The surest way to avoid costs related to collisions is to not have them in the first place

About 80 per cent of the premiums that ICBC collects each year are paid out again to settle collision claims. If you are like me, we pay just over $500 per year for our basic insurance.

That means we have paid at least $400 per year directly out of our pockets for collisions whether we were in one or not!

I often ask if anyone has been directly affected by a collision in the past year when I am making a presentation to a group.

I can see people thinking about it and then a few hands may tentatively rise.

My answer usually surprises them and it may surprise you as well.

About 80 per cent of the premiums that ICBC collects each year are paid out again to settle collision claims. If you are like me, we pay just over $500 per year for our basic insurance.

That means we have paid at least $400 per year directly out of our pockets for collisions whether we were in one or not!

Recently ICBC announced plans to increase the penalties for drivers who do not follow the traffic laws. This idea was immediately met with howls of protest that were loud enough to cause our government to tell ICBC that it wasn’t acceptable.

Does this mean that the drivers who are more than likely going to place us all at increased risk of collision should feel a little bit of pain but not enough potential pain to cause them to think twice beforehand?

The surest way to avoid the costs associated with collisions is not to have them in the first place.

Yes, we all make mistakes, but let’s not practise the behaviours that encourage mistakes and let’s make it more difficult for those that do.

For more information on this topic, visit www.drivesmartbc.ca. Questions or comments are welcome by e-mail to comments@drivesmartbc.ca.

Tim Schewe is a retired RCMP constable with many years of traffic law enforcement experience. His column appears Friday.

 

Get local stories you won't find anywhere else right to your inbox.
Sign up here

Just Posted

Island Health chief medical officer Dr. Richard Stanwick receives a first dose of Pfizer vaccine, Dec. 22, 2020. (B.C. government)
COVID-19: B.C. seniors aged 80+ can start to sign up for vaccination on March 8

Long-term care residents protected by shots already given

COVID-19. (Image courtesy CDC)
SD71 to address COVID-19 exposures with virtual town hall

The meeting is set for Thursday, March 4

Courtenay Elementary is the latest school on a growing list that has COVID-19 exposures. Google Maps photo
Courtenay Elementary latest school on growing list of COVID-19 exposures

Exposure dates at the school on McPhee Avenue are Feb. 22, 23 and 24

A decision to terminate the CVEDS contract aligns with the CVRD board and municipal partners’ interests to pursue economic and community development initiatives at a more local level. File photo of CVRD office in Courtenay
Comox Valley Regional District board votes to terminate CVEDS contract

The Comox Valley Regional District board has decided to provide the Comox… Continue reading

Island Health has announced a COVID-19 outbreak at Glacier View Lodge, a long-term care facility in the Comox Valley. File photo.
Island Health declares a COVID outbreak at Glacier View Lodge in Courtenay

A COVID-19 outbreak has been declared at a long-term care facility in… Continue reading

Langley resident Carrie MacKay shared a video showing how stairs are a challenge after spending weeks in hospital battling COVID-19 (Special to Langley Advance Times)
VIDEO: Stairs a challenge for B.C. woman who chronicled COVID-19 battle

‘I can now walk for six (to) 10 minutes a day’

Cannabis bought in British Columbia (Ashley Wadhwani/Black Press Media)
Is it time to start thinking about greener ways to package cannabis?

Packaging suppliers are still figuring eco-friendly and affordable packaging options that fit the mandates of Cannabis Regulations

B.C. Attorney General David Eby speaks in the legislature, Dec. 7, 2020. Eby was given responsibility for housing after the October 2020 provincial election. (Hansard TV)
B.C. extends COVID-19 rent freeze again, to the end of 2021

‘Renoviction’ rules tightened, rent capped to inflation in 2022

Face mask hangs from a rear-view mirror. (Black Press image)
B.C. CDC unveils guide on how to carpool during the pandemic

Wearing masks, keeping windows open key to slowing the spread of COVID-19

Churches, including Langley’s Riverside Calvary Church, are challenging the regulations barring them from holding in-person worship services during COVID-19. (Langley Advance Times file)
Tofino Resort and Marina has temporarily shut down after several staff members tested positive for COVID-19. (Nora O’Malley photo)
COVID-19 confirmed at Tofino Resort and Marina

Resort apologizes to Hesquiaht First Nation for Valentine’s Day boating incident.

Det. Sgt. Jim Callender. (Hamilton Police Service screenshot)
B.C. man dead, woman seriously injured after shooting in Hamilton, Ont.

The man was in the process of moving to the greater Toronto area, police say

Wildlife advocate Gary Schroyen captured this picture of a one-year-old cougar in the Sooke Hills using a homemade trip camera. Vancouver Island is home to approximately 800 cougars, which makes up about a quarter of the total population in B.C. (Gary Schroyen photo)
Wildlife advocate Gary Schroyen captured this picture of a one-year-old cougar in the Sooke Hill using a homemade trip camera. Schroyen presents Animal Signs: The Essence of Animal Communication on Nov. 30. (Gary Schroyen photo)
Declining Vancouver Island cougar populations linked to wolves

Large carnivore specialist says human development still plays biggest role on cougar numbers

Most Read