Cycling Mob: Road Cycling, Mountain Biking and More - View Single Post

07-18-2004, 11:52 AM

In article <20040718023631.29244.00000035@mb-m19.aol.com>,
hunrobe@aol.com (Hunrobe) wrote:

> >Ryan Cousineau rcousine@sfu.ca
>
> wrote:
>
> >Surprisingly, I don't think so. Partly because you get everything
> >(plates, tags, and insurance) from an insurance agent in one go (the
> >agents are private contractors for ICBC; they usually do all kinds of
> >insurance, with Autoplan being one of the regular businesses).
> >
> >So, no insurance, no tags. No tags=rapid detection by local LEOs.
>
> This of course is based on the assumption that all the motor vehicles in BC
> are
> driven only by the vehicle's registered owner. ICBC must not have the same
> level of faith in the system that you do because their website specifies that
> the policies they sell include "uninsured/underinsured" coverage so maybe the
> above assumption is mistaken?

In general, ICBC insurance covers any driver with a valid license. The
exception would be that the "primary operator" must be properly
specified.

Underinsured Motorist Protection (UMP) has several useful purposes, but
here's a few major examples of when it comes into play:

-if your car is in a hit-and-run, UMP allows you to file an insurable
claim

-if your car gets hit by a non-insured entity (say, er, a
cyclist...maybe a bad example in this thread...) then you can claim
against UMP if they can't pay.

-if an out-of-province driver hits you, they may not have proper
coverage.

-if the driver who hits you is DUI, by law their insurance is invalid,
and they are directly responsible for the costs. Again, UMP protects you.

-And yes, there are drivers who manage to drive on the roads uninsured,
whether by being drunk, rolling on expired tags, or as Tom suggested,
stealing tags from another car, but not only does UMP protect the
not-at-fault motorist in these cases, my impression is that these cases
are quite rare, partly because of the unified tags/insurance system.

Not an advocate of public car insurance, but I understand the advantages,
--
Ryan Cousineau, rcousine@sfu.ca http://www.wiredcola.com
President, Fabrizio Mazzoleni Fan Club

07-18-2004, 11:52 AM	#489 (permalink)
Ryan Cousineau Posts: n/a	Re: Critical Mass Tunnel Freaks In article <20040718023631.29244.00000035@mb-m19.aol.com>, hunrobe@aol.com (Hunrobe) wrote: > >Ryan Cousineau rcousine@sfu.ca > > wrote: > > >Surprisingly, I don't think so. Partly because you get everything > >(plates, tags, and insurance) from an insurance agent in one go (the > >agents are private contractors for ICBC; they usually do all kinds of > >insurance, with Autoplan being one of the regular businesses). > > > >So, no insurance, no tags. No tags=rapid detection by local LEOs. > > This of course is based on the assumption that all the motor vehicles in BC > are > driven only by the vehicle's registered owner. ICBC must not have the same > level of faith in the system that you do because their website specifies that > the policies they sell include "uninsured/underinsured" coverage so maybe the > above assumption is mistaken? In general, ICBC insurance covers any driver with a valid license. The exception would be that the "primary operator" must be properly specified. Underinsured Motorist Protection (UMP) has several useful purposes, but here's a few major examples of when it comes into play: -if your car is in a hit-and-run, UMP allows you to file an insurable claim -if your car gets hit by a non-insured entity (say, er, a cyclist...maybe a bad example in this thread...) then you can claim against UMP if they can't pay. -if an out-of-province driver hits you, they may not have proper coverage. -if the driver who hits you is DUI, by law their insurance is invalid, and they are directly responsible for the costs. Again, UMP protects you. -And yes, there are drivers who manage to drive on the roads uninsured, whether by being drunk, rolling on expired tags, or as Tom suggested, stealing tags from another car, but not only does UMP protect the not-at-fault motorist in these cases, my impression is that these cases are quite rare, partly because of the unified tags/insurance system. Not an advocate of public car insurance, but I understand the advantages, -- Ryan Cousineau, rcousine@sfu.ca http://www.wiredcola.com President, Fabrizio Mazzoleni Fan Club