Mr. Doug H. works 2 days a week for a food courier services delivering orders in his own car when he was involved in an accident where he was found at-fault. At the time, his insurance was insured improperly as a work commute vehicle when it should have been insured for delivery purposes. The claim was denied by ICBC and Doug had to pay the entire claim which included repairs to his vehicle and repairs to the other vehicle involved.

What Doug should have done was contact his broker and ask if changes were needed for his insurance policy.

An unlicensed vehicle in this case was for sale. A potential purchaser offered to buy the vehicle and gave the owner $2,000 cash and initialled a receipt that the owner had written up. While the owner was on the phone with her broker getting instructions on filling out the transfer form, the buyer asked for the keys to the car so he could make sure it was running properly. He got in and drove it away. About six hours later the car was in a crash. The driver was charged with hit-and-run and impaired driving, and with driving without a driver’s licence or insurance. The vehicle was impounded. The Claim Centre treated this as an uninsured motorist claim. The vehicle owner provided the documentation to support her story of the sale of the vehicle. The Claims Coverage Committee agreed. The former owner no longer had a legal interest in the vehicle, and was not a party to this loss.

After finishing university Mr. I. M. Fuzzy moved back in with his parents until he finds a job. Over the 11 months since moving back to his parent’s home he has updated the address of all his identification except for his car insurance. The incorrect address meant that he did not receive a notice to renew his insurance from ICBC. The policy eventually expired and there was no coverage when he had claim. The vehicle owner in this case attributes his failure to renew his policy to the lack of a renewal notice. If such was sent, he believed it would have renewed it. At the time of the loss, the policy had been expired for over twelve weeks. The Claim Centre felt the vehicle had to be treated as uninsured. The owner of the vehicle, who immediately renewed her policy on becoming aware of the expiry, felt a grace period should be allowed due to the address error on the policy. ICBC declined the allowance of a grace period.