These are eight, random "Daily Photographs" from my personal Flickr collection.

Monday, August 04, 2014

ICBC: Guess They're Still Ahead

I have been buying auto insurance for about 38 years and had never made a claim. Well, I cannot remember exactly how insurance used to work in Saudi Arabia. My second-hand junker there must've been covered, even though back when I lived in Taif, obtaining this type of insurance was difficult as it was considered a form of usury.

For the last 16 years I have been paying the Insurance Corporation of British Columbia as they're the only game in town (read: the province). With trepidation I had to consult the call-in claim centre today.

Sigh. Last week, after waxing my old truck, I was so pleased with the results that I wanted to find a nice location to take a photo of my handiwork. I remember taking a photo of it once under a cherry tree by New Westminster City Hall. The cherry blossoms are long gone but there is more vegetation up near Tipperary Park. I decided to park near the upper edge of the city hall lot. I jumped out of the vehicle without securing the hand brake. I didn't correctly align the wheels which can be important because this city is on a giant hill.

I walked about 3 meters away and turned to take the picture. Yikes, the truck was slowly rolling towards a parked car. Damn! I ran, opened the door, and tried to jump in to hit the brakes. I was too late.

2014-07-31 Oops

At less than walking speed, my bumper hit the rear, passenger-side quarter panel. It's a little scary to realize how little it takes to destroy the skin of the metal containers we move about inside of. I ran inside the city offices to see if I could locate the owner. A very nice young girl owned it. We exchanged insurance and license information. Neither of us knew much about the procedures involved. She checked to see how much it would cost to fix both through independent repair and got an unofficial estimate through an ICBC garage. Those were $500 and $1400 respectively.

As I'd been a safe driver so long, I figured I'd like to go through official channels. I pay one and half times as much as the cheap quote for my annual liability insurance to my company. She called in first and confirmed that I had to as well. The procedure, as I didn't even have a scratch on my truck, involved calling the phone claim centre to acknowledge the incident. I did that today even though it is BC Day. I had to wait about a half hour for a representative. The actual call only lasted about five minutes. The woman who took the claim couldn't have been more friendly and polite.

I now know the system is pretty clever. Being a public insurer, ICBC starts with a base rate that doesn't really penalize young or inexperienced drivers. If a driver continues claim-free, he/she works towards future reductions. An early accident could easily push an auto owner into higher than base rates though. As I have been claim free for such a long time, I will not see any increase in rates, although I will move down the scale three steps. Now, I have just 13 claim-free years.

