I rear ended someone with my car in March. My discount level dropped from -7 to -2 (35% to 10%).
This is a very rare and complex case, I rear ended him in the morning, and he rear ended someone else in the afternoon. How can ICBC determine which accident caused the injury? I'm assuming it's in their best interest to say my accident caused the injuries to him because then my premiums go up as well as his for his accident. I offered to pay out his vehicle repairs but because he is claiming an injury, that is no longer an option at this time. Is there anything I can do to dispute the injury claim? I hit him at 20-30km and we were both rolling at the time, it was on the Pattullo bridge on ramp during rush hour traffic in the morning so I'm sure you can imagine how slow we were moving.
I read somewhere that when the discount level drops, if you own multiple vehicles you can share the discount loss or transfer the points to another plate... Is this true? Can I transfer a loss of discount from my car to my bike, perhaps?
Or perhaps... transfer my insurance to a 50cc scooter with basic insurance only? I'm thinking... maybe I'll pick up another cheap low CC bike or scooter >110cc (lowest insurance bracket?) and only put basic insurance on it to absorb my discount loss? And keep my 35% (40% in November) on my car and my bike...
This year hasn't been a very lucky year for me in regards to vehicles and transportation... But is what I've thought about above for Q2/Q3 a legit plan?