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Car insurance Comprehensive coverage

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 楼主| 发表于 5/8/2018 16:40:41 | 显示全部楼层



What affects your Autoplan premiums?
Like any insurer, we try to match insurance costs to a driver's and a vehicle's risk—that is, the likelihood of a claim in the future.
The main factors we look at
How you use your vehicle
Your premiums reflect the amount of time you spend on the road and the different conditions you drive in. More about rate classes.
Where you live or use your vehicle
We divide the province into territories based on geography, because traffic and other driving risks vary around the province.
Your insurance and claims history
A crash-free record gives you discounts on your Autoplan premium. If you've had at-fault crashes, you could be paying more. Check how your insurance and claims history can change your premium.
If you choose to buy Optional coverages, there are a few more factors
The type of protection you choose
Optional products—like Collision, Comprehensive or extended third-party liabilityto protect you, your family and your vehicle—will add to what you pay.

Your deductible
Your deductible is the amount you pay in a claim before we cover the rest. The lower the deductible, the more your coverage will cost.
The vehicle you drive
The age, make, model and features of the vehicle you drive, along with its repair costs, affect your premiums.
We take your vehicle and group it with similar vehicles based on factors like body style, horsepower, costs of repairs and vehicle price. Each group of similar vehicles is assigned a vehicle identification code (VIC) to help calculate the price of your insurance like cars, minivans, SUVs and light trucks.

Talk to your Autoplan broker if you have questions about how your insurance is calculated and how you can save money.

 楼主| 发表于 5/8/2018 16:46:54 | 显示全部楼层
What's a rate class?
Maybe driving your vehicle is part of your job. Maybe you just drive a few times a week. There are many ways that B.C. drivers use their vehicles, and we use rate classes to reflect that.
Common rate classes
Pleasure. Driving for typical day-to-day activities, like errands, driving kids to school or going on vacation. You can also use the vehicle for up to six days in a calendar month for commuting, business or delivery.

Commuting. Driving to work or school, in addition to pleasure use. There are different rate classes, depending on how far you commute.

Business. Driving for business purposes – for example, a salesperson or realtor who drives to meet with customers. You may also need different insurance if you lend your vehicle in a peer to peer car sharing serviceor drive passengers for payment, for a service such as Uber, Lyft, or as a taxi or limousine driver.

Delivery. Driving for delivery. There are different rate classes depending on the type of vehicle, what it delivers and the distance travelled.
It's important that you talk to your Autoplan brokerabout all the ways you use your vehicle, and who drives it. If you're in the wrong rate class, it could affect your coverage and leave you personally responsible for the cost of any claims.
If you're 65 or older and don't use your vehicle for commuting, business or delivery, you could pay less with a seniors' rate class. Ask your broker.
Experienced drivers
If everyone in your household who uses the vehicle has 10 or more years of driving experience, you could pay less for your coverage. Experienced-driver savings can apply to pleasure, commuting and business rate classes.


 楼主| 发表于 5/8/2018 17:17:38 | 显示全部楼层
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Cancel your insurance
Our most important tip if you need to cancel your Autoplan policy is to treat your licence plates like cash—they're linked directly to your insurance.
How to cancel your insurance
To cancel your insurance, you’ll need to visit your Autoplan broker with:
The sooner you cancel your licence plates and insurance, the more you may get back if you're eligible for a refund. A cancellation fee may apply.
Refund amounts
The refund amount depends on:
  • the time remaining on the policy term
  • any outstanding debt, and
  • any non-refundable fees (for example, transfer of ownership fees, new licence plate fee or payment plan enrolment fee).

Payment plan customers
If you're on a payment plan, try to cancel at least one day before your payment is due. Depending on your situation, there
may be an additional withdrawal from your account to cover any missed payments or non-refundable fees.  Your Autoplan broker can answer any questions you have about your cancellation.  




Cancelling your policy after selling your vehicle

When you sell your vehicle, visit your local Autoplan brokeras soon as possible. Take the licence plates and your insurance papers. Your broker may recommend that you cancel your plates and insurance, or transfer them to a new vehicle if that's a better option for you.

