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Difference between revisions of "The Points System and ICBC"
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The Points System and ICBC (view source)
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{{REVIEWEDPLS | reviewer = Janet Mackinnon, ICBC |date= May 2018}} {{Dial-A-Law TOC|expanded = cars}} | {{REVIEWEDPLS | reviewer = Janet Mackinnon, ICBC |date= May 2018}} {{Dial-A-Law TOC|expanded = cars}} | ||
If you get a ticket for a driving offence, you’ll typically get '''points''' on your driver's record. The more points you rack up, the more you’ll pay in insurance premiums. | If you get a ticket for a driving offence, you’ll typically get '''points''' on your driver's record. The more points you rack up, the more you’ll pay in insurance premiums. | ||
== | ==What you should know== | ||
===Driving violations lead to driver penalty points=== | ===Driving violations lead to driver penalty points=== | ||
When you receive a ticket for speeding or some other driving offence under the '' | When you receive a ticket for speeding or some other driving offence under the BC ''Motor Vehicle Act'', you typically get points on your driver’s record. You also get points for certain ''Criminal Code'' offences like impaired driving, criminal negligence, and failure to remain at the scene of an accident. '''Driver penalty points''' are like black marks on your driving record. | ||
===How many points you get=== | ===How many points you get=== | ||
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===If you dispute a driving violation=== | ===If you dispute a driving violation=== | ||
Points are added to your record if you plead guilty to a driving offence or if a court convicts you of the offence. If you pay a traffic ticket, you’re admitting you are guilty. | Points are added to your record if you plead guilty to a driving offence or if a court convicts you of the offence. If you pay a traffic ticket, you’re admitting you are guilty. | ||
If you don’t agree with a ticket, you must fight (or dispute) it. You have 30 days from the date of the ticket to dispute it. If you don’t do so, the offence and points are automatically added to your driving record. See our information on [[Traffic Tickets (No. 194)|traffic tickets (no. 194)]] for more information on how to fight a traffic ticket. | If you don’t agree with a ticket, you must fight (or dispute) it. You have 30 days from the date of the ticket to dispute it. If you don’t do so, the offence and points are automatically added to your driving record. See our information on [[Traffic Tickets (No. 194)|traffic tickets (no. 194)]] for more information on how to fight a traffic ticket. | ||
===Driver penalty points can increase your insurance premiums=== | ===Driver penalty points can increase your insurance premiums=== | ||
Everyone who owns a motor vehicle in BC must have basic vehicle insurance from the Insurance Corporation of British Columbia (ICBC). Each year, ICBC looks at your record of driver penalty points. If you had four or more points in the previous year, ICBC bills you a '''driver penalty point premium'''. This is an additional premium beyond the premium you pay to insure any vehicle you own. You are billed even if you don’t own or insure a vehicle. | Everyone who owns a motor vehicle in BC [https://www.icbc.com/insurance/Pages/Default.aspx must have basic vehicle insurance from the Insurance Corporation of British Columbia] (ICBC). Each year, ICBC looks at your record of driver penalty points. If you had four or more points in the previous year, ICBC bills you a '''driver penalty point premium'''. This is an additional premium beyond the premium you pay to insure any vehicle you own. You are billed even if you don’t own or insure a vehicle. | ||
===The amount of the premium=== | ===The amount of the premium=== | ||
The driver penalty point premium depends on the total number of points you get in a 12-month period, called the assessment period. ICBC reviews your driver’s record for this period, which starts about 17 months before your birthday. | The driver penalty point premium depends on the total number of points you get in a 12-month period, called the assessment period. ICBC reviews your driver’s record for this period, which starts about 17 months before your birthday. | ||
If you have four points, the premium is $ | If you have four points, the premium is $252. It’s $331 for five points, $432 for six points, and so on. If you have 50 points or more, you get the maximum driver penalty point premium of $34,560. [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Penalty-Points.aspx ICBC’s website lists all the premiums]. | ||
===How you are billed for the premium=== | ===How you are billed for the premium=== | ||
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===Another driver premium program applies to more serious driving offences=== | ===Another driver premium program applies to more serious driving offences=== | ||
ICBC has a second program, '''driver risk premiums''', that applies to more serious driving offences. Under this program, ICBC reviews your driving record for offences for the previous three years. You will have to pay a driver risk premium if, during the previous three years, you have: | ICBC has a second program, '''driver risk premiums''', that applies to more serious driving offences. Under this program, ICBC reviews your driving record for offences for the previous three years. You will have to pay a driver risk premium if, during the previous three years, you have: | ||
*one or more driving-related ''Criminal Code'' convictions (such as impaired driving) | |||
*one or more ''Motor Vehicle Act'' convictions worth 10 points or more (such as driving while suspended) | * one or more driving-related ''Criminal Code'' convictions (such as impaired driving) | ||
*one or more excessive speeding convictions | * one or more ''Motor Vehicle Act'' convictions worth 10 points or more (such as driving while suspended) | ||
*two or more roadside suspensions or prohibitions | * one or more excessive speeding convictions | ||
* two or more roadside suspensions or prohibitions | |||
===The amount of the premium=== | ===The amount of the premium=== | ||
The amount of the driver risk premium depends on the type and number of convictions you get. For example, the premium for one ''Criminal Code'' conviction (such as for impaired driving) is $1, | The amount of the driver risk premium depends on the type and number of convictions you get. For example, the premium for one ''Criminal Code'' conviction (such as for impaired driving) is $1,303. The premium for two ''Criminal Code'' convictions is $5,414. | ||
===How you are billed for the premium=== | ===How you are billed for the premium=== | ||
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===What if I’m not allowed to drive? Do I have to pay the driver premium?=== | ===What if I’m not allowed to drive? Do I have to pay the driver premium?=== | ||
ICBC will reduce a driver premium bill if you’ve been prohibited or legally banned from driving for 60 days or more in the billing period. It usually does this automatically, but you may have to ask it to do so and to prove your situation. | ICBC will reduce a driver premium bill if you’ve been prohibited or legally banned from driving for 60 days or more in the billing period. It usually does this automatically, but you may have to ask it to do so and to prove your situation. | ||
Also, you can apply to ICBC for a refund or reduction if, for at least 30 days in a row during the billing period, any of the following apply: | Also, you can apply to ICBC for a refund or reduction if, for at least 30 days in a row during the billing period, any of the following apply: | ||
*you lived in another province and legally held a driver’s licence there | |||
*you were not in Canada or the US | * you lived in another province and legally held a driver’s licence there | ||
*you were in jail | * you were not in Canada or the US | ||
*you had medical reasons for not driving | * you were in jail | ||
* you had medical reasons for not driving | |||
Again, you may have to prove your case to ICBC. | Again, you may have to prove your case to ICBC. | ||
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===With more information=== | ===With more information=== | ||
'''ICBC''' has information on the [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Penalty-Points.aspx driver penalty point premium] and the [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Risk-Premium.aspx driver risk premium]. | '''ICBC''' has information on the [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Penalty-Points.aspx driver penalty point premium] and the [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Risk-Premium.aspx driver risk premium]. | ||
: | :Call 1-800-663-3051 (toll-free) | ||
:[https://www.icbc.com/ Visit website] | |||
{{Dial-A-Law_Navbox|type=consumer}} | {{Dial-A-Law_Navbox|type=consumer}} | ||
{{Dial-A-Law Copyright}} | {{Dial-A-Law Copyright}} | ||
