BC Insurer looks at penalizing vehicle drivers in an accident instead of owners

March 22, 2018, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

In a sweeping public consultation effort, the British Columbia government is investigating changes to the insurance regime in BC. The changes include a wide range of things including driver discounts, driver-based insurance and the rules applied to the ‘free’ at fault accidents that drivers may have in their policies.

The underlying reason that these changes are being considered is that drivers want to see bad drivers paying more, and good drivers paying less. How to measure the good and bad drivers is a big questions. 'Rate fairness' as its being called will take into account many factors including driver experience, claims made by driers, serious and minor convictions on a driver abstract, senior and low risk driver discounts, and an overhaul of what is considered by all parties of the rating system in the province.

The province is also considering the establishment of a system where the driver of the vehicle is penalized in an accident rather than the owner of a vehicle. Currently, the owner of a vehicle insures the car and is responsible through their insurance for any accident damages. This means that anyone borrowing a car in an accident faces no penalty on their own insurance if they crash a borrowed car. The ICBC records show that 20% of all car accidents involve a non-owner driving at least one vehicle.

The proposed changes would require car owners to list specifically on their policies all people who drive the car. If there is an accident with an unlisted driver the owner faces a one-time fee. This fee would be larger if it turns out the non-listed driver (spouse, child, parent) shares the residence with the car owner. This means the driver who is insured not the vehicle.

Another major shift being considered by the BC government is that under the ICBC policy drivers can be forgiven on at fault accident every 13 years. The provincial government is looking to increase that to once every 20 years. They would also like to increase the interval it takes to return to pre-crash insurance rates from the current three years to ten years.

With an Ontario provincial election coming, and with auto insurance on all three of our political parties’ radar it is interesting to see if any of them propose some of these ideas. You can read all about the ICBC proposals on their website here.

Posted under Accident Benefit News

View All Posts

About Deutschmann Law

Deutschmann Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit www.deutschmannlaw.com or call us toll-free at 1-866-414-4878.

It is important that you review your accident benefit file with one of our experienced personal injury / car accident lawyers to ensure that you obtain access to all your benefits which include, but are limited to, things like physiotherapy, income replacement benefits, vocational retraining and home modifications.

Practice Areas

  1. Car accidents
  2. Motorcycle accidents
  3. Automobile accident benefits
  4. Catastrophic injury
  5. Brain or Head injury
  6. Paraplegia and Quadriplegia
  7. Spinal cord injury
  8. Drunk driving accidents
  9. Concussion syndrome
  10. Post Traumatic Stress Disorder
  11. Slip and Fall Accidents
  12. Birth Trauma Injury
  1. Wrongful death
  2. Bicycle accidents
  3. Disability insurance claims
  4. Slip and fall injury
  5. Fractures or broken bone injury
  6. Pedestrian accidents
  7. Chronic pain
  8. Truck accidents
  9. Amputation and disfigurement
  10. Fibromyalgia
  11. Nursing Home Fatality Claims

Personal Injury Blog

Sep 24, 2020
COVID-19 Liability, and Wave Two
Sep 22, 2020
Backup Driver of UBER's Autonomous Car Charged in Arizona Death
Sep 17, 2020
What Can a Personal Injury Lawyer Do for You?
Sep 15, 2020
Old Grey Mayors - A podcast featuring the political movers and shakers in the Region of Waterloo
Sep 10, 2020
Slips and Falls Remain Serious Risks in Long-Term Care Homes
Sep 08, 2020
Do I need to hire a personal injury lawyer?

More Personal Injury Articles » 
Review our services

Connect with us

Facebook Twitter Linkedin Youtube Google