Keep a copy of your bill of sale or the transfer of ownership formfor your records.


Cancelling your policy if your vehicle is a write-off

Take your licence plates and insurance papers to your local Autoplan brokerand find out the best option for you. You may want to cancel the Autoplan policy, or transfer it to another vehicle.


Cancelling your policy if you lease the vehicle

Contact the leasing company. Since the leasing company actually owns the vehicle, you'll need its permission to cancel the insurance.


Cancelling your policy outside of B.C.

How to cancel your insurance from outside B.C. depends on whether you still have your B.C. licence plates.
If you still have your B.C. plates, mail them to us along with:
  • a signed letter requesting the cancellation that includes your licence plate number, new address and new phone number
  • your Owner's Certificate of Insurance and Vehicle Licence (keep the bottom part, the "vehicle registration," because you’ll need it to register your vehicle outside of B.C.)
  • a photocopy of your new registration document, if you've already registered your vehicle outside B.C.
Mail the letter, documents and plates to:
ICBC - Cancellations
Room 205 - 151 West Esplanade
North Vancouver BC  V7M 3H9
If you surrendered your licence plates in B.C., or to a licensing authority outside B.C., send us:
  • a signed letter requesting the cancellation that includes your licence plate number, new address and new phone number
  • a copy of the receipt to show that you have surrendered your plates to a licensing authority outside B.C., if you didn't surrender them in B.C.
Mail this information to the address above, or fax it to 604-661-6727.
Note: if you send a fax, it must show an out-of-province area code.


Cancelling a policy if the registered owner passes away

Have you lost a loved one who was the registered owner of a vehicle? Please be aware that it's important to contact your local Autoplan broker as soon as you can. Your Autoplan broker will help you cancel or change the policy.
The sooner you cancel the licence plates and insurance, the more you'll get back (if a refund is due).
Your broker can help you determine what estate documentation you'll need to cancel the insurance, make changes to the policy or transfer ownership of the vehicle.
You may also want to see:


Questions? Contact us

Still not finding an answer to your question? Your Autoplan brokercan help, or contact us.











 楼主| 发表于 5/8/2018 17:39:10 | 显示全部楼层



Basic coverage
ICBC Basic Autoplan insurance is the mandatory coverage you need for a vehicle in B.C.  It helps ensure that you and all British Columbians who own and drive a motor vehicle here are protected with a basic level of coverage.
You can also choose to buy extra coverage for you, your family and your car with Optional Autoplanproducts.
Protection if you’re responsible for a crash
Third Party Liability coverage protects you when you're at fault in a crash and another motorist makes a claim against you. Your Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage.
Here's an example
Jay drove into another car as he was turning. That car was badly damaged, and both people in it were hurt. Jay felt awful about the crash, but he knew that his third party liability coverage would look after the costs to repair the other car, and for the medical costs and wage losses for the people who were in it.

Medical costs, wage loss and more
Autoplan Accident Benefits help you, your passengers and members of your household with medical costs, wage loss and more if you’re injured in a motor vehicle crash, even if you’re at fault.
To help you on the road to recovery, Accident Benefits provide up to $150,000 in medical and rehabilitation costs. This could include costs like hospital care, chiropractic treatments, dental care, medication, physiotherapy, medical equipment and more.
Here's an example
Karen’s car slid on an icy patch and went off the road. She had some bad injuries, and she was relieved to learn that her accident benefits covered her medical costs, including physiotherapy and prescriptions. She had to miss a few weeks of work too, but her coverage helped pay for some of her lost earnings.

If the other driver doesn’t have enough insurance
Even if the person who’s responsible for a crash doesn’t have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you.
Here's an example
Vic and his son were in a crash caused by a driver who didn’t have any insurance. Vic was worried until he found that his Underinsured Motorist Protection (UMP), which is part of Basic Autoplan, would look after their costs.

Basic UMP covers you and members of your household:
  • when you own or lease a vehicle
  • when injured or killed in a motor vehicle crash as a driver, passenger, or as a pedestrian or cyclist
  • for claims of up to $1 million per insured person.

