Misrepresenting the Principal Driver
ICBC requires vehicle owners to declare who the principal driver of the vehicle will be during the purchase of an insurance policy. The driving record of the principal driver (75%) and the highest risk listed driver (25%) determine the cost of the policy. A deliberate misrepresentation of who will be driving could result in a claim being denied.

Kelly Rae Rhone was charged for operating a motor vehicle without proper insurance while driving on the Trans Canada Highway at Mill Bay, B.C. Ms. Rhone disputed the traffic ticket on the basis that keeping the insurance current was her husband's job and that she did not know the insurance was expired.
This case arises from a distracted driving related collision that happened at the intersection of Ware Road and Highway 19 in Lantzville. Valerie Shaver was turning left from Ware Road to northbound on Highway 19 and Graeme Lymbery was travelling southbound on Highway 19 approaching the Ware Road intersection.