Operation Red Nose: Keeping You Safe for the Holidays!

Operation Red Nose launches its 35th campaign today as the organization gets ready to deploy its famous safe ride service in 102 communities across Canada, including 11 British Columbia communities. The service will be available to the population from November 30th to December 31st, 2018. Supported by its provincial sponsor ICBC, the organization is back to provide a safe ride home to those who don’t feel fit to drive. Volunteer Application Forms are now available at OperationRedNose.com.

This year’s slogan “Keeping you safe for the Holidays!” reaffirms Operation Red Nose’s purpose, which is to make roads safer for everyone during the holiday season. The organization invites both first-time and longtime volunteers to take part in this important collective effort which helps provide more than 2,000 safe rides each year in the province, in addition to helping raise funds for local youth and amateur sport programs. In addition, Operation Red Nose also launches a brand new public service announcement which will be broadcast on both radio and TV stations, in the form of a humorous animated video.


Operation Red Nose: Still relevant after 35 years

Operation Red Nose’s safe ride service has never ceased to gain in popularity and in maturity since its beginning in 1984, when 260 volunteers provided rides for 463 motorists. 35 years later, the organization mobilizes 50,000 volunteers annually who drive an average of 70,000 Canadian motorists home, in 102 communities across seven provinces.

“For our 35th campaign, we’re taking the time to reflect on everything we’ve accomplished since 1984. As the current context demonstrates, our program is still relevant today. Therefore, Canada’s largest safe ride home service will be back during the holiday season, beginning on November 30th,” says Mr. Jean-Marie De Koninck, Founding President of Operation Red Nose.

ICBC: a Longtime Operation Red Nose Partner in BC

“We’ve been a proud partner of Operation Red Nose in B.C. for more than 20 years. Our roads are safer for everyone because of these types of community programs and the dedicated volunteers,” said Aileen Shibata, ICBC road safety program manager. “We want everyone to enjoy the holiday season responsibly. Please make sure your celebrations include planning ahead for a safe ride home.”

ICBC supports Operation Red Nose by providing auto insurance, creating promotional materials for the campaign, and encouraging employees to volunteer for the program in their communities.

An enhanced experience for all!

Clients and volunteers can now access the new Operation Red Nose web site interface available at OperationRedNose.com, including updates which will enable one to find information quicker. It’s now easier than ever to find your local Operation Red Nose organization and get a safe ride home. Smartphone users can also download the Red Nose app. It’s available once again in both official languages, and allows you to get the phone number and times of operation of the closest organization, in addition to providing an alarm feature which you can program ahead of time for your safe ride home.

About Operation Red Nose

Operation Red Nose is a non-profit organization with a mission to encourage responsible behaviour with regard to impaired driving in a non-judgmental manner, by enabling communities to provide a free and confidential chauffeur service to their members. The money it raises is redistributed to local organizations dedicated to youth and amateur sports, and invested in responsible consumption and road safety awareness programs.


Operation Red Nose in B.C.: Chris Wilson, 604-341-0241

Operation Red Nose National: David Latouche

Automotive & Insurance Industries Consider Hot Issues Faced By The Autonomous Vehicle Sector

The Status of Autonomous Vehicle Technology

It is clear that autonomous vehicle availability is on the horizon. There was discussion at the Summit that with the adoption of autonomous vehicles, society’s views and values regarding the use and ownership of vehicles, and of transportation generally, will change.

Presentations from automobile manufacturers indicate that, from a technological standpoint, autonomous vehicles (Level 4 on the SAE International Levels of Driving Automation) could be ready for use by end consumers within the next five years, with one manufacturer stating that they hope to have a Level 4 autonomous vehicle available for purchase by 2021. Testing of Level 4 autonomous vehicles is underway in a number of jurisdictions in the United States, Europe and Canada. The State of California has recently passed legislation allowing for the testing of Level 5 fully autonomous vehicles, provided that there is a direct communication link with a remote operator, among other conditions.

More specifically, it was suggested that manufacturers may face a potential repositioning from their traditional role as manufacturers to “mobility providers” given the expected high cost of early generation autonomous vehicles, and shifting demographics which are becoming more urban and increasingly favouring ride-sharing over personal vehicle ownership. Many automobile manufacturers already operate in the ride sharing space, and autonomous vehicles represent an opportunity for further growth in these areas.

Developing a Suitable Regulatory Regime for Autonomous Vehicles

In light of the pending availability of autonomous vehicles, the current regulatory and insurance regime across jurisdictions in Canada, which is focused on single-owner, single-use (i.e. personal or commercial) insurance, with insurance rates based heavily on a driver’s personal history, and liability focused on the driver’s conduct, may also face a disruptive shift.

At the Summit, the “one-policy” approach was discussed as a potential option for insuring autonomous vehicles in Canada. In the United Kingdom, the recently-enacted Automated and Electric Vehicles Actlegislated the “one-policy” approach for autonomous vehicles in that jurisdiction. Under this approach, only one policy of insurance would respond to an accident regardless of whether a vehicle is in autonomous mode or being operated by a driver. The insurer would be liable for damages to the injured party, with the right to subrogate against any other party, including the autonomous vehicle manufacturer (See: our July issue for a review of this recent UK legislation).

The “one-policy” approach was endorsed by speakers at the Summit as a means of ensuring that injured parties are compensated in a timely manner without having to resort to commencing costly and complex product liability litigation against autonomous vehicle manufacturers. Whether the one-policy approach will remain suitable if the predicted trends in vehicle ownership and usership come to pass is unclear, though for the interim, it appears to provide a viable insurance option for the initial roll-out of autonomous vehicles.

With that, if the one-policy approach were adopted in Canada, there still remain a number of issues, including whether conventional insurers or manufacