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.

Just Posted

Intruder breaks into Langford couple’s home

The intruder was high and thought the house was his

King and Jackson make powerful duo in Shamrocks win

‘Rocks Nation was out in full force, standing room only

Contemporary clay works for sale in Metchosin

The event is on until tomorrow at 5 p.m.

Town of View Royal wants to regulate Helmcken Park and Ride

The Town had to put up residential only parking because of overflow

Saanich Inlet bridge billion-dollar price tag too expensive says ministry

Malahat alternatives not practical from engineering, budget standpoint

Trans Mountain pipeline: How we got here

A look at the Kinder Morgan expansion, decades in the making

Passersby help rescue occupants of home as fire breaks out in Courtenay

Coffee run turns into fire rescue for pair of men

Giant beer tanks arrive in new B.C. home city

Molson Coors tanks finish river journey and move to overland trip in Chilliwack

VIDEO: Pipeline supporters rally across B.C.

Five simultaneous events organized by month-old Suits and Boots lobby group

VIDEO: B.C. woman praises burn fund after boat explosion in 1978

White Rock woman was 16 years old when she was left with second- and third-degree burns

B.C.’s Ryan Craig, Vegas Golden Knights chase history

Local product behind bench for expansion team’s incredible championship run

CP rail workers give strike notice

Employees could walk out as early as Tuesday at 7 p.m. PT

Council scraps other ideas; JSB steel will only be used for art

City staff wanted an open bid to get rid of steel that’s coated in toxic lead paint

RCMP investigating after gunshots fired in Courtenay

Comox Valley RCMP officers are investigating after gunshots rang out in Courtenay… Continue reading

Most Read