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Car insurance Comprehensive coverage

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 楼主| 发表于 5/10/2018 00:27:46 | 显示全部楼层
Responsibility or fault
For every crash, we carefully investigate to determine who is at fault, or responsible. Your adjuster will help explain the responsibility assessment to you. If you have any questions, we're here to help.
How we assess responsibility in a crash
Learn how we assess responsibility and see common crash examples.
If you are at fault
If you're determined responsible for a crash, find out what your insurance covers and how it may be affected.
If you are not at fault
If you're determined not responsible for a crash, find out what is covered by your insurance and the at-fault motorist's insurance.



 楼主| 发表于 5/10/2018 00:34:35 | 显示全部楼层
Appeals and disputes
Your experience matters to us. If you have concerns about your claim, we'll do whatever we can to make it right.
Appeal a fault assessment
If you don't agree with your adjuster's assessment of responsibility for a crash, you can have your case reviewed.
Appeal your settlement offer
If you're not satisfied with the amount offered to settle your claim, find out what to do.
Appeal how your claim was handled
Find out what to do if you're not happy with how you were treated or how your claim was handled.


Appeal a denied claim
Has your claim been denied by your adjuster? You can appeal the decision.
Freedom of Information requests
For all claims, you can make a request for information under the Freedom of Information Act and Protection of Privacy Act.
Previous arbitration decisions
ICBC posts the decisions of arbitrators in disputes related to Underinsured Motorist Protection, as required by law.



 楼主| 发表于 5/10/2018 11:51:04 | 显示全部楼层
Understanding why crashes happen
You can't ever be fully protected when you get behind the wheel. But there’s a lot you can do to make better informed decisions.
High-risk driving
Following too closely and failing to yield are two of the five most common high-risk driving behaviours. Find out how you can share the road safely.
Impaired driving
Plan for a safe ride home before your first drink to keep our roads safer for everyone.

Speed
Speeding is one of the leading causes of car crash fatalities in B.C. Keep yourself safe by slowing down, keeping your distance and passing with care.
Distracted driving
Leave your phone alone—that's a first step to help keep your attention on the road.



 楼主| 发表于 5/10/2018 13:56:40 | 显示全部楼层
Preventing auto crime
Auto crime is a persistent threat in B.C.; help protect your vehicle by identifying risks and taking away opportunities for thieves.
According to police data, 56,600 vehicles were broken into and 11,600 were stolen in 2017. That means thieves are on the prowl and any valuables left in the open can make your vehicle an appealing target. Help do your part to deter thieves and learn how ICBC is working with communities to fight auto-theft.
Thieves look for opportunitiesOlder vehicles are easier targets
Older vehicles tend to have weaker door locks and fewer modern security measures such as electronic engine immobilizers. If your vehicle was manufactured prior to 2007, you may want to use a steering-wheel lock to better secure your vehicle.
As of September 1, 2007 all cars, vans, light trucks and SUVs are required to have anti-theft engine immobilizers at the time of manufacture.
Most stolen items from vehicles
Remember that what's in your vehicle is also at risk. According to police reports, these items are the most popular:
  • Smartphones
  • Personal electronics—tablets, laptops, iPods, GPS
  • Work tools
  • Credit cards and identification
  • Stereo equipment
  • Cash and change
  • Car parts and accessories
  • Garage door openers
  • Sunglasses
  • Keys



What you can do
Don’t give thieves a chance:
  • Treat your keys like cash. Never leave your keys unguarded, such as at the gym or at the office.
  • Park in secure, well-lit areas. Always lock your doors and close the windows, even if you’re only away from your vehicle for a few minutes. When possible, try to park in areas near pedestrian traffic.
  • Remove valuables from your vehicle. Shopping bags, tools, spare change, electronics, and brief cases can all tempt a thief. If it can be stolen, put it in the trunk.

  • Wait for garage door gates to close behind you.  Don't give thieves a chance to sneak in to a parkade.
  • Keep your garage door opener out of sight. Store your garage door remote in a glove box or other concealed place, or take it with you.
  • Use an electronic engine immobilizer or steering wheel lock. Additional anti-theft devices can help secure your vehicle, particularly if it was manufactured before 2007.

  • Don’t store a spare key in your vehicle. Keep your spare key or valet at home or on your person.


Use anti-theft devices
  • Electronic immobilizers are anti-theft devices that cut off power to a vehicle’s fuel, starter, or ignition system when not in use. If your vehicle is equipped witha passive electronic immobilizer, you may be eligible for discounts and savings.

