of the problem but will
B> continue to chuckle at those who propose they have the solution. So pay up
B> little motorheads, and I will rest secure that if I get in an accident wit
B> you, my chauffeur will deal with the matter, a reasonably well trained
B> BCTransit driver.
Not to mention the multi-tonned vehicle your 'chauffeur' is driving has its own
way of administering a financial penalty to those who go beyond stupid in their
driving recklessness!
Dave 2
>
>
> You are correct - - - I meant we pay essentially $0 (Compared to the
> insurance).
Ah... essentially zero. I'll have to remember that when I fill out my tax
return. :) :)
> Although in California and most other jurisdictions - -
> You pay based on value of car. So if you have a $100,000 car - you
> will pay over 2,000 per year in Registration fees.
> It's basically a capital tax.
Yeah, so I've heard... not sure on the 'most' though; I do recall a thread in
rec.autos.driving a few years ago, where people were comparing what their fees
were. Some were value based, some weren't. Don't feel like going on a snipe
hunt to find out if "most" is the correct term.
For example, in Washington, it's value based [1], whereas in Oregon, it's a
small flat fee like in BC. OTOH, Oregon has a state income tax, but
Washington does not. Moral: Their going to get you, one way or another.
> The Registration in BC is actually based on weight. There are two
> fees. I think that $53 is the higher one. If your car is really
> light, it will only be $40
Must be *really* light, I drive a fairly small car. (Saturn SC1)
> By the way - - California is Here!!!
>
> Car insurance is one of the many things that really bug me about
> California. Don't get me started on the so called long distance
> competition . I just spend (for the 3rd time) 1 hour on the phone with
> Sprint going through the telephone "Trees" to get my unexpectedly
> disconnected service reconnected.
Same thing here, w.r.t phone competition. Even in the local phone market,
Sprint is competing with Telus (formerly BC Tel), and some people have been
left without dial tone for days on end.
> Darren D.
[1], well, until Jan 1, 2000 at any rate, due to I-695
Mr. G. Tarling
personally!!
You sound like a raving lawyer lunatic.
Mr. G. Tarling
education of today is failing employers. Guess you have to work for the
University, because industry would not employ you in their immediate
working environment. It would have other employees throwing eggs at the
CEO.
Dave Martindale wrote:
> "Mr. G." <gtar...@junction.net> writes:
>
> >JOE AND DAVE HAVE JUST REVEALED WHO THEY WORK FOR!!!!
>
> You have pretty bizarre logic. Because I point out that ICBC won't
> pay your deductible in some circumstances, just like no other
> insurance company I've ever dealt with, you conclude that I must
> work for ICBC?
>
> For everyone's information, I do not and have never worked for ICBC.
> I just don't expect ICBC to pay for things that they have never
> pretended to pay for. Anyone who believes that insurance companies
> will pay for anything bad that happens to you probably also believes
> in the Tooth Fairy.
>
> By the way, posting HTML to Usenet is pretty pointless, and it wastes
> network bandwidth. It also looks really ugly to some readers. Using
> all caps looks ugly to *all* readers.
>
> Dave
Mr. G. Tarling
Jim Garnett wrote:
> In article <38268035...@junction.net>, "Mr. G."
> <gtar...@junction.net> wrote:
>
> >--------------12EADB440D046642D6C54212
> >Content-Type: text/plain; charset=us-ascii
> >Content-Transfer-Encoding: 7bit
> >
> >WHY ARE THERE SO MANY FOOLS IN THE APATHETIC SOCIETY OF BRITISH COLUMBIA!
> >
>
> And why do so many morons not know how to post to usenet properly?
>
> --
> ----------------------------------------------------
> Please note: Email address has be altered. To reply
> personally, simply remove the first "j".
> ----------------------------------------------------
Predaking
Darren Downs <nospam...@nospam.canada.com> wrote in message
news:38336dbb...@news.unixg.ubc.ca...
> It's not as bad as you think
>
> What is the registration tax in BC? $0 !!!!!!!!
>
> What is it here for me? $500
This has nothing to do with ICBC or any other insurance agency. Tax money
goes to the government. It just so happen that the dumb ass NDP here hasn't
hear of your California tax yet. so sheesh...quiet. =)
> What does your friend pay for his BMW - -
>
> $1,500 / year. . . That's not even insurance.
>
> You pay 2.13% of the Book value of your car EVERY YEAR
> in taxes.
Don't forget we also have to take our "new" car for useless aircare. The
time for the line up, and the fee each year is just so painful that money
isn't an issue any more. It's how much the system suck.
