ICBC

[dudlee]

I have over 15 years of safe driving , and before that 2 speeding tickets in the previous 10 years , and I pay $600 more each year than I would in Alberta . Never hd an accident that was my fault . The accident that I was involved in , again not my fault, icbc did everything corporately possible to stop any doctors from stating in writing that my injuries were caused by the accident . They also hindered any medical testing that was requested . I had doctors tell me and my wife , straight to our faces that thy were scred to put anything in rioting due o repercussions from oth ICBC and the government .

Doctors that go with their patients get burned and blacklisted for doing the right thing

The government will protect their golden goose and 5200 ICBC employees over victims rights , plain and simple.

This can not be toerated .

[Ken7]

love icbc, fair, balanced, prompt service

Currently involved with a MVA where I was injured. Their biggest concern is to settle the claim and get it off their books. What I read on their site, I'm finding difficult to believe.

I might just hook up with a lawyer to deal with them fairly!

[Hassel99]

I have over 15 years of safe driving , and before that 2 speeding tickets in the previous 10 years , and I pay $600 more each year than I would in Alberta . Never hd an accident that was my fault . The accident that I was involved in , again not my fault, icbc did everything corporately possible to stop any doctors from stating in writing that my injuries were caused by the accident . They also hindered any medical testing that was requested . I had doctors tell me and my wife , straight to our faces that thy were scred to put anything in rioting due o repercussions from oth ICBC and the government .

Doctors that go with their patients get burned and blacklisted for doing the right thing

The government will protect their golden goose and 5200 ICBC employees over victims rights , plain and simple.

This can not be toerated .

Could you please tell us what ICBC did to stop doctors from writing the truth in your charts? Did they slap the pen out of his hand? did they steal his note book? did they pull the battery out of the laptop? Can you please tell us what ICBC did to force a licensed physician to lie about your injury?

[hobbyguy]

Based on Fraser Institute figures, insurance in BC is only 11% more than in Alberta.

That makes sense. Predominance of flat. straight roads = lower risk, predominance of twisty mountain roads = higher risk.

Insurance through the Manitoba public system (like ICBC) is roughly the same as Alberta (well $23 gigher on a $1,000+ bill).

The WORST rates in the country are in Ontario, where they pay %15 more than BC. Ontario is entirely private insurance.
I would hazard a guess (haven't any significant experience driving in Ontario) that BC roads/conditions would be considered higher risk than Ontario by private insurers, and would therefore have higher premiums than Ontario.

It doesn't matter if a bean-counter works for a private or public insurer. Their JOB is to deny/delay/defend against large claims. Arguably, the private guys are more expert at denying your claim. This article details just a few of the problems with the private insurance system in Ontario: http://news.ca.msn.com/ontario/brampton/why-ontario-auto-insurance-is-sky-high

So on balance, ICBC does a very good job and any profits go toward reducing your taxes - so the net rate is arguably much closer to Alberta rates.

Getting rid of ICBC is a dumb idea.

[albertabound]

Spoken like a tried and true socialist, bravo to think that way that is why bc rates are so much higher , more then 11%.

[rookie314]

Based on Fraser Institute figures, insurance in BC is only 11% more than in Alberta.

That makes sense. Predominance of flat. straight roads = lower risk, predominance of twisty mountain roads = higher risk.

Insurance through the Manitoba public system (like ICBC) is roughly the same as Alberta (well $23 gigher on a $1,000+ bill).

The WORST rates in the country are in Ontario, where they pay %15 more than BC. Ontario is entirely private insurance.
I would hazard a guess (haven't any significant experience driving in Ontario) that BC roads/conditions would be considered higher risk than Ontario by private insurers, and would therefore have higher premiums than Ontario.

It doesn't matter if a bean-counter works for a private or public insurer. Their JOB is to deny/delay/defend against large claims. Arguably, the private guys are more expert at denying your claim. This article details just a few of the problems with the private insurance system in Ontario: http://news.ca.msn.com/ontario/brampton/why-ontario-auto-insurance-is-sky-high

Getting rid of ICBC is a dumb idea.

Missed a couple of things. First, ICBC has no mandate to deliver service. They have only one mandate, to make tax money for the government. If you are not happy with ICBC, don't drive. You said it yourself, ICBC rates are higher in BC than private insurance is in Alberta so they have lost the mandate to supply fair and inexpensive insurance to BC residents. Answer me this as well. In Alberta if I had two vehicles, for instance a truck which I use to pull a trailer in the summer and I drive for safety reason in the winter, and a small car which is my daily driver, In BC, I pay full insurance on both even though I can't drive them both at the same time. In Alberta I could insure the car at full rates and add the truck as a rider for literally a fifth of what it would cost in BC. I know this because I have done it. How much sense does it make for ICBC to not roll over a change in payment from one policy to another but instead mails you a check! I store a vehicle in the winter and when I go to insure it if there is any money owing ICBC doesn't move it onto my new policy, they mail me a check. Incompetence at is governmental finest. Heaven forbid you should actually need ICBC in case of an injury accident. You should watch ICBC sue ICBC.