  • Vehicle alarms will draw attention to would-be thieves with sirens, beeps and other loud noises. Some systems will also trigger flashing lights.

  • Steering wheel locks are good visual deterrents. However, they may not be enough protection if your vehicle has a moderate to high risk of being stolen.

What ICBC’s doing
ICBC invests in auto crime prevention programs because less crime benefits everyone and helps keep rates as low as possible. We provide support to police enforcement activities in the province, such as IMPACT and the Bait Car program, as well as a variety of community prevention efforts.
IMPACT (Integrated Municipal Provincial Auto Crime Team)
ICBC supports IMPACT, an auto crime enforcement team that operates year-round and is comprised of specialized auto theft investigators. IMPACT engages in a wide variety of auto crime enforcement activities and is continually developing innovative strategies to reduce auto crime in B.C.
The Bait Car program
The Bait Car program is an enforcement strategy maintained by IMPACT in order to deter and capture auto thieves. Using live-feed and GPS technology, police monitor thieves’ activities in real-time and apprehend those that engage in criminal activity. Police also equip these vehicles with Bait Property (such as laptops or gym bags) which can be tracked if stolen from the vehicle.
The program also includes Bait Trailers and Commercial Bait Vehicles to help police combat the theft of these vehicles and their contents.

Community-based activities
ICBC partners with local police in communities that are seeing spikes in auto crime. When able, we help to fund steering wheel locks that police distribute to owners of older model vehicles being targeted by thieves.
We also invest in community-based education and prevention activities led by local groups and volunteers, such as the Lock Out Auto Crime and Stolen Auto Recovery programs.
Savings for using anti-theft devices
ICBC offers insurance savings and deductible rebates to eligible customers that protect their vehicles using anti-theft devices. Contact your local Autoplan broker for details.
 楼主| 发表于 5/10/2018 14:07:36 | 显示全部楼层
Winter driving
Ice, snow, slippery highways — driving in winter conditions can be both challenging and frustrating. Here are some helpful tips to keep you and your loved ones safer on the road.
It's snowing! What do I do?
Feeling uneasy about driving? You're not alone. According to an ICBC survey, almost four in 10 of respondents feel less confident driving during the winter. In addition, seven in 10 feel less safe and frustrated by the actions of other drivers.
Staying off the road can sometimes be a less stressful and safer option.
Instead of driving, you may want to consider taking public transit if available, carpooling with a friend who's a confident driver, taking a taxi or working from home.







If you're feeling confident

If your vehicle is equipped for the weather and you're feeling confident, remember to take extra precautions on the road.
Plan ahead and always check road and weather conditions on drivebc.ca before heading out.
Be sure to leave more following distance, slow down, and give yourself more time to get where you're going. Speed limits are set for ideal conditions only.


Using winter tires

Although winter tires are not mandatory in B.C., keep in mind that the Ministry of Transportation and Infrastructure can designate them to be required on certain roads and highways. This typically happens during the fall and winter months in northern B.C. and the southern Interior.
If you're driving on these roads without winter tires, police can ticket you and make you turn back.
ICBC recommends winter tires
For your safety and the safety of other drivers, ICBC recommends winter tires for driving in snow and ice, especially if you live in an area where you would normally expect a lot of snow. You're less likely to slide on the road because all season tires can begin to lose their elasticity and grip on the road at temperatures below 7°C, according to Transport Canada.


Will driving without winter tires void my insurance?

No. Driving without winter tires will not void your insurance if you have a claim. It also won't mean you're automatically at-fault in a crash. However, if you get in a crash where winter tires could have helped, not having them may affect whether — or how much — you are at fault.


Driving in bad weather

Hydroplaning
Hydroplaning happens when the tires lose contact with the road surface and float on a film of water. If you find yourself hydroplaning, ease off the accelerator and keep steering in the direction you want to go. Avoid braking.
Black ice
During the winter, temperatures can change quickly, which can cause unpredictable road conditions. Although the road may look the same, black ice can form unexpectedly and may not be visible.
Black ice is commonly found on roads with shaded areas, bridges, overpasses and intersections where car exhaust and packed snow freeze quickly.
If you drive over black ice and start to skid, ease off the accelerator, and look and steer smoothly in the direction you want to go. Don't brake! this will make the situation worse. You may need to repeat this manoeuvre several times until you regain control.
Adjust for conditions
Potholes can be another hazard during cold and wet weather. For all types of winter hazards, remember two key tips: reduce your speed and increase your following distance. The more time you have to react to any hazard the better.