ICBC Rate Scale 2014


2010 Games (23) AirAsia (10) Alaska (4) Alaskan Cruise 2001 (6) Alberta (14) AllegiantAir (9) amazon.com (6) Amsterdam (9) analog (12) Android TV Box (28) Apple Inc (16) Arts and Literature (17) Bahrain (32) balcony (91) BBS (6) BC Ferries (16) BC-WA Road Trip 2013 (6) BCIT (325) beach (64) beer (37) Bella Coola Road Trip (11) Bellingham (26) bikes (15) Bitcoin (32) Bloedel (8) blogging (223) Bret (51) briefcase (6) British Columbia (127) Bulk Barn (7) Burma (Myanmar) (17) Cairo 2015 (4) Cambodia (20) camcorder (49) Canada (80) Canada Day (21) Canadian Superstore (54) Carnarvon Place (17) cars (63) Central America 2011 (35) China (9) China and Malaysia 2011 (26) Christmas (86) Class of 1977 (14) Coastal Cruise 2006 (12) Columbia Station (10) Columbia Station Noise Problem (5) Columbia Street (35) community gardens (5) complaints (85) computer lab (21) computers (119) credit card (10) cross-Canada (12) Cruise to New Zealand 2017 (4) dentist (7) Desert Southwest (23) Dictionary (2) digital camera (120) digital picture (27) dinosaurs (5) Don (23) drinks (28) driving (35) Dubai (59) Duck Swap (30) Duolingo (1) early retirement (69) Ecoped (17) Electric Vehicles (13) email (54) errands (160) Eurotrip 2005 (30) Eurotrip 2007 (41) Eurotrip 2010 (40) EVO Car Share (4) father (19) feelings (316) file archives (29) financial (1) fireworks (9) flash memory (17) Flickr (210) Flickr slide show (31) Flipboard (9) flora and fauna (100) flying (61) food (201) Fraser River (91) futurecast (20) games (18) glasses (12) Google (70) Google Earth (22) government (53) GPS (36) grandmothers (11) growler (4) Halloween (4) hard disk (14) hardware (49) Harrison Hot Springs (6) Hawaii (7) Hawaiian Shirts (5) HDTV (57) health (73) Hollywood (4) Hong Kong (8) Hulu (10) humour (38) Hurghada 2015 (6) Hurghada 2016 (4) Hyack Parade (8) In-front-of-series (6) India (26) Indonesia (10) Instagram (1) Internet (263) IP (24) Italy (21) Italy 2008 (23) Jay's Surgery (25) Joel (85) Kenya (5) Kiva (7) Kuwait (27) Laos (9) Las Vegas (21) Last Will and Testament (1) Laurie (21) library (24) light bulbs (5) Linux (2) lists (33) London (7) Los Angeles (14) Luxor 2014 (6) maintenance (72) Malaysia (14) mattress (5) Mediaplayer (29) Mediterranean Cruise 2017 (35) Mexican Cruise 2008 (12) Mexican Property (18) Mi band (8) Mini-Road Trip 2014 (8) Minuwangoda (29) money (176) monkeys (9) Moon Bugs (4) Mother (7) mountains (33) movie musical (18) movies (178) Mt. Baker (7) music (70) musical theatre (8) My YouTube (49) National Geographic (11) Near East Trip 2014 (33) Near East Trip Planning (9) Nepal (9) Net apps (85) netbook (20) Netflix (24) New Westminster (549) New York City (32) NewWest filming (10) NH Trip (10) Niagara Falls (2) Nikon P900 (7) Nikon S9900 (21) Nile Cruise 2016 (4) NYC2005 (16) NYC2009 (10) Okanagan (18) Ooma (5) opinions (236) Our 10-Year Plan (16) Pandora (7) parade (6) Paris (12) passport (10) Pattullo Bridge (18) PBS (15) Penang 2011 (5) Persian (1) pets (50) Photo Sphere (14) Pier Park (57) pig (8) Pinterest (30) Pinto (10) podcasts (46) Portland (15) Portland Pride 2009 (6) printers (10) privacy rights (11) PS3 (30) Puerto Vallarta (46) Puerto Vallarta & Guadalajara 2010 (24) Puerto Vallarta 2012 (8) Puerto Vallarta 2013 (8) PVR (14) QR Code (7) Quay (26) Queen's Park (36) quotations (133) Qurna Market (7) Ranger (52) RC vehicles (9) relaxing (24) review (42) road trip (89) Royal City Mall (7) Royal City Star (10) RSS (22) Russia (2) San Francisco (12) sandals (11) Saudi Arabia (45) Scandinavian Cruise 2016 (24) sci-fi (22) SE Asia 2013 (53) searching (15) Seattle (26) sharing (31) shaver (7) Siem Reap (8) Sigiriya (7) Singapore (5) SkyTrain (41) smartphone (88) social networking (121) software (60) Southwest Road Trip (8) souvenirs (16) Sri Lanka (93) Sri Lanka 2004 (54) Sri Lanka 2006 (29) Sri Lanka 2009 (35) Sri Lanka 2012/13 (94) Sri Lankan food (45) Sri Lankan Property (15) staff (4) Stanley Park (4) stars (34) Street View (33) students (102) Summer Lovers (4) Sunapee (72) Surrey (35) T&T Supermarket (11) tablets (48) technology (103) TED (1) telephone (42) television (159) temple (31) Tesla (1) Thailand (16) The Harbor Gameroom (15) the Maldives (1) The Wedding Weekend (6) the Wenas (29) Then and Now Images (3) thrift shop (22) Tim (56) Time Machine (1) Tipperary Park (38) to (1) tour (1) tourist shots (43) train (20) transit (61) travel planning (173) TRS-80 (5) TuneIn (2) Tunis 2016 (6) Turkey (Country) (5) Vancouver (170) Vancouver Island (25) Vietnam (9) Villa Diletta (27) Walmart (32) Washington DC (16) weather (367) webcam (22) Windows (53) winter 2014-15 (149) Winter 2015-16 (161) winter 2015-16 (planning) (17) Winter 2016-17 (planning) (16) winter 2017-18 (planning) (2) World Vision (17) zip.ca (20)