WHEREAS in central and northern regions of the Province of British Columbia there is a high incidence of windshield damage due to the use of winter road abrasive; AND WHEREAS operating vehicles with obscured vision due to damaged windshields creates a threat to public safety; AND WHEREAS the present system of escalating deductibles and other practices and policies of ICBC creates a disincentive to timely windshield repair and replacement: THEREFORE BE IT RESOLVED that the Insurance Corporation of BC be requested to provide that the deductible for windshield repair be a claim of its own, which is not accumulated with any escalating deductible limits; AND BE IT FURTHER RESOLVED that the Insurance Corporation of BC be requested to reclassify windshield replacement as part of the comprehensive package, with a 100.00 deductible and that there be no direct charge for repair of minor chip damage.
Ministry of Public Safety and Solicitor General ICBCs goal is to keep insurance premiums as low and fair as possible for all British Columbians. Insurance rates and deductibles are set based on the risk that each policyholder represents. The best predictors of risk include the claims history of the principal operator of the vehicle, the territory where the vehicle is principally operated and the use of the vehicle. Whether the issue is windshield damage or car theft, customers premiums and deductibles are determined according to the risk they represent. It would not be equitable to expect high claims costs, presented by some policyholders, to be absorbed by all policyholders in that region through general rate increases for everyone in that region.