Many buy Extension Underinsured Motorist Protection to increase that protection up to a total of $2 million, $3 million, $4 million or $5 million.
Hit-and-run damage and injuries
Hit-and-run coverage protects you and your vehicle. It's available to every B.C. resident, even if you don't own or insure a vehicle. If you're eligible, up to $200,000 is available to anyone whose property is damaged, or who is injured or killed in a crash on a roadway in B.C.
Protection where local laws can affect your claim
Inverse liability protection covers you in parts of Canada or the U.S. where local laws don't let you claim against the person who caused your crash.
Your vehicle repair costs are covered up to 100 per cent (less if you were partly at fault for the crash). For example, if you were 25 per cent at fault, you'll receive 75 per cent of the cost of repairing your car.
Talk to your Autoplan broker
For more details on what Basic Autoplan covers, talk to your Autoplan broker or refer to your Autoplan insurance brochure.
What could affect your Basic Autoplan coverage
Here are some things you can do to help ensure your coverage stays valid:
  • Your vehicle must be rated correctly. It’s important that you tell your broker how you use your vehicle (that is, yourrate class), and who will be driving it the majority of the time.
  • If you have a claim, provide correct information.
  • Never drive if your driver’s licence is expired or suspended, and make sure that anyone who drives your vehicle has a valid driver's licence.
  • Don’t drive when you’re impaired by alcohol or drugs.
  • Be aware your Basic Autoplan insurance only covers you in Canada and the U.S.



 楼主| 发表于 5/8/2018 17:41:40 | 显示全部楼层
本帖最后由 郭国汀 于 5/8/2018 17:49 编辑

Road test re-examination
If your licence has been expired, cancelled or suspended for more than three years and you have not had another driver's licence during that time, ICBC will require a road test re-examination.
For drivers under the age of 65, the appropriate road test fee will be collected.
What to expect
You will first take a vision screening and road signs test before being issued a learners licence. There is no fee for the road signs test.
Any holds for outstanding fines, medicals, cancellations or prohibitions must first be satisfied.
If you have been licensed to operate several classes of vehicles, a road test using each type of vehicle will be required.
Should you wish to retain a previously held air brake endorsement you must also complete an air brake pre-trip inspection on an air brake equipped vehicle.
Your road test may be taken subject to appointment availability.  
Booking your re-exam appointment
To book an appointment for a re-exam call:
  • Metro Vancouver: 604-661-2255 Monday – Friday 8 a.m. - 5 p.m.
  • Rest of B.C.: 1-888-715-7775 Monday – Friday 8 a.m. - 5 p.m.
Prepare for your road test appointment
Before your road test re-exam, it's helpful to review and refresh your driving knowledge and skills. ICBC has resources to help you prepare:


 楼主| 发表于 5/9/2018 12:24:05 | 显示全部楼层
Prepare for your road test appointment
Before you come to your road test, make sure you have the right ID, documentation, and that your vehicle is test-ready.
What to bring to your road test
When you come for your test, be sure to bring:
Note:
  • If you plan to use a vehicle from a car sharing co-op or company, please check in with them for more details.
  • Audio, video and other recording devices cannot be used during your road test. GPS and navigation systems must be turned off. Using these devices could lead to the cancellation of your road test appointment.
Prepare questions for your examiner
We want you to feel as prepared, confident and comfortable as possible. Come prepared with questions, and if you can, print and complete the ready for your road test card. It'll help your examiner to understand your needs and answer your questions before you start.
Vehicle safety checklist
You need to bring a safe, reliable vehicle for your road test. If it isn't safe (e.g. seatbelts not working, outstanding serious vehicle safety recall) or doesn't meet legal requirements, we may have to cancel your test. Check the Motor Vehicle Safety Recalls Database for vehicle safety recalls.
10 most common reasons a vehicle might not be accepted for a road test:
1. Cracked or illegally tinted windshield or windows
2. Dash warning lights (e.g. air bag) that affect the safe operation of the vehicle
3. Seatbelts not working or frayed
4. Brake lights, signal lights or headlights not working or with badly cracked or missing lenses
5. Vehicle not properly licensed or insured
6. Unsafe or illegal vehicle modifications
7. Horn not working
8. Unsafe tires
9. Doors or windows not operating (e.g. doors don’t open from inside)
10. Gas tank or electric charge too low


