Car insurance inwards this tell is provided past times a government-run insurance company, Insurance Corporation of British Columbia (ICBC). Since 1973, BC consumers induce got had rattling piddling selection inwards how in addition to where they purchase their machine insurance. If they are dissatisfied alongside the service provided past times ICBC or the premiums they are beingness charged, drivers inwards BC practise non induce got the same choice equally practise drivers inwards other provinces – the choice to switch insurance companies.
BC consumers practise induce got about of the same choices available to other Canadians when it comes to optional machine insurance. Drivers tin flame purchase collision, burn downwardly in addition to theft insurance from the individual machine insurance companies competing for trouble concern inwards BC. These companies are committed to ensuring consumers induce got the practise goodness of contest in addition to choice, where regime inaction has made it hard to practise so.
H5N1 competitive trouble concern environs is a powerful incentive for insurers to deliver the best service in addition to to sympathize in addition to encounter consumers’ needs. Auto insurance is no exception to this rule. As consumers’ needs change, individual sector insurance companies answer past times offering innovative novel products in addition to services. Product innovations such equally firstly accident forgiveness, replacement toll coverage, roadside assistance, in addition to payment plans were all adopted inwards competitive jurisdictions long earlier they were available inwards provinces alongside government-run auto insurance systems.
After the BC government’s 2001 election-campaign commitment to increase contest inwards auto insurance, a lengthy exam of the purpose in addition to mandate of ICBC was conducted. The recommendations for insurance reforms that came out of that review savage curt of creating a fully competitive marketplace in addition to giving consumers total selection in addition to contest inwards car insurance. Drivers inwards BC must soundless purchase their mandatory insurance from government-run ICBC.
Private-sector auto insurers expire on to operate to ensure that consumers inwards BC induce got contest in addition to selection inwards where, how in addition to from whom they purchase auto insurance.
Minimum Required Auto Insurance Coverage inwards British Columbia
As of May 1, 2013
| Compulsory minimum third-party liability: | $200,000 is available for whatever i accident; however, if a claim involving both bodily injury in addition to belongings harm reaches this figure, payment for belongings harm volition survive capped at $20,000 |
| Medical payments: | $150,000/person, including rehabilitation, excluding wellness insurance in addition to other medical plans |
| Funeral expense benefits: | $2,500 |
| Disability income benefits: | 75% gross weekly reward to a maximum $300/week; 104 weeks temporary disability, lifetime if totally disabled; zip is payable for the firstly seven days of disability; homemaker upward to $145/week, maximum 104 weeks |
| Death benefits: | Death of caput of household $5,000 in addition to $145/week for 104 weeks to firstly survivor, plus $1,000 in addition to $35/week for 104 weeks to each child; expiry of spouse/partner $2,500; expiry of theme kid according to age, maximum $1,500/child |
| Impairment benefits: | N/A |
| Right to sue for hurting in addition to suffering? | Yes |
| Right to sue for economical loss inwards excess of no-fault benefits? | Yes |
| Administration: | Government (government in addition to individual insurers compete for optional in addition to excess coverage) |
Steps Required to Become a Fully Licensed Driver inwards British Columbia
Introduced Oct. 6, 2003
How practise I larn a Learner?
To come inwards the Learner Phase (Class 7L), yous must:
- Be at to the lowest degree 16
- Take a vision test
- Take a driving cognition test
- Have a bring upward or guardian’s consent (if yous are nether 19)
How long volition I survive inwards the Learner Phase?
You must survive inwards the Learner Phase for at to the lowest degree 12 months. The Learner’s license is valid for 2 years, only tin flame survive extended if yous re-qualify on the cognition test. You tin flame rest inwards this stage for equally long equally yous like.
You must survive sixteen years of historic menses (and induce got passed all license requirements) to come inwards the Learner Phase.
What are the restrictions spell I am inwards the Learner Phase?
You must drive alongside a supervisory driver who is 25 or older in addition to has a valid Class 1-5 driver’s licence. You tin flame have, along alongside the supervisory driver, entirely i other rider inwards the machine alongside you. You cannot drive betwixt midnight in addition to five a.m. You cannot drinkable when yous are driving – your blood alcohol must survive zero. Your machine must induce got the Learner sign on it.
The minimum punishment for violating whatever Learner Phase restriction is a $109 fine. If yous interruption the no-drinking-and-driving rule, yous volition larn an immediate 12-hour driving suspension, in addition to yous volition non survive able to drive i time to a greater extent than for i month, on a firstly offense. If yous interruption the no-drinking-and-driving dominion again, yous volition non survive able to drive for a year.
What else should I know?
If yous interruption whatever traffic rules spell yous are a Learner, yous tin flame lose your correct to drive rattling quickly. You volition survive allowed entirely 2 to half dozen demerit points (instead of the fifteen to nineteen points allowed to a Class 1-5 driver). If yous larn likewise many demerit points, yous volition lose the correct to drive for a menses of time.
If yous larn 4 demerit points (this would ordinarily hand alongside 2 tickets) yous tin flame lose the correct to drive for i month. If yous larn to a greater extent than than 4 points yous tin flame lose the correct to drive for a longer time.
You are also champaign of report to all the penalties in addition to fines that apply to other drivers. For a nautical chart of these, seehttp://www.icbc.com/Licensing/lic_fines_pen_fine_chart.asp
How practise I larn a Novice?
To come inwards the Novice Phase (Class 7N) from the Learner Phase, yous must overstep the Class seven route test.
How long volition I survive inwards the Novice Phase?
You must survive inwards the Novice Phase for at to the lowest degree 24 months, unless yous induce got in addition to pass an ICBC-approved driver teaching course (which reduces this past times 6 months). The approved course of instruction must survive taken in addition to passed inwards the Learner Phase. In addition, to qualify for the half dozen calendar month reduction, yous must survive prohibition free; ticket in addition to violation free; in addition to non induce got whatever at-fault collisions.
What are the restrictions spell I am inwards the Novice Phase?
You tin flame induce got entirely i rider inwards the machine alongside you, unless yous induce got a supervisory driver who is 25 or older in addition to has a valid Class 1-5 driver’s licence (one or to a greater extent than immediate trouble solid unit of measurement members are allowed fifty-fifty without a supervisor). You cannot drinkable when yous are driving – your blood alcohol must survive zero. Your machine must induce got the Novice sign on it.
What else should I know?
If yous interruption whatever traffic rules, yous volition expire dorsum to the commencement of the Novice Phase; yous volition lose all of the fourth dimension yous induce got spent inwards this phase.
As inwards the Learner Phase, yous volition survive allowed entirely 2 to half dozen demerit points (instead of the fifteen to nineteen points allowed to a Class 1-5 driver). If yous larn likewise many demerit points, yous volition lose the correct to drive for a menses of time.
To graduate from the Novice Phase, yous must overstep the Class five route test.
