Avoiding ICBC surcharge. - Page 3

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  1. #31
    Registered User Bronco Boy's Avatar
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by trialspro View Post
    IF a guy gets out of his van, and you specifically say. "you ok?" and he says "ya im fine" and a few days later he claims injuries, it is kind of annoying to say the least.
    Annoying? Why?



    Quote Originally Posted by trialspro View Post
    We've all had a fall on a mountain bike, or hurt ourselves in someway, and been sore the next day.
    Exactly. Most of the time you won't even feel anything for the first few days, which is why I don't understand your above statement.



    Quote Originally Posted by trialspro View Post
    It doesnt give us the right to claim injuries though.
    If the injuries came from the accident, why not?


    Quote Originally Posted by trialspro View Post
    I dont know if it's because im part of the younger generation or what, but i've seen atleast 3 friends go for injuries who walked away from the crash, and they all won their claims. I'd hate to say it, but almost EVERYONE does it, and its not fair that people have to pay for that.
    So you are saying that if you can walk away from an accident, you shouldn't get an injury claim? That is ridiculous! Sounds like you haven't been rear-ended in a collision.

    When I was 21, I was rear-ended (I was at a stop and other car was going around 40km/h). At that time, I felt fine, just the shock of the accident. Two days later, my neck was a tad sore, but it went away. ICBC fixed my car and gave me $2000 to go away. Being young and stupid, I tood the money and ran. A few years later, my neck started acting up, and to this date, it is still buggered. Not much I can do about it, but, if I ever get rear-ended again, I can almost guarantee that my neck will be even worse, and there will be a claim happening with ICBC. I don't say this out of spite, just out of real life experience. If I do get hit and my neck is fine, I won't settle for several years just to make sure.
    Chris B
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  3. #32
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    Angry Re: Avoiding ICBC surcharge.

    My 2 worth (not that anyone cares):
    I see a LOT of ICBC stuff go through various clients' accounts, and hear the stories. Add my own personal experience with them and REAL insurance companies back east and what I find is:
    ICBC is a random chance organization. Maybe they find the right person at fault, maybe they don't. They'll dole out millions for fake injuries sometimes, and spend millions to avoid paying legit claims other times. Half the time their people don't even understand what you're talking about, no matter what the issue.
    ICBC is more like a casino than an insurance company; you roll the dice, and see what happens. That's what's wrong with it; no consistancy. That and the fact we pay some mighty high salaries for fools, but that's SOP for any Gov't agency.
    Does anyone else remember the ICBC 'rebates' coming just before elections? Followed by rate hikes due to 'increased costs' followed by trying to explain a 'budget surplus' followed by ... 'round and 'round.
    If they really wanted to do something about high losses due to theft, they'd get some legislation passed to lock up car thieves rather than constantly blaming us for having our cars stolen.
    Scrap it, along with any other Gov't department that A). is not held accountable and B). turns a profit at the public's expense.
    End of rant. Shutting up now.
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  4. #33
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by Bronco Boy View Post
    When I was 21, I was rear-ended (I was at a stop and other car was going around 40km/h). At that time, I felt fine, just the shock of the accident. Two days later, my neck was a tad sore, but it went away. ICBC fixed my car and gave me $2000 to go away.

    First of all, that was much faster than i was going, second, you admitted you made a claim and received 2000 bucks for being "a tad bit sore". Did you not feel guilty at the time for claiming that? Yes you are entitled to it as we all know, and who doesnt want 2000bucks for free?! BUT you screwed the other guy over and raised his rates for it. Had you felt the pain that you feel today because of it, it would be different, because it would be a valid claim. Being a "tad bit sore" is not a claim at all, its something that should be fixed with an apology, not an icbc payout.

    You are proof of how easy it is to claim for such a minor injury.

    As for the injury coming back to you when you're older, I will admit I'm probably not at the age where I'm feeling the pain from my "younger years", but I've heard the quote before that you feel it when you're older. I'm also willing to bet that your $2000 is long gone and not going towards physio or anything else to deal with your back pain.

