Ideas for ICBC

New year , Gas prices up and second commuter car ? Insurance Up :-(

Thought may propose some ideas to ICBC to reduce the carbon foot print and using things efficiently.

First thing i looked at my office cars. 95% comprised of midsize cars, minivans / suv/ crossovers ,

All of them coming to office with one person on morning and one person back home. So why they need big cars - because they work for family and for family they want big cars. If they go for a 2 seater commuter car, insurance will be greater than adding extra gas on a big car.

So increase insurance cost on big vehicles ? already we pay double than US.

Another idea ?

Allow people to register multiple cars on same plate ( ex: a commuter car and a minivan), with say an increase of storage insurance cost .

Advantage : when people are going alone or only carrying one person with them, the commuter cars will be used. So normal office less cost drive , less gas, less pollution and no compromise on convenience.

Ok, so what should define a commuter car : This is a the key : Set 70 mpg (US) combined mileage for ICE , Hybrids etc. Add range extenders/EV from 60 kms EV kms (say 40 mile EV range ). No other qualifies for commuter car. Make the mpg and EV miles a moving standard , so this is for 2011 and 2012, 2013 standards will be announced nearing to that time and so on . Similarly emission restrictions, 4x4 class ( as we are a snow belt ) etc also other than mpg can be added.

This will force automakers to bring fuel efficient technologies and cars from different parts of the world as well as produce new (ex: japan - kei cars ) .

Wondering on the inputs.

© yankandpaste®

Paying for the Rich - An ICBC story

Finally i am understanding - we live for the rich to take advantage of us.

Let me tell the full story

I was driving last day and my car skid and hit side of the road. I was not on high speeds or my car was not bad. But i think i was a bit fast for the climate ( it was drizzling and road became slippery ). I travel the same way for last 3 yrs and never had any problems.Why it slipped on that day ? I am not sure because i travelled on same road 8.5 hrs before. lets be back to story.

So car skid and hit the concrete barrier. Fortunately nobody got injured (yes i had my 2 year old boy in the car ) but the car got some repairs, I reported the incident to police and some towing company towed the car to ICBC.


Now the real story :
Dialed ICBC - The first made the claim and asked options. Then real understanding started. If i make a claim even its $100 its going to have subsequent insurance increase of 55% next year 45% second year and 35% third year and 4th year it will be back to my current rate. This means around $5000 extra to my budget over 3 years. I brought the car for $3500 2 years back.This means ICBC write off my car is going to give me $3500 max.


Afer i heard all maths from icbc i dialed one of my friend for a second
opanion and he revealed his story which finally end up in not claiming and fixing car himself.

Now i started thinking, what about rich ? They own cars of $35000+, a skid means $10000 min. They also pay the same insurance extra as me if they claim ( so extra $4000 ) and $6000 for free.

From where this money comes ? From mine and your insurance. Finally we pay insurance for


For making ICBC profit full
For giving free money to Rich ( last 3 yrs i paid more that $7000 as insurance to ICBC and now i have to write off my car which adds another $2000 ( after my own use deduction )


Time to think - Do we really need these systems ??


ICBC ? http://www.icbc.com/

Expect another article on Carbon tax, This is another way the working class pay for rich to remodel/expand their business.
© yankandpaste®