 楼主| 发表于 5/9/2018 17:14:57 | 显示全部楼层
Tickets and penalties
Learn how to pay or dispute a ticket. And find out more about penalties, including points, prohibitions, impoundments, suspensions, and more.
Paying a ticket
If you've received a traffic ticket, you can pay it over the phone, by mail or in-person.  
Disputing a ticket
If you want to dispute the ticket (allegation) or amount of the fine, here's how to dispute.
Fines and points for B.C. traffic offences
Each offence is associated with a number of points. Find the chart of fines and points for B.C. traffic offences.
Driver Penalty Point premium
In addition to a fine for a traffic ticket, you may have to pay the Driver Penalty Point Premium.
Driver Risk premium
A Driver Risk Premium is charged to drivers with one or more driving offences or convictions.

Multiple-Crash Premium
This premium is charged to drivers who are found 50% or more at fault for three crashes within a 3-year period.
Licence suspensions
If you've been convicted of a motor vehicle-related criminal offence, your driver's licence can be suspended.
Driver prohibitions
B.C. motorists can be prohibited from driving for various reasons.
Admin istrative driving prohibition
A 90-day driving prohibition issued to impaired drivers under the Motor Vehicle Act.
Vehicle impoundment
A vehicle can be impounded by police when the driver is impaired, or for other reasons. Find out how to get your vehicle back.



 楼主| 发表于 5/9/2018 17:33:41 | 显示全部楼层



Disputing a ticket
You can dispute if you believe a ticket was issued unfairly, would like the fine to be reduced or the payment delayed.
How long you have to dispute:
  • You have 30 days to dispute a traffic ticket from the violation date.
  • You have 30 days to dispute a red light camera ticket that was served to you in person or 45 days to dispute a ticket received in the mail.  
How to submit your disputeIn person
You or someone on your behalf can dispute in person. You must bring your ticket to any driver licensing office or provincial court registry.  
If you don't have your ticket, you must at least know the ticket number, when you got the ticket, what's it for and how much is the fine. Otherwise, we likely won't be able to register the dispute. Don't forget to bring your driver's licence too.
By mail
If you register your dispute by mail, include the following in a letter:
  • whether you're disputing the allegation (offence noted on the ticket) or the fine amount
  • the traffic violation ticket number and date of the offence
  • your full name, address, driver's licence number, and date of birth
  • the Act and Section number of the offence. (This information is written on the ticket.)
Mail your letter, along with a photocopy of the front of your ticket, to:
Ticket Dispute Processing
Bag #3510
Victoria, B.C., V8W 3P7
Mail your dispute within 30 daysYour dispute must be post-marked within 30 calendar days from the date the ticket was served to you. There is no need to include court evidence such as videos or pictures.
Going to court
To complete an allegation dispute, you'll need to appear in court. Your court date will be mailed to you by the Provincial Court Registry. If the court date doesn't work for you, reschedule it by contacting your local court. If you miss your court date you'll have to pay the ticket.
If you're disputing the fine amount or are requesting more time to pay, you may not have to appear in court.
Not your ticket?Traffic tickets
If you believe that a ticket appearing on your driving record belongs to someone else, you can have it reviewed. Call us for more information.
Red light camera tickets
Red light tickets received in the mail are issued to the owner of the vehicle. If someone else was driving and should be responsible, it's possible to nominate another driver and have it moved to their name. To do this, both you and the other driver need to agree and submit an application. If the application is approved, a new ticket will be issued and served in person to the other driver.
If you can't agree or the application is rejected, the vehicle owner is responsible for paying the fine.
To nominate another driver:
  • Print and complete the driver nomination form.
  • Mail the completed application within 45 days from the "Date Violation Ticket Completed" (remember to allow 10 days for mailing) to:
    • Driver Nomination
      PO Box 2160 Station Terminal
      Vancouver BC V6B 6G5

