Motorists Should Expect Large ICBC Rate Increases, Despite What ICBC Says
Wesley Mussio grew up in Trail, British Columbia and graduated from J.L. Crowe Senior Secondary in 1982. During the high school years, Wes Mussio played at the highest level in soccer and participated in the Trail Smoke Eater program for hockey. He also aspired in track and field particularly at the 400 meter distance. After a one-year session at Selkirk College in Castlegar, Wesley Mussio moved to the University of British Columbia (“UBC”) into the Faculty of Forestry. He ended up graduating in 1986 with a BSF (Bachelor of Science in Forestry) but before then, Wes Mussio was heavily involved in student politics being the House President at Place Vanier-Robson House for a year and being the President of Gage Towers for two years. Rather than immediately going into law school, Wesley Mussio decided to pursue a Registered Professional Forester (“RPF”) designation and took a year off to work for the Ministry of Forests in Williams Lake and then West Fraser Mills in Quesnel. He then entered the Faculty of Law at UBC and eventually graduated in 1990. Wes Mussio then took another six months out of law to finish off the necessary two-year training for becoming an RPF. After a backpacking venture to Europe, he then started articles at Ferguson Gifford, and complete the articles in November 1991 becoming a lawyer. While at UBC, Wes Mussio was heavily involved in athletic programs. He played three years of Super League Hockey in the top division at UBC while also playing Super League Soccer in the top division. While in the interior working in forestry, Wes Mussio played soccer in the interior men’s league and during the winter months, played commercial league in the Cariboo for hockey. Since becoming a lawyer in 1991, Wes Mussio began working in the area of ICBC injury claims, principally defending claims on behalf of ICBC. He worked as an ICBC defence lawyer for a little over a decade and then decided to move to the plaintiff only side to help injured parties. His first stint at plaintiff only work was at Murphy Battista but in 2011, Wesley Mussio decided to join forces with Eric Goodman and open Mussio Law Group and then eventually Mussio Goodman. The new law firm has quickly developed into one of the leaders in personal injury litigation as well as estate litigation. In 1993, Wesley Mussio and Russell Mussio opened up Backroad Mapbooks and the company has now developed into one and largest national mapping companies in Canada. As Wes Mussio has a passion for the outdoors, this company is a perfect fit as he gets to travel the outdoors in guise of research projects. Wesley Mussio married Penny Stainton in 1993 and they have two lovely children, Madison Mussio and Devon Mussio. Madison lives in London attending Birkbeck University for a Bachelors of Law degree. Previously, she obtained a Bachelor of Business degree in hospitality and tourism from Les Roches in Switzerland graduating with distinction and top 20% of her class. Devon Mussio graduated from St. Georges in 2017 with a 4.0/4.0 grade point average. He is currently pursuing his professional hockey/ NCAA Division 1 dreams with the Nanaimo Clippers of the BCHL.
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Many Motorists Should Expect Large ICBC Rate Increases, Despite What ICBC Says

Many Motorists Should Expect Large ICBC Rate Increases, Despite What ICBC Says

Failure to register every possible driver on the insurance could result in a breach of the contract of insurance

 

The way ICBC sells insurance is dramatically changing as of September 1, 2019. If you believe what the NDP government and ICBC has to say, they are making these changes in order to further penalize bad drivers and to make insurance cheaper for good drivers. In reality, the sell job from the NDP government and ICBC is far from the truth.

For many of the average households in British Columbia, you can expect a large increase in insurance premiums come September 1, 2019 if you are not the sole driver of your vehicle and other drivers with a lower safe driving discount are expected to operate your vehicle from time to time.

 

Come September 1, 2019, the insurance rates will be determined by the collective safe driving discount of all drivers that may drive the vehicle, not just the primary driver. The same applies regarding employees who periodically drive a company vehicle. This change will no doubt result in much higher insurance premiums in many cases as the insurance rate will no longer be based solely on the principle operator but rather, based in part on the poorer driving record of some household members or children without built-up safe driving discount.

 

Put another way, parents are suddenly going to have to pay a lot more insurance premiums when their teenage child first starts to drive the family vehicle, even if the teenager only drives the family vehicle rarely. Since the new driver has not built-up safe driving discount, and up to 25% of their safe driving discount is factored into the insurance premiums, it’s pretty easy to see that the insurance rates on many family vehicles will greatly increase. Also, if you have a driver in your household that happens to have had a few accidents in the past, the rates on every single family vehicle are likely to go up if that driver has a chance of operating the vehicle in the course of the insurance policy.

 

The new system will also require the owner of the motor vehicle to predict who may be driving the vehicle over the length of the insurance policy. The owner will have to come up with a list of potential drivers, their licence numbers and dates of birth before heading to the insurance broker. Failure to register every possible driver on the insurance could result in a breach of the contract of insurance and no insurance coverage in the event that the unregistered driver gets into an at-fault accident.

 

A breach would cause some devastating consequences including ICBC not covering the loss and also, ICBC going after you personally for money they paid out under a claim.

 

In summary, the new system is almost certain to cost families and employers a lot more on ICBC insurance. There will also be more opportunity for ICBC to deny claims to avoid pay-outs by breaching individuals of their contract of insurance. This is another increased cost of living on the average family in the Province of British Columbia.

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