    I've been rear ended twice, both times I didnt claim (as i mentioned in an earlier post). I was sore the next day for both of them, but i lived. The pain wasnt severe, and it was gone within a day. Nothing an apology from them couldnt take care of. They were genuinely sorry for hitting me, and i had no intention on making them pay for a minor inconvenience in my day.
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  5. #34
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by trialspro View Post
    I dont know if it's because im part of the younger generation or what, but i've seen atleast 3 friends go for injuries who walked away from the crash, and they all won their claims. I'd hate to say it, but almost EVERYONE does it, and its not fair that people have to pay for that.

    Yes, DMMcG, the crash was MY FAULT, i've never said it wasnt. I claim full responsibility. This thread isnt about blaming him for hitting his brakes to fast, or weiving into my lane. I rear ended him, I was tired, it was early morning, and once again, it was my fault! Sucks to be me. I pay the $500 or whatever it costs, and get a new bumper installed on his van. Thats how it should be, until later that night when $$ signs appear in his eyes, and he realizes, hey, now that i think about it some more, my back is a little sore.

    The amount of G force he received was equivalent to riding the old wooden roller coaster at playland. You'd think if he was hurt so bad, my passenger or I should be hurt as well, being in a car that weighs half of what his does.

    If you can step back and really look at what you've had to say, you'll understand why I responded to you in the manner that I did.

    You've assumed the role of Dr. and engineer, without the qualifications of either, and then have proceeded to crucify a stranger who you apparently caused injury to. The value of the stranger's claim may be small - you have no idea. The fact that he may have been injured has affected you financially, so you lash out at him (and all people who 'walk away from a crash').

    If you were just looking for a way to cheat the system (and I can't help but seeing a pot referencing a kettle in your rant), you could have posted the bare essentials of what happened. IE: ....you caused a collision. You want to know if anyone can assist you in avoiding paying the increased premiums associated with your being labelled a risky driver......any loopholes to allow you to avoid taking responsibility for your actions.

    Viewed in simplest terms, I don't see how you're any better than the alleged 'frauds' out there who are claiming injury when they don't have one.

    Maybe I'm just too 'old' in my view of the world, but there was a time when people did take personal responsibility for their actions. It seems to me that we're seeing the demise of civilized society, with people more and more willing to look for ways to avoid personal responsibility. People are no longer governed by an internal sense of 'right', but behave in accord with the likelihood of being caught and punished......looking for loopholes in every facet of their lives.

    If you've got "friends" who have cheated the system by making false claims, there is an anonymous "TIPS" line for you to call and report them. Be certain that you actually know that they are indeed frauds before making the call - ICBC deals with legitimate claims aggressively, and they can be downright unreasonable if their TIPS line has been active even when the allegations are totally unfounded.

    If the guy's injuries are really minor, you may want to consider paying out the value of those injuries from your pocket, rather than making an insurance claim - it could be cheaper for you than paying the difference in your insurance premiums. Who knows? He might need a couple of weeks of physio, and be right as rain.
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  6. #35
    Registered User Bronco Boy's Avatar
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by trialspro View Post
    .....you admitted you made a claim and received 2000 bucks for being "a tad bit sore". Did you not feel guilty at the time for claiming that? Yes you are entitled to it as we all know, and who doesnt want 2000bucks for free?! BUT you screwed the other guy over and raised his rates for it. Had you felt the pain that you feel today because of it, it would be different, because it would be a valid claim. Being a "tad bit sore" is not a claim at all, its something that should be fixed with an apology, not an icbc payout.
    Did I feel guilty? No, not at all. The moneys I received were to cover my "pain and suffering" and to offset the loss in the fact that my brand new (6 weeks old) $20,000 car just took a hit, crumpling the front and rear ends, causing $9,000 in damage.



    Quote Originally Posted by trialspro View Post
    You are proof of how easy it is to claim for such a minor injury.
    Easy? ICBC offered me the money, knowing full well that they were scamming me by waiving money in front of me and getting me to settle. And FYI, my accident was 17 years ago, and I did nothing wrong.



    Quote Originally Posted by trialspro View Post
    As for the injury coming back to you when you're older, I will admit I'm probably not at the age where I'm feeling the pain from my "younger years", but I've heard the quote before that you feel it when you're older.
    You heard correct. Most of us that are chatting with you here are old enough to feel the pain of our younger years.



