File Photo. Personal injury claims

Skyrocketing injury claims raise ICBC rates

Province-wide crash numbers remain stable as the number of injury claims rises

There were 477 car crashes in Langford in 2013, which is the most recent set of data available for the Insurance Corporation of British Columbia’s (ICBC)  crash map statistics. In Colwood there were 189 for the same year, 149 in View Royal and 20 each in Metchosin and the Highlands. Those figures exclude crashes in parking lots and incidents involving parked vehicles. They also do not include crashes on the Malahat outside of the Langford border.

Of those crashes, there were 269 in Langford, 115 in Colwood, 81 in View Royal and 15 each in Metchosin and the Highlands that were property damage only and did not result in any injury claims.

Since data is not available for this year or 2014 it is hard to compare the West Shore with the rest of the province but ICBC is reporting that province-wide they are seeing the number of crashes remain constant. However, they are seeing the number of injury claims skyrocket in recent months.

Those injury claims are “a lot more costly than repairing a vehicle,” said Adam Grossman, a senior media relations advisor for ICBC.

Last week ICBC proposed a potential 6.7 per cent rate hike for basic insurance. This announcement was met with an onslaught of objections from members of the public and some government officials. Transportation Minister Todd Stone even said the maximum 6.7 per cent increase was too much.

This year’s increase cannot be more than 1.5 per cent of the previous year’s increase and has to be between 3.7 and 6.7 per cent because of a rate smoothing policy introduced by the province in 2013.

“The actual costs of injury claims have been going up over the years.” But Grossman said until recently, the number of injuries being reported had remained relatively flat.

That rapid escalation in the number of injury claims being reported has been attributed to causing some of the demand for the maximum increase. The cost of ICBC’s bodily injury claims, which include pain and suffering, future care and loss of wages, are expected to hit $2.3 billion this year. That’s an increase of 64 per cent since 2008. This year alone, they are up 10 per cent compared to last.

“We’re seeing more and more.” Grossman said they are especially seeing “more claims for relatively minor soft tissue injuries.”

While he admitted that some soft tissue injuries can result in prolonged pain and can be difficult to treat, he said it wasn’t a rise in the severity of soft tissue injuries but simply a rise in the number being reported.

Also suspected to be a cause of the growing number of claims reported is “an increase in potentially exaggerated or fraudulent claims,” Grossman said. On average he said in Canada studies suggest that 10 to 20 per cent of all claims have some element of fraud. Which is why he said ICBC is investing in and expanding their fraud detection program.

“That’s something we’re really looking at,” he said.

ICBC also attributes factors such as higher legal and medical costs, more represented claims and more complex/catastrophic claims contributing to the jump.

The corporation has until Oct. 30 to file a formal rate application with the B.C. Utilities Commission. If regulators approve the request it will be the fourth consecutive year of basic insurance premium increases, which saw increases of 11.2 per cent in 2012 and 5.2 per cent in 2013 and 2014.

ICBC president and CEO Mark Blucher has pledged to work with the government to find ways to reduce the initial calculations that suggested the maximum 6.7 per cent increase would be required.

Watch speed limits

In B.C., according to ICBC, 78 children between the ages of five to 18 are injured in crashes in school or playground zones every year. That number includes the on average 12 children that are injured on Vancouver Island every year.

While the statistic don’t break down into municipality, it still is an alarming number of children that are hurt every year.

With school now back in session, the B.C. government, ICBC, and police are reminding drivers to watch for children and expect more traffic on the roads. They are also reminding drivers that school zones are now in effect, unless otherwise posted, with a 30 km/h speed limit from 8 a.m. to 5 p.m. Playground zones are in effect every day of the year from dawn till dusk.

Tips and reminders for drivers:

-When dropping children off in school zones, allow them to exit the car from the side closest to the sidewalk.

-Never allow a child to cross mid-block.

-If a vehicle in front of or beside you is stopped, they may be yielding to a pedestrian, prepare to stop and proceed with caution.

-Vehicles approaching from both directions must stop for school buses when their lights are flashing.

-Before entering your vehicle make sure no small children are hidden from your view and always look for pedestrians when backing up.

katie@goldstreamgazette.com

Just Posted

B.C. budget will have ‘very little impact’ on poverty, advocates say

New Child Opportunity Benefit and income assistance increases are too small for a large effect

Students donate 5,265 socks to Our Place

The middle school donation drive provides socks to struggling people

Garry oaks come down on Finnerty Road

Saanich road to be widened for two-way bike lanes, sidewalks

Black Press readers share photos of their favourite critters on #LoveYourPetDay

Greater Victoria is raining cats and dogs…and snails and goats

Greater Victoria Wanted List for the week of Feb. 19

Greater Victoria Crime Stoppers is seeking the public’s help in locating the… Continue reading

70% of Canadians agree with mandatory vaccines for children: poll

The debate for pro and anti vaccinations has heated up after a measles outbreak in Vancouver

Vancouver Island petition to decriminalize all drugs continues to collect signatures

A Courtenay couple is collecting signatures for their petition to decriminalize drugs in Canada

UPDATE: Woman, off-duty cop in critical condition after stabbing outside B.C. elementary school

The officer was interceding in an alleged assault when he and the woman were stabbed

‘A little baloney’ in PM’s claim about solicitor-client privilege on SNC-Lavalin

The Conservatives and NDP want Trudeau to waive that privilege so Wilson-Raybould can offer her side of the story

Proposed edible pot rules are wasteful, would leave products tasteless: critics

When Canada legalized weed last fall, it only allowed fresh or dried bud, oil, plants and seeds

Samsung folding phone is different – but also almost $2,000

But most analysts see a limited market for foldable-screen phones

Most Read