34 - Friday, November 23, 1990 - North Shore News

AUTOMOTIVES ICBC premiums to go up in 1991

WHEN ICBC makes its annual announcement about changes to Autopian, most B.C. motorists pay closest attention to what has hap- pened to premiums.

The amount we pay for auto insurance is important, but so are the factors behind those premiums.

This week and next, we wiil Jook at the details behind the 199) premiums.

ICBC predicts it will need an additiona! 4.5 per cent in total premium dollars from B.C. motorists to pay for claims and improved Autoplan benefits in 1991.

The amount collected for Third Party Legal Liability Coverage and No-Fault Accident Benefits will rise by four per cent while sharp increases in windshield, theft and vandalism ciaims will push up Comprehensive premiums collected 15 per cent. Underin- sured Motorist Protection (UMP) will rise by $3.

The amounts paid by motorists will depend on their vehicle use category, which one of B.C.’s i4

Ken Hardie

INSURANCE CORPORATION

OF BRITISH COLUMBIA

AUTOTOPIC

territories they live in and their driving record. Premiums charged are adjusted in line with the claims experience in each territory and in each of the vehicle use categories.

Historicaily, people regularly driving to and from work have had a worse claims experience than those who rate their vehicles for pleasure use only. Thus it costs more to insure a vehicle for commuting purposes.

However, the worsening claims record for the pleasure usc-only class has served to narrow the gap between the two uses.

Likewise, motorists in the traf- fic-congested Lower Mainland will

continue to pay more for their auto insurance than those elsewhere in B.C. Rising claim tates in other areas, particularly Maple Ridge/Pitt Meadows and southern Vancouver Island, will result in higher dollar increases but still lower premiums overall compared to Lower Mainland rates. . How do premiums look for North Shore motorists? While your Autoplan broker is the best source for information on your vehicle premium, here is one ex- ample based on a 1908 Nissan Micra with $1 million third party liability coverage, collision with $300 deductible, comprehensive with $100 deductible, Underin- sured Motorist Protection and the

full 40 per cent Claim-Rated Scale

discount:

For pleasure use only, the 1991 premium for this vehicle will be $715, up from $662 this year. To and from work coverage wilt be $808 next year, up from $784, while business use in 1990 will cost $854 as compared to $826 this year.

Next week, a look at the factors behind next year’s rise in Autoplan premiums.

To serve our valued real estate customers better, we’ve added a direct line for advertising in the Homes section.

RICK ANDERSON

Reali Estate Advertising Manager

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