    Quote Originally Posted by trialspro View Post
    I'm also willing to bet that your $2000 is long gone and not going towards physio or anything else to deal with your back pain.
    You are right. The $2000 went towards the loan on my "no longer new" car. $2000 is nowhere near enough to cover the pain and sleepless nights I suffer from from the past injury. I do go to physio a few times a year, and when I crack my neck, you can hear it across the room. Not good!



    Quote Originally Posted by trialspro View Post
    I've been rear ended twice, both times I didnt claim (as i mentioned in an earlier post). I was sore the next day for both of them, but i lived. The pain wasnt severe, and it was gone within a day. Nothing an apology from them couldnt take care of. They were genuinely sorry for hitting me, and i had no intention on making them pay for a minor inconvenience in my day.
    Apology's don't cover pain and suffering. If you are scamming, then you don't deserve anything. I didn't scam. In fact, I got scammed by ICBC. I learned my lesson the hard way and it will NOT happen again.
    Chris B
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  7. #36
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    Re: Avoiding ICBC surcharge.

    Quote:
    (When I was 21, I was rear-ended (I was at a stop and other car was going around 40km/h). At that time, I felt fine, just the shock of the accident. Two days later, my neck was a tad sore, but it went away. ICBC fixed my car and gave me $2000 to go away. Being young and stupid, I tood the money and ran. A few years later, my neck started acting up, and to this date, it is still buggered. Not much I can do about it, but, if I ever get rear-ended again, I can almost guarantee that my neck will be even worse, and there will be a claim happening with ICBC. I don't say this out of spite, just out of real life experience. If I do get hit and my neck is fine, I won't settle for several years just to make sure.)









    Come to think of it you probably sustain more whiplash wheelin than you would getting hit @30km, being that your bouncing around alot so maybe your neck hurts now due to all those years of wheelin not the accident you had many years ago.
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  8. #37
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    Re: Avoiding ICBC surcharge.

    I had a 500% surcharge for bad driving. I agree 120% that bad drivers should pay. I was a bad driver, I payed and am a better driver today because of it. My monthly insurance was going to be $850 per month. to get around this I walked into my autoplan insurance broker every payday and gave them $185 and they gave me 15 days worth of insurance. No extra coverage mind you. Do the math I was saving about $500 per month. I did get to know them very,very well.

    It did however come with some drawbacks. I was getting pulled over about 1 time a week as I did not have plates only temp permit in the window. Never got a ticket they just wanted to verify the insurance.

    I did this for three years and lost my surcharge at the 3 year mark from the time of the last claim.

    My driving habits have changed dramatically.

    Bad drivers should pay....this coming from somebody who had to pay. I didn't complain once I jusdt did what I had to do to get on with life.
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  9. #38
    Registered User Bronco Boy's Avatar
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by littletruck View Post
    Come to think of it you probably sustain more whiplash wheelin than you would getting hit @30km, being that your bouncing around alot so maybe your neck hurts now due to all those years of wheelin not the accident you
    had many years ago.
    And so did dislocating my shoulder when I was slammed into the beach body-surfing. Am I supposed to sit around and do nothing? Or continue on with my life the best that I can? I have chosen the latter.

    Anyways, yes the wheeling, dirt biking, and just plain old living over the years have definately played a role in the current condition of my neck, but I guarantee you that if I never got rear-ended in the first place, it wouldn't be as bad as it is.

    And to say that I probably sustained whiplash from wheeling is ridiculous. Bouncing around is nothing like whiplash.

    If you've never been hit hard enough to get whiplash, you really shouldn't be commenting on it.

    You really need to spend more time figuring out how to get out of paying back your debt to ICBC rather than critiquing me.
    Last edited by Bronco Boy; March 9th, 2007 at 06:39 am.
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  10. #39
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    Re: Avoiding ICBC surcharge.

    even in a low speed impact if your not expecting it you can be injured. back and neck injuries are long term, ive got the neck pain and headaches to know how long whiplash last. the pains is one thing, the debilitating headaches are the kiler.
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  11. #40
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    Re: Avoiding ICBC surcharge.

