ICBC rates sound pretty damned reasonable until you try claiming something. IOW, we used to be covered for a lot more than we are now. The good thing is that now we can opt for anything other than the basics from other insurance companies whereas when the Naive Dense Pussies brought ICBC in, they were the only game in town.
Ever get a ding in a parking lot? Don't ewxpect ICBC to cover it. Most parking lot dings aren't really a big expense, but ICBC only covers them after $300. So if your ding is $299, you fork over the dough plus you are out the use of your vehicle as it gets repaired plus you feel both as if you have been dumped on by the other driver and by ICBC. ICBC does NOT fight for you in case of a two party crash. It fights for itself. The decision of one adjuster concerning a crash is not necessarily thwe same decision about the same crash as another adjuster may have. IOW, their policies about crashes seem to be arbitrary and sometimes even ludicrous. I know of one instance when an adjuster basically told someone if they hadn't been there, there wouldn't have been a crash.
But they have us over a couple barrels; insurance is mandatory, and in case of liability, they are handy for forking over big wads of dough in case you do something wrong.
I hate the leeches, especially the monopolised ones..