If the original ticket has been personally served, you can't nominate another driver.
Commercial drivers
If you own a commercial vehicle (for example, a taxi, bus or truck) and receive a red light camera ticket, points will be added to your National Safety Codeprofile.
Update your address with the court
Don't take the chance of missing your court date notice in the mail. If you've recently moved, ensure they have your information on file. To confirm or update your address, directly contact your local court.
Transit fare evasion tickets
If you have a transit fare evasion ticket, it must be paid before renewing your driver's licence or Autoplan insurance.
For more information about your transit debt, contact ICBC account services:
  • 604-661-2723 in the Lower Mainland or
  • 1-800-665-6442 toll free.
More information
To reach the Violation Ticket Centre call 1-877-661-8026 toll-free within Canada or 604-660-4869 in the Lower Mainland.
Quick links
 楼主| 发表于 5/9/2018 20:26:31 | 显示全部楼层



Fines and points for B.C. traffic offences
Look up the amount of a fine or number of Driver Penalty Points for a traffic or driving offence.
Driver Risk Premium may also applyFor some offences or convictions such as excessive speeding and distracted driving, a Driver Risk Premium may apply in addition to fines and points.









Speeding fines and points

Motor Vehicle Act section
Description
Fine
Point level
146(1)
Speed in/outside municipality
$138-$196
3
146(3)
Speed against highway sign
$138-$196
3
146(5)
Speed against area sign
$138-$196
3
146(7)
Speed against municipal sign
$138-$196
3
146(11)
Speed on municipal line
$138
3
147(1)
Speed in school zone
$196-$253
3
147(2)
Speed in  playground zone
$196-$253
3
148(1)
Excessive speed
$368-$483
3


Distracted driving fines and penalty points

Motor Vehicle Act section
Description
Fine
Point level
214.2 (1)
Using electronic device while driving
$368
4
214.2 (2)
Emailing or texting while driving
$368
4
Motor Vehicle Act Regulations section
Description
Fine
Point level
30.072(1)(a)
Use an electronic device while driving in violation of driver's licence restriction
$368
4
30.072(1)(b)
Email or text while driving in violation of driver's licence restriction
$368
4

With increased enforcement in communities throughout B.C., having multiple infractions can now put a serious dent in your wallet. Learn more on tips for safe cellphone use.