    Bronco boy:
    The fact that you made a $2000 financial gain from one day of discomfort is pretty sad. An accident shouldnt be seen as a way to make a quick buck. $2000 is a ridiculously large amount of money to be paid for what you went through. It's almost like you received a reward for being in the right place at the right time. If I did that for my other two accidents, I'd also have a few thousand extra dollars, at someone elses expense, and probably come out ontop still, even with this at-fault rear-ender. It wasnt their intent to hit me, they felt bad, apologized, and hopefully it doesnt happen again. I never once considered claiming an injury. I highly doubt it was the persons intent to hit you either, and yes, they're paying for their mistake, in the fact that they either have to hand out the money for your repairs, or suffer with increased rates.
    One point i DO agree with you on, is that having a brand new vehicle involved in an accident lowers its value, and compensation should be given for that. ICBC doesnt understand that bondo and an accident claim on a vehicles history significantly lowers the value of a car. I think $2000 is fair in the fact that you're probably going to lose that amount because of it.

    DMMcG:
    I am not a doctor, nor an engineer. All i can go by, is previous examples I have heard of, or seen, and the specific incident i was involved in.
    No matter which way i chose to start this thread, any mention of being in an at-fault accident, and trying to avoid increased premiums, is going to get the same type of comments as this one is. Rather than come on here and try to answer the question I have posted, you and a few others come on and tell us about your icbc knowledge, and that we should pay for our mistakes. A very general comment that some would see as the right one, but only on the surface.
    You also said "It seems to me that we're seeing the demise of civilized society, with people more and more willing to look for ways to avoid personal responsibility. " I agree with you, but with that demise comes more gold diggers looking for a way to make a quick profit. Just because you're legally entitled to compensation, doesnt mean you should necessarily take it. I'm not lashing out at people who get injured in car accidents, I think they should settle for the amount of money that they feel right taking. I just dont agree with the current trend in people who feel they should be compensated for everything; such as having to pull over for 15 minutes to exchange information, or having to drive a rental car for a few days.


    Anyway, I'm very tired of this thread, its taken way too much of my time, i'll let you guys know if i avoid the surcharge later this week.
    1991 Toyota 4x4 truck, 1996 Honda XR250

  12. #41
    Registered User Bronco Boy's Avatar
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by trialspro View Post
    The fact that you made a $2000 financial gain from one day of discomfort is pretty sad..... I think $2000 is fair in the fact that you're probably going to lose that amount because of it.
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  13. #42
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    Re: Avoiding ICBC surcharge.

    I forgot something. pain dosn't have to come right away. my didn't come for a couple days. didn't know I had pain after my accident till I went to drive my car a couple days later and couldn't operate the clutch without severe shooting pain.
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  14. #43
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    Re: Avoiding ICBC surcharge.

    dude i totally support your idea of trying to weasle your way through ICBC's ridiculus premiums. ICBC is a joke, and BC is a joke for allowing ICBC to hold such a monopoly stake in the auto insurance business.

    I've never had any trouble with them or any accidents (yet) and i hope I don't cause i already hate them with a passion.
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  15. #44
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    Re: Avoiding ICBC surcharge.

    Quote Originally Posted by DMMcG View Post
    Why not just accept the fact that you've got to learn to improve your driving, accept responsibility for your actions and pay the premium?

    It's incredible that you come onto a public forum, blame someone else for your own incompetence (after injuring them in the process) and then look for advice as to how to cheat the system to avoid taking personal responsibility for your actions.
    Don't beat around the bush, tell us how you feel!
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  16. #45
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    Re: Avoiding ICBC surcharge.

    You guys are ****ed.

    The answer is yes; if you insure 2 vehicles at a time and cancel the one with the surcharge to avoid it for the year you WILL avoid it for the year, until you have to insure the vehicle again. You can keep avoiding it by doing the same thing over and over and over again. Having said that if you keep avoiding it, you are not paying off your 'debt' to ICBC and it will just sit with you forever as long as you avoid it. If that doesn't bug you then go ahead.

    You can also keep in mind that as years progress your surcharge WILL turn into a discount assuming you do not have any more surcharges added. This means that if your surcharge puts you at -15% for the one vehicle, in 4 years it will be at +5%. At the same time your other insured vehicle without the surcharge can still be at a 40% discount or whatever you have accumulated over the years.

    Next time stay on the point morons. He didn't ask for a morals and ethics thread.
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