A speeding ticket is an arbitrary thing. On any given day thousands of people are speeding for every one that gets a speeding ticket. Its become a form of selective taxation (through RCMP prejudice), which is bad enough, but then to add a hostage premium by ICBC the monopoly insurer in this province will not make the system more fair.

Sure ICBC will fund more road side crack downs because the increased insurance rates will be like printing money regardless of the true accident rate. ICBC wants to use law enforcement as a revenue tool, rather than basing their insurance rates on actual claim histories.

The government is more than happy to privatize our essential infrastructure like rail, highways, water, sewer, hydro, our parks, and the list is long… but competition with the government for insurance they will never tolerate, because its a huge cash cow for the political insider appointments and the legacy funds they ‘manage’.

The idea of a monopoly insurance corporation with police state powers and no oversight accountability for its management of driving licenses is a huge threat to the freedoms that use to be what BC was all about. ICBC has the powers to be the new Cheka service for totalitarianism.

Now ICBC wants to control the policing of our roads, use the policing effects to support increased revenue for the corporation (double and even triple dipping for a single offense), and determine who can and can not drive in this province. Its a recipe for greed based corruption, and this talk of lowering the rates is only an enabler for them IMO.

My suggestion would be for the province to take sole responsibility for drivers in this province… especially if ICBC wants to tie driving records with insurance rates… and to allow for open and fair competition for all the services ICBC has a current monopoly over. Let free enterprise in the free market for insurance allow competition to decide what our options are.

Next Subject is Home Insurance and do you ever get ripped off by greedy Agents who use anything to jack up your Rates and this is run by private Companies , so would having a Choice with our Car Insurance make the Rates lower, I don’t think so.

I think this is beating the question to death. They obviously have lots of time on their hands.

I have an idea. Rock chips on windshields and resulting cracks, from driving in winter in most of BC. Nothing much one can do about it if drving on paved roads, not following too close behind, especially turcks. Taking care like that, there is still oncoming traffic one can’t do anything about. Also, every now and then, it is legitimate to pass a vehicle, especially in a double lane section going uphill where all those excess rocks are deposited by highways.

I think since the primary cause is the condition of the roads, not the condition of the driver, windshields should be replaced for free. It is enough of a pain to take a car in for the day to get it replaced.

Everyone who has a drivers license should have to carry basic liability insurance which would cover every vehicle they drive. That way if you have 4 or 5 vehicles you only pay collision etc. on each one. Also if you don’t have any, you assume the risk for any other person’s vehicle you drive.

Something to consider. All private insurance companies have access to your driving records as well. You move to Alberta they will base your rate on your record in BC. ALL tickets you have received will be used against you. This is something new in BC only, it’s been in place everywhere else for ever.
Just remember the grass usually really isnt greener on the other side.

I was told by my house insurance company my rate would go up from $850 a year to over $1300. I have never had a claim before, but they said everyone’s insurance was going up regardless.

So I switched house insurance to TD insurance and my yearly rate dropped to $250 a year… that is more than a thousand dollars savings over what my previous insurance company wanted to charge me for the exact same coverage.

Free markets in house insurance works great for me… would love to have the same options with my auto insurance as I’ve never had a claim there either, but I have had a speeding ticket.

Actually that is wrong my previous insurance was for a house value of $360,000, but my new TD coverage is up to $1,000,000 for the house. So triple the coverage for a fifth of the price. Free markets for house insurance is a great thing.

I’m old enough to remember private car insurance in B.C. Give me ICBC anytime.

I am old enough to remember private car insurance in Ontario. Give me ICBC anytime is right.

Check you house insurance again Eagleone. I am sure you are looking at personal liability coverage of a million, not replacement value of the house …..

Someone comes to a party at your place, the trip on a carpet, take a bad fall, break their back and cannnot work for the rest of their life.

Nope… its called the Homeowner Bronze Advantage $1 Million. Mine was the pared down package, probably get a gold or silver if one wanted. It has a thousand dollar deductible.

The personal liability is also $1Million with various other medical and yadda yadda, then the policy also has additional coverage for weight of ice, snow or sleet, ice damming, roof water damage for up to $564,000.