 楼主| 发表于 5/10/2018 14:13:16 | 显示全部楼层
本帖最后由 郭国汀 于 5/10/2018 15:03 编辑

Driving in poor conditions
Make sure you're prepared
Snow, sleet, rain and fog are just some of the challenging conditions we can experience when driving in our province. Since weather is unpredictable, make sure you always plan ahead to make your trip safer and that your vehicle’s seasonally prepared — it’s just as important as slowing down and observing the posted traffic or road advisories.


Make your drive safer
If you can’t avoid driving in poor conditions, here are some tips to make your drive safer:
  • Posted speed limits are designed for ideal road conditions. Slow down when driving on snow, ice, slush or rain.
  • Allow yourself at least twice the normal braking distance on wet or slippery roads.
  • Avoid driving through flooded or washed out roads.
  • Use extreme caution when approaching highway maintenance equipment including plows, salt and sand trucks. Never pass on the right.
  • Low beams are more effective in fog or heavy snow.
  • Check tire pressure regularly. Pressure drops in colder conditions.
  • Keep the wiper fluid topped up for clearer visibility.
  • Keep your gas tank full to prevent gasoline from freezing in extreme temperatures.
  • Check roads and weather before your trip at toll-free 1-800-550-4997 or www.drivebc.ca
Q&A
When do I need winter tires?
Certain highways in B.C. require the use of winter tires at certain times of the year. Signs are posted on these designated highways to advise drivers where and when winter tires are required. Both the mountain snowflake and all-season mud and snow (M+S) tires meet the requirement of winter tires in B.C.
A performance-based standard (mutually agreed upon by the U.S. Rubber Manufacturers Association and the Rubber Association of Canada) specifically designates passenger and light truck winter tires that provide a higher level of traction in harsh winter conditions. Winter tires that meet these standards are identified by a three-peak mountain and snowflake symbol.
M+S tires are a safe option if you only encounter winter conditions on a limited basis and are prepared to drive with added care and caution. Whichever winter tires you choose, it’s important that they have a minimum tread depth of 3.5 mm. When you’re buying tires, remember to tell your local tire retailer what kind of road and weather conditions you drive in, so you get tires that are best suited for your needs.
If you live or travel in an area where you would normally and regularly expect snow, ice and slush, we recommend using four matched winter tires that carry the mountain/snowflake winter tire symbol.
What if my car’s stuck in the snow?
Clear away the snow from around your tires to allow your wheels to roll more freely. If you have something to help your traction (such as traction mats, old carpets, salt, sand or kitty litter), put it right in front of your drive wheels. Gently rock your vehicle back and forth by shifting from forward to reverse, gradually increasing the distance with each rocking motion. Refer to the owner’s manual for more information.
How can I regain control if my vehicle skids due to black ice?
Skids can happen any time your tires lose grip on the road. If you drive over black ice and your vehicle starts to skid, ease off the accelerator, and look and steer smoothly in the direction you want to go. Don’t brake — this will make the situation worse! You may need to repeat this manoeuvre several times until you regain control.
Is cruise control okay in winter driving conditions?
Don’t use cruise control in wet or slippery conditions. An activated cruise control system will continue to apply power, keeping your wheels spinning. Snow, ice, slush and rain can cause wheel-spin and loss of control. The only way to stop it is to reduce power. By the time you turn off your cruise control, it may be too late for you to get control of your steering again.
How can I prevent hydroplaning?
Hydroplaning takes place when the tires lose contact with the road surface and float on a film of water, and you lose control of steering and braking. It can happen in rain or standing water. The higher your speed, the greater your chances of hydroplaning. Prevent hydroplaning by scanning ahead for large puddles and reducing your speed, especially during heavy rain. If hydroplaning happens, don’t brake — decelerate and drive straight.
Will my anti-lock braking system (ABS) help me stop quicker in poor weather?
While an anti-lock braking system (ABS) doesn’t allow you to drive faster or to stop sooner, it can help prevent wheels from locking up on wet and slippery surfaces. ABS also helps you maintain steering and avoid skidding while braking. In order for ABS to function properly, apply firm, hard, continuous pressure to the brake pedal until the vehicle stops. Don’t pump the brakes as this action turns the system on and off. It’s normal to
experience brake noise or shudder when ABS is in use.
What about electronic stability control (ESC)?
Electronic stability control (ESC) helps you keep control of your vehicle especially on slippery roads or in emergency situations, such as swerving to avoid an obstacle. But remember that ESC can’t override a vehicle’s physical limits. If a driver pushes the possibilities of the vehicle’s handling too far, ESC can’t prevent a crash. Like ABS, it’s a tool to help you maintain control.





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