Claim-Rated Scale | Protecting your discount | Can newcomers to B.C. get a discount?
The only way to protect your discount on the Claim-Rated Scale when you are responsible for a crash is to repay the claim.
If you are deemed at fault in a claim that doesn't involve a lot of money, you may be better off to repay the claim so that it doesn't affect your rating on the CRS or your RoadStar status. Your adjuster can show you how much difference an at-fault claim will make to your premiums. Then you can decide whether you are better off to repay the claim or to pay increased premiums.
CAUTION: ICBC advises that you do NOT attempt to settle claims independently with another motorist. Doing so may void your insurance coverage.
NOTE: You must repay your claim before it affects your insurance renewal premium. For more information on this option, call Customer Contact at 604-661-2800 or toll-free at 1-800-663-3051.
Each year of claim-free driving after your at-fault claim will help you move one level back towards a discount position. If you are at a surcharge position for 3 years in a row without an at-fault claim, you will automatically return to the base rate.
If you are in a discount position after an at-fault claim, 3 consecutive years of claim-free driving will restore you to the level you had reached on the Claim-Rated Scale before your claim. If you have more than one claim, you will be restored to the level you were at before your most recent claim.
