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Originally posted by MLB i was paying 440$/month on insurance on leased car(no accidents or tickets) in toronto till april...i moved to vancouver, paying only 250$/month for same car which i shipped here.

Unfortunately you can't compare BC to Ontario....two different systems and there are so many costs that the Government can spread out in other areas that insurance companies can't spread out here.

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Originally posted by ChemEnhanced Unfortunately you can't compare BC to Ontario....two different systems and there are so many costs that the Government can spread out in other areas that insurance companies can't spread out here.

Yep, government insurance = lower premiums but higher costs (which get made up for by additional costs to license vehicles, higher fuel taxes, or higher taxes in general). But hey, the premiums are lower so all must be good, right?

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by Stingray My insurance company wanted to write off my dad's Tracker after I did $7200 worth of damage to it.

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Originally posted by Moral Hazard Sorry, I'm actually a good risk (clearly the underwriters at Pilot don't know me very well).

...and of course they wouldn't know you that well...aren't you just an adjuster?

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Originally posted by sticky_shoes ...and of course they wouldn't know you that well...aren't you just an adjuster?

I happen to thing that adjusters should be charged the highest rate of insurance due to our tendency to drive according to the Fault Determination Rules. If I'm not going to be at fault I take no steps to avoid collision.... that can't be the best course of action!

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

isnt it no fault insurance? and do you get to adjust your own claims? cause that would be awesome.....

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Originally posted by pkcRAISTLIN I have 3 hobbies: gaming, DJing & correcting maladjusted fools on the internet.

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Originally posted by pkcRAISTLIN Yeah, I’d like to know what horrible, scarring incident in your childhood turned you into such an ignorant, intellectual-hating philistine?

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Originally posted by colonelcrisp isnt it no fault insurance? and do you get to adjust your own claims? cause that would be awesome.....

No fault insurance isn't quite what the name would suggest. What no-fault insurance means is that each party involved claims their damages through their own insurer regardless of which party is at fault for the collision. Fault or negligence as it should be called does still exist. If I rear end you then I would be considered negligent as I have failed in my duty to leave sufficient space between our vehicles to prevent a collision should your speed reduce. You would claim your damages through your automobile insurer under a coverage called Direct Compensation (which is part of your liability coverage. I would claim my damages through Part 7 Collision coverage (if I have it). Essentially no fault means you cannot sue me for damage to your vehicle.

Legal action is only permissable in Ontario for income loss resultant from injuries that exceeds the coverage afforded to you under Accident benefits insurance (80% of your net weekly income up to a maximum of $400/wk for 104 weeks) or threshold injuries. Threshold injuries are injuries that meet the following verbal thresholds:
1) death
2) permenent and serious disfigurement
3) permenent and serious impairment of an important physical, mental or psychological function

I do not get to adjust my own claims, however, my employer has a service agreement with my insurer which results in a great deal of their claims being given to us for adjustment. I have had 5 claims since I started driving, all but one have been handled by co-workers of mine. It is awesome!

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Originally posted by RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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Originally posted by sticky_shoes Moral...which one is that? Crawford?

Moral....I'm glad you are answering these questions.....I am tired of answering the same questions over and over again.

you are right though....adjusters are probably the greatest risk...come on...moral hazard....it is an insurance term.

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Originally posted by ChemEnhanced Moral....I'm glad you are answering these questions.....I am tired of answering the same questions over and over again. you are right though....adjusters are probably the greatest risk...come on...moral hazard....it is an insurance term.

sounds better than "insurable interest" though!!

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Originally posted by ChemEnhanced

Whoa...it was just a guess...relax! ...haha...

Which adjusting firm does he work for though?

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