[dudlee]

Who started ICBC.? Who started this gradual licensing program , that punishes the youth , when the old farts actual cause more accidents . The young only speed ,the old drive thru store fronts , hit pedestrians , turn into people because their heads don't turn , dent your cars in parking lots when they throw their doors open ,and then they drive away and leave you to fix it yourself ect ect ect .

God help you if you drive in Kelowna or Victoria ,or White Rock on "OLD PEOPLE DISCOUNT TUESDAYS" and I don't care what they say "Old people should not be allowed to drive huge motor homes when they can't even drive their cars properly .

[jimmy4321]

In NS through private insurance I paid $735, fully insured collision comprehensive etc.Just got the same vehicle insured through ICBC $1300 that's with 43% discount,even adjusting my deductable really didn't change things by much.
With private insurance the quotes I recieved varied greatly - you just have to shop around and if you have a poor record you may have a hard time getting insurance depending on the issues.
Any province with public insurance will never give it up,there's to much money on the table.

[GenuinelyInterested]

The biggest difference is that ICBC must accept all drivers and spread the risk over all others. In other provinces, insurance companies have the OPTION of accepting or denying any driver for any reason. IF they choose to accept that driver, they have the option of placing any surcharge they want on that driver.

[Bpeep]

The biggest difference is that ICBC must accept all drivers and spread the risk over all others. In other provinces, insurance companies have the OPTION of accepting or denying any driver for any reason. IF they choose to accept that driver, they have the option of placing any surcharge they want on that driver.

Absolutely correct.
And THAT is the difference.

[fvkasm2x]

Could you please tell us what ICBC did to stop doctors from writing the truth in your charts? Did they slap the pen out of his hand? did they steal his note book? did they pull the battery out of the laptop? Can you please tell us what ICBC did to force a licensed physician to lie about your injury?

You weren't talking to me, but I will direct my response to the thread to you:

I got run over by a car, while I was a pedestrian about 14 years ago now. Killed two people I was with. Broke my back, ankle and a myriad of other injuries. When the ambulance came for me, I apparently told the driver "I got hit." He then asked me if I got in a fight and apparently I said yes.

Now I know I didn't get into a fight. I have no recollection of the event (amnesia from head trauma). During the insurance battle, ICBC repeatedly tried to screw me over by saying I was submitting a fraudulent claim and that I was simply "beaten up." I was going to university at the time and due to all the missed schoolwork, trying to catch up, take exams, etc... I ended up settling for PEANUTS.

I was severely injured, my schoolwork suffered and ICBC humped me while I lay battered on the ground.

I'm sure that is true for every insurance company, but I've only ever had one experience and that was it.

[james-d]

My brother -in law suffers from ms. He was run over two years ago in a crosswalk on his scooter 110% in the right. In order not to cost the taxpayer in BC any money (BECAUSE ICBC IS GOVT OWNED) they are given it to him up the backside. saying he is accident prone, (which he isn't) doesn't even race his wheelchair. those crooked B----s are trying to wait him out, hoping he dies first, They are the worst crooks I have ever seen in the insurance game ,Trying to show how a business brought in by a commie Govt, Can make money, Yes they can at whose expense.?

[Liquidnails]

ICBC doesn't get rich by giving away money. Everyone I know who has dealt with them has been given the royal shaft.

[dudlee]

Why get rid of ICBC?
It would make more sense to just get rid of their monopoly. Let/make ICBC compete in an open market.
If ICBC is indeed so great and so cheap, as some of you believe, then there is no way private companies will be able to compete or even get a foot hold in the province. If ICBC is not so great or so cheap then they will lose customers and eventually be forced to cease operations.
Until there is open market competition no one can say if public or private insurance is better.

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Exactly , but the problem is that ICBC is to BC what the CBC is to broadcasting , government run propaganda and misleading information .The Liberals want free enterprise , yet they protect them , the NDP created them to create larger government to ensure re-election , didn't work . Then the NDP brought in the gradual licensing program , that punishes the young , while the old are driving over pedestrians and thru the front of restaurants .

I had an old guy just an hour ago STOP RIGHT IN THE MIDDLE OF THE ROAD and was looking at a house . STOPPED , didn't pull over , just stopped right in the middle of the road .didnt see, or care that there were cars behind him

[james-d]

To dudlee the commie ndp brought in govt insurance in BC in 1973 or it may have been 75 it assures a lot of cashflow so the commies can use that money to help pay for it's screw-ups. It is ICBCs mandate to fight tooth and nail to not pay out claims. When someone tries to get rid of ICBC watch the commies start to scream they are Selling off more govt owned stuff!!!!! We need private insurance companies back into BC. If ICBC can compete with them fine, But I don't think a govt ,Union run outfit can compete so they would certainly be history. then we would have a level playing field for all to CHOOSE from.