32 - Friday, July 3, 1992 - North

Snere News

Adjusters have no reason to play favorites

OUT OF al! the questions
people ask about ICBC
vehicle insurance, most
concern how the corpora-
tion sets premiums and set-
tles claims

Last’ week, we explored the
issue. of rising premiums fer
claim-free motorists. This week,
two more of the most asked ques-

tions.

[Isn't there a conflict of interest
when ICBC adjusters deal with
both drivers in an accident?

All B.C. motorists involvec in
traffic accidents have at least their
minimum “third party’’ coverage
from ICBC. Most purchase colli-
sion and comprehensive coverages
from the corporation as well.

As such, ICBC will deal. with
everyone involved in an accident

and adjusters will atrempt to
determine legal liability, that is.
whose coverage will pay the com-
Pensanon. As [CBC ends up p
ing the total cost of the claim, its
adjusters have no reason to favor
one motorist over the other.
Adjusters base findings of lia-
bility and settlement offers on
past claims and legal precedents.
Most claims, including those for
injuries, are settled without the
involvement of lawyers or the
courts, However, accident victims

Come in and see for
yourself why Saturn is

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not satisfied with the corpora-
tion's claim-settling process may
opt to commence legal actions.

[t's worth noting that if those

eking compensation after a traf-

c accident commence legal ac-
tion, they are technically doing so
against the person who caused the
accident. However, because that
person has ‘third party’’ coverage
from ICBC, the corporation
“stands in his or her place,’ and
deals with the compensation de-
mands.

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fully

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RODEO

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Wa SATURN

Don't adjusters usually settle hese
accidents 50/50 and take away
both discounts?

Our claims statistics show that
in 95% of all accidents, one
motorist is 100% liable. Only 3%
of claims are settled on a 50/50
basis and 2% at 75/25.

Jf vou have a question about
ICBC, need help with a claim or
want to check your Autoplan pol-
icy, call our Public Enquiries
Department at 661-2800. Those

AUTOTOPIC

outside the Lower Mainland may
call toll-free at t-800-663-3051.

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