> I appologize for yelling, but I don't think people have all the facts
> some time
You can't expect people to be an expert at everything =) no one is perfect,
we speak our minds, that's as perfect as you can get.
You may pay more for your insurance down south, but you also make more and
less in government tax. So in the end your insurance seem to cost alot.
That's just cause you don't have to pay for a huge pocket ripping tax.
John A
> > I pay $1350 in insurance premiums per year every year.
>
> I've been amazed by this for some time now. I pay about the same as this.
Funny thing
> is, I pay less per year for my friggin' house insurance, than I do for my
truck
> insurance!
The risk of getting your car broken in to or getting in an accident is
higher than any claims on your house.
>
> Fatpat
>
----------------------------------------------------------------------------
----
speak...@gmail.com
> British Columbians are out of their mind paying the insurance rates they do!
>
> Thats what you get living in a socialist police state!!
>
> Jeff
> em <r...@privacyx.com> wrote in message
> news:KpsU3.35640$Rx2.3...@news1.rdc1.bc.home.com...
> > > Fuck you ICBC dipshits. Get a real job fuckheads.
> > >
> >
> > i'll most definitely drink to that. the deductibles are ridiculous. what
> are
> > the people in the US charged? think about that.
> >
> >
BC has the best insurance rates across canada, I paid $79 monthly as a new driver "class N" in bc, an ontario G1 equivalent. I move to ontario and HOLY SHIT! cheapest i can get is $410-ish (quote) a month!, and people are complaining about a $300 deductible. get real!, your lucky to have government run insurance where the government decides how much to rip you off monthly, and not a bunch of private insurance company's robbing everyone blind because of "bad drivers in your area", it's not my fault I live around a bunch of dipshits that can't/shouldn't drive, why do we have to pay for it?. I would happily give my left testicle to have government run/moderated insurance in ontario. nearly $5000 in premiums a year, holy fuck.
Bob
insurances, Home, CareCard, etc.... and the Autoplan part is only a facet to
which the total lot is directed to whatever Insurance plan need$ it.
Bob
prle.st...@gmail.com
spic...@hotmail.com
Now let me tell you this I was hit in a 100 percent no fault accident other driver was texting and on her phone ran a stop sign and hit the side of the car I ended up smashing head first into the front of the car with the seatbelt on and ended up in the middle of the car. The amount of horrible pain I'm in I rather of been killed. Now they say you can't get disability because you worked 20 days after the accident even though it got worse and worse to the point were you pass out or faint. Yes I've ended up on the ground going what the heck just happened. Now I've been out of work for over a year due to the pain being so intense. It has finanicly crippled me to the point of being homeless. I spent 6000 on medical bills my income was 3000. That's -3000 per year just for medical. They give you the bull shit we will deal with it when you settle we don't pay user fees. Doctor says goto physio, massauge and chiropartor. The nerouligest says do the same exact thing. The Pain specialist says the same exact thing. Well with out money to pay as they pay 50 percent of the cost how the hell do you go. Instead I have to take more pain medication to make it just bearable. Now that's causing damage to my body like internal bleeding which can be life threatening. So I have a choice. Be in so much pain that I rather be dead or take the pills that barely do anything to take the edge off just so you can go through the day and probably bleed to death. Or goto physio, massauge and chiroprator and take way less pain medication. The doctor has already suggested that I figure a way to keep going. The problem is with out a job you can't pay for it. With out any income you can't pay for it. With out any help you can't pay for it. So your screwed to goto social services and apply for help which turn around and says. To bad your on your own because it's ICBC. If I got hurt say falling out of a tree I would be covered and it would be paid for no problem. Because it's a car accident your fucked. Try living off 230 per month for food. No shelter no pain mangment. Heck I've even been in so much pain I tried to kill my self 3 times if I was able to go through with it I wouldn't be here. I tried to do it but was unable to. 3 times 3 differen't methods Your body won't let you cause harm to it no matter how much pain your in. You may want to be dead because of the pain but your unable to do it.
Now other people don't get the same crap I got put through not even close they get the user fees back every single month since it's not their fault. How ever since they deal with me they have done nothing at all it's to bad it's your problem. So you apply for ei denied. You apply for disabilty still waiting was a fight to just get the paperwork. It took over a year just for the doctor to run some tests it was a fight for that alone I ended up in the hospital 3 times due to the pain being so bad. When I was doing the treatment it was bearable now that you have to stop simply because you can't pay it's unbearable. I currently drive with no insurance I said fuck it at this point they don't cover anything and they don't care so why pay them anything. I rather pay a fine then pay them anything.