“The adjuster s says. I'm at
fault .in ‘the. accident, but I.
disagree.” yt

“The adjuster has offered
me $400 less than I think. amy .
car ‘was worth: PP

ey “was I denied the
“Sate Driving 1 Discount? rm”
‘entitled to it acre

These ; are typical o of a great

many. telephone calls to the —

Insurance ..Corporation’ of
. British ‘Columbia’ from frust--
rated”: B.C.- motorists. who
_ May. ‘not “be aware’ of the
many avenues. available to
assist. them in ‘finding satis-
factory solutions to problems
with claims and discounts.

"Senior Claims Manager’ at
the... Corporation, Sandy.
Pearson’. -Says that most
disagreements are resolved
to : the. Satisfaction of - the
motorist.

Appeal Procedures

There are several appeal
procedures for consideration.
of disputes -regarding claim
settlements’ and. denial of
‘Safe Driving Vehicle  Dis-
counts,’’ Pearson said. These
include discussion -with the

tre Supéryisor and.
Centre ‘Manager,

roblems - ‘are .-
“the . Claim , ,

oy a .
Discount Review Commiise: oo,

and’ a Claims _ “Coverage ©
Committee."* St,

Claims Review Committee

Pearson recalled the case
of a woman’ who had an
accident one rainy night at-an
intersection close to her
home in Burnaby.

‘The adjuster thought she
was at fault, but she
disagreed and arranged to
meet with the Supervisor at
the Centre. He was able to
reconstruct the scene and
show her that her actions
really were responsible for
the accident.

*‘However, if she had not
accepted his decision,"’

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Pear. on:
have.’

‘Composed of the Senior

“Claims. .Manager,. :
agers of the: Corporation, the
_ €laims ‘Review. Committee
‘examines all. aspects of a

, case.

Since there ‘are! “usually at
least two drivers involved i in

an accident, and-‘both de- .

ductibles and discounts’ are’
affected, all evidence is very
carefully. considered before a
' decision is'made.

Arbitration

What. happens when an

insured thinks. his car is

_worth more than the settle-
ment offer?

“If a motorist feels. the
Claim Centre’s offer ina
collision settlement is insuf-

_ ficient, or if there is a dispute |

over_repairs needed, he may
decide to go to arbitration,””
explained Péarson.

‘In this procedure, the
motorist appoints. an in-
dependent appraiser, or
other knowledgeable person
to act ‘on his behalf, and the
. Corporation. “authorizes an.

appraiser to represent. its..

interest. ‘Each party pays: the
“cost ‘of the appraiser: whom,
they've” ‘

ite

Mice |:
Presidents and ‘senior man-

-theiE™=
_apply for the’ Discount. This
is what happened in the case ©
: of the man n front NVictoria."” _

‘but Cif hey’ cannot *
hey mutually: appoint

ie. an umpire whose decision is
“binding, and ‘in-this event,
each party pays half the cost...

If a. mutually. . acceptable ne
be. agreed: -
upon,. either party may: apply -

unipire “cannot

toa County: ‘Court. judge ‘to:

_ appoint’ an umpire whose

decision i is” binding.

; ‘Discount Review Committee -

Pearson recalled - another . ©
Situation. involving a -young

marin Victoria, who received
a billing notice from the

Insurance Corporation show-

ing that he-had underpaid his

1978 premium by $156.00.

He disagreed, but invest-

igation revealed that he had -

claimed a. Safe Driving
Vehicle Discount even though
a claim against his vehicle
insurance had been paid.

“There are Safe Driving

. Vehicle Discounts. -for one,

two. and. three years of

claim-free driving,’’ said
Pearson, and at renewal
time, if a vehicle owner

believes he is entitled to the
dicount, he claims it.

*‘Many people however,

who have had claims paid on
“policies, iticottectly

id. CONTINUED ON PAGE’ 36. Z

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If the discount is denied
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The Committee i is made up
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