Insurance

Information regarding vehicle insurance.

Penalty Points

penalty points"I'll pay the fine, I just don't want the points." This is not an uncommon desire expressed by drivers prior to a traffic court hearing when asked how they want to proceed. If the violation ticket was issued with the accused identified as the driver, penalty points follow the conviction as night follows day. There is no escaping them.

NEWS - Increased Penalties for Dangerous Driving Behaviour

New BC LogoIncreased penalties will come into effect today for drivers who put people at risk through excessive speeding, impaired driving, distracted driving and other violations.

HERGOTT LAW - Little White Lies & ICBC

Hergott Law logoIn this article Paul reviews what can happen if you lie to ICBC. He examines three scenarios: Failing to be truthful when you apply for insurance, failing to be truthful when you make a claim and driving while impaired. All could result in loss of coverage and significant financial liability that could ruin you. Think twice before you are anything less than completely honest!

Q & A - Insurance on Forest Service Roads

Q&A ImageQ: My friend was riding his dirt bike along with his kids last weekend on a Forest Service Road which is an extension of a rural road. An RCMP constable stopped him and and informed him that he was riding without insurance and issued him a violation ticket under Section 24(3)(b) MVA which carries a $598.00 fine.

Thoughts From the ICBC Rate Fairness Report

ICBC LogoI was curious about the outcome of ICBC's rate fairness survey so I checked the box to be notified when the report became available. The notification arrived in my inbox this week and I've made a quick scan of the document. The diverse opinions on who should be held accountable for what and how rates should be set is interesting.

Q&A - Modifying a Vehicle Exterior

Q&A ImageQ: I have a question about legality around modifying the exterior of my car. I have seen many modified (often lowered suspension as well) cars with front lip spoilers/splitters and I was wondering around the legality of them for a street car. Do you know if they are they legal to have or would they affect insurance in any way to have one if I were to be in a front end collision, either with another car or pedestrian?

Electronic Driver Monitoring

Mentor by eDrivingWould you voluntarily submit to electronic monitoring of your vehicle in order to save money on insurance? I've been thinking about this lately in the context of my experience with an electronic driver monitoring app, our current concerns with ICBC rates and the seeming lack of consequences for drivers who don't follow the rules. With the right privacy safeguards this could safely and efficiently solve a number of problems.

READING - Affordable & Effective Auto Insurance

According to this report for ICBC and the Ministry of Transportation & Infrastructure from Ernst & Young our provincial auto insurance program is currently facing the following five challenges:

Insurance Fraud & Insurance Rates - Who to Believe?

Question MarkOuch! My ICBC insurance rates are going up as much as 42% over the next five years according to an article in the Province newspaper. I already paid $630 this year for the privilege of having my fellow British Columbians help me pay for collision liability if I make a mistake and crash my pickup. I’m not looking forward to paying $895 in 2021, but when you consider how much you could be on the hook for if you didn’t have insurance, even that doesn’t look too bad.

Should I Drive for Uber?

Uber LogoShould I become an Uber driver? It looks like a good way to pick up some easy money and provide a lower cost service to people at the same time. Before you visit the Uber web site and sign up, you should consider very carefully what risks you might be taking and how it could affect you. That little bit of pocket money could quickly become a mere drop in the bucket when it comes to covering your losses if a collision should occur.

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