Violations, points and fines

Motor Vehicle Act section
Description
Fine
Point level
24(1)
No driver's licence/wrong class
$276
3
24(3)(b)
Drive without insurance
$598
0
25(15)
Drive contrary to restriction (e.g., not wearing corrective lenses)
$109
3
33(1)
Fail to produce driver's licence or insurance
$81
0
73(1)
Fail to stop for police
$138
3
121
Unsafe driving of maintenance or construction vehicle
$109
2
123
Fail to obey police direction
$109
2
125
Disobey traffic control device
$121
2
127(1)(a)(ii)
Fail to yield to pedestrian
$167
2
127(1)(a)(iii)
Fail to yield to vehicle-green light
$167
2
128(1)(a)
Yellow light at intersection/no stop before intersection
$167
2
128(2)(a)
Yellow light-no intersection
$109
2
129(1)
Red light at intersection
$167
2
129(3)
Fail to yield-right turn-red light
$167
2
129(4)(b)
Fail to yield-left turn-red light
$167
2
129(5)(a)
Red light-no intersection
$167
2
130(1)(a)
Fail to yield or disobey green arrow
$167
2
130(2)(a)(i)
Fail to stop-yellow arrow-marked crosswalk
$167
2
130(2)(a)(ii)
Fail to stop-yellow arrow-intersection
$167
2
130(2)(b)
Fail to yield-yellow arrow-pedestrian
$167
2
131(1)(a)
Red flashing light at intersection
$167
2
131(2)(a)
Red flashing light-no intersection
$138
2
131(3)(a)
Yellow flashing light at intersection
$167
2
131(4)(a)
Yellow flashing light-no intersection
$138
2
131(5)(a)
Fail to yield at green flashing light
$167
2
134
Fail to obey lane direction control signal
$121
2
140
Disobey construction signs
$196-$253
3
141
Disobey flagman
$196
3
143
Drive over newly painted lines
$109
2
144(1)(a)
Drive without due care
$368
6
144(1)(b)
Drive without consideration
$196
6
144(1)(c)
Speed relative to conditions
$167
3
145(1)
Slow driving
$121
3
149
Fail to stop for school bus
$368
3
150(1)
Fail to keep right
$109
3
150(2)
Slow vehicle not on right
$109
3
150(3)
Fail to keep right of rotary traffic island
$109
3
151(a)
Unsafe lane change
$109
2
151(b)
Lane change solid line
$109
2
151(c)
Change lanes without signal
$109
2
151(d)
Left turn from wrong lane
$109
2
151(e)
Right turn from wrong lane
$109
2
151(f)
Illegal pass on laned roadway
$109
2
151(g)
Slow moving in wrong lane
$109
2
151.1(3)
Improper use of leftmost lane
$167
3
154
Passing when meeting oncoming traffic
$109
3
155(1)(a)
Cross solid double line
$109
3
155(1)(b)(i)
Fail to keep right of double broken/solid line
$109
3
155(1)(b)(ii)
Cross solid broken line
$109
3
155(1)(c)
Fail to keep right of single broken or solid line
$109
3
157(1)(a)
Fail to pass at safe distance
$109
3
157(1)(b)
Fail to complete pass safely
$109
3
157(2)(a)
Fail to yield passing vehicle
$109
3
157(2)(b)
Increase speed while being passed
$109
3
158(1)
Pass on right
$109
2
158(2)(a)
Unsafe pass on right
$109
2
158(2)(b)
Pass on right off roadway
$109
2
159
Unsafe pass on left
$109
3
160
Pass without clear view
$109
3
161
Disobey traffic sign or signal
$121
2
162(1)
Follow too closely
$109
3
162(2)
Commercial vehicle follow too closely
$109
3
162(3)
Fail to leave sufficient space between vehicle for passing
$109
3
163(a)
Drive over highway divider
$109
3
163(b)
Fail to keep right on divided highway
$109
3
164(1)
Enter controlled access highway
$109
3
164(2)
Leave controlled access highway
$109
3
165(5)
Improper turn at intersection
$109
3
166
Improper left turn-no intersection
$121
2
167
Improper right turn-no intersection
$121
2
168(a)
Unsafe U-turn
$121
2
168(b)(iii)
Prohibited U-turn
$121
2
168(b)(iv)
U-turn - intersection
$167
2
168(b)(v)
U-turn - business district
$121
2
169
Unsafe start
$109
2
170(1)
No signal on turn
$121
2
170(2)
Inadequate signal on turn
$121
2
170(3)
Fail to signal stop or decrease in speed
$121
2
171(2)
Drive without signal device
$109
2
172(2)
No proper signalling equipment for right-hand drive vehicle
$109
2
173(1)
Fail to yield at uncontrolled intersection
$167
2
174
Fail to yield on left turn/fail to yield to left turn vehicle
$167
2
175(1)
Fail to yield after stop
$167
2
175(2)
Fail to yield to vehicle leaving stop
$167
2
176(1)
Emerging vehicle-fail to stop
$121
2
176(2)
Emerging vehicle-fail to yield
$121
2
177
Fail to yield for emergency vehicle
$109
3
179(1)
Fail to yield to pedestrian
$167
3
179(3)
Pass vehicle yielding for pedestrian
$167
3
179(4)
Disobey school guard/ patrol
$167
3
181
Fail to exercise duty to pedestrian
$138
2
185(1)
Fail to stop or leave safely at railway crossing
$109
2
185(2)
Drive past railway crossing gate
$109
2
185(4)(e)
Commercial vehicle-no stop at railway crossing
$109
2
185(5)
Fail to proceed with caution at railway crossing
$109
2
186
Disobey stop sign
$167
3
191(2)(a)
Unsecured motor vehicle
$81
0
193
Reverse into intersection
$121
2
193
Reverse when unsafe
$109
2
196
Improper operation of vehicle on canyon, defile, or on mountain road
$109
2
197
Coast down grade illegally
$121
2
198
Follow fire truck too closely/ park near fire truck
$81
2
199
Drive over fire hose
$81
2
200
Drive on sidewalk
$81
2
203(1)
Open door while unsafe
$81
2
Motor Vehicle Act Regulations section
Description
Fine
Point level
3.02
Improper display of plate
$230
0
3.03
Illegible plate
$230
0
7A.01
Unnecessary noise
$109
3
30.10(2)
Fail to display "L" sign in violation of driver's licence condition
$109
0
30.10(4)
Fail to display "N" sign in violation of driver's licence condition
$109
0
47.02
Fail to slow down or move over near stopped official vehicle
$173
3


