Question
Do I get a “free” accident?
Answer
A factor affecting your Autoplan premium is your claim record.
Each time you cause a motor vehicle crash and ICBC has to pay an at-fault Collision or Third Party Liability claim on your behalf your insurance cost will increase. The more crashes you cause the more you will pay in insurance premiums; you may even have to pay a surcharge in addition to your base insurance rate. If you are not at-fault for the crash, the claim won't increase your insurance premium.
Safe drivers enjoy premium discounts. Every year you drive without an at-fault claim improves your position on the claim-rated scale until you reach the maximum discount.
