revised
June 2001
SAFE DRIVING RECORD
I was involved in a car accident If I dont want to lose my safe
last week, am I going to lose my driving discount, should I just
safe driving discount? not report the accident?
As most people are aware, you can save Many people prefer not to risk their safe
up to 40% of your insurance premium by driving discount. However, it is important to
having a safe driving record. This is a understand that if you do report an accident
saving of 10% for each year without an 'at it will not affect your safe driving unless you
fault' claim on your insurance, up to a decide to make a claim. If you are 'at fault'
maximum of four years. However, if you in an accident and there are damages to
are 'at fault' in an accident ICBC will the other vehicle ICBC will give you the
determine your insurance premium on a choice of making a claim or paying for the
'claim rated scale'. This means that a claim repairs privately. If you choose to pay for
would move you 3-steps back on the scale. the repairs your premiums will not be
Therefore it would take you three claim free affected. It is very important to be aware
years to return to the premium level you that if damage is likely to be over $1000 or
were at before the claim. if injury has resulted you must report the
accident to the police.
If the car was not insured under
my name whose premiums will For More Information
be affected? ICBC Enquiries
Lower Mainland: 604-661-2800
It is not always the driver who suffers as a elsewhere in BC: 1-800-663-3051
result of an accident. It is the person who
is registered as the principal driver whose ICBC Claims Centre 604-986-6141
record will be affected if a claim is made.
However, it is possible to register another Autoplan Motorist Kit - ICBC
person as the principal driver if the car is
DIAL-A-LAW 604-687-4680
going to be driven for a considerable time
(pre-recorded messages)
by someone other than the owner. Ask
your Autoplan Agent for more information.