Motorcycle helmet or passenger violations and fines


Motor Vehicle Act section


Description
Fine
Point level
194(1)
Operate motorcycle-not on seat
$121
2
194(2)(a)
Passenger unlawfully on motorcycle
$109
0
194(2)(b)
Motorcycle passenger not lawfully seated
$109
0
194(2)(c)
Fail to use foot pegs or floorboards
$109
0
194(3)
Ride motorcycle without required helmet
$138
0
194(4)(a)
Permit passenger under 16 to be unlawfully seated
$109
2
194(4)(b)
Permit passenger under 16 to ride without required helmet
$138
0
194(9)
Obstruct a peace officer
$276
0
194(10)
Operate motorcyle-more than two abreast
$109
2


Seatbelt violations and fines

Motor Vehicle Act section
Description
Fine
Point level
220(2)
Operate vehicle without seatbelts
$167
0
220(3)
Operate vehicle with inoperative seatbelt
$167
0
220(4)
Fail to wear seatbelt
$167
0
220(6)
Permit passenger without seatbelt
$167
0


Motor Vehicle Act Regulations

Motor Vehicle Act section
Description
Fine
Point level
3.02
Improper display of plate
$230
0
3.03
Illegible plate
$230
0
7A.01
Unnecessary noise
$109
3
30.10(2)
Fail to display "L" sign in violation of driver's licence condition
$109
0
30.10(4)
Fail to display "N" sign in violation of driver's licence condition
$109
0
47.02
Fail to slow down or move over near stopped official vehicle
$173
3


Fines levied by courts


Motor Vehicle Act Section


Description
Fine
Point
level
70(1)(a)
Illegal use or possession of permit or insurance
$115-$2,300
0
70(1.1)(a)
Illegal use or possession of identification card
$460-$23,000
0
70(1.1)(b)
Illegal use or possession of driver's licence
$460-$23,000
0
Motor vehicle-related Criminal Code (Canada) offences
10
95(1)
Driving while prohibited
$575-$2,300
10
234(1)
Driving while suspended
$575-$2,300
10

















 楼主| 发表于 5/9/2018 22:08:22 | 显示全部楼层



Driver Penalty Point Premium
Drivers with more driving offences or convictions get involved in more crashes than other drivers. If you’ve accumulated points on your driving record, you could receive a bill for a driver premium. There are two different driver premium programs, both of which are assessed annually – the Driver Penalty Points Premium and the Driver Risk Premium.


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Driver Penalty Point Premium
Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. Each year we look at the total number of points you received during a 12-month period we call your "assessment period." Your assessment period may include driving offences during an earlier period which have only recently been recorded on your driving record.
If you collect more than three points on your driving record during the assessment period, you'll pay a Driver Penalty Point (DPP) premium.  
With increased enforcement in communities throughout B.C., having multiple infractions can now put a serious dent in your wallet. The more penalty points on your driving record, the more you'll pay as a result.
Driver Penalty Points are separate from Autoplan insurance premiums. They are billed even if you don't own or insure a vehicle.
How much will I pay?
The premium ranges from $175 for four points to $24,000 for 50 or more points. To find out how much you will pay, compare the number of points on your driving record with the table of Driver Penalty Point premiums.
Driver Risk Premium
Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Premium. You will be billed once per year under the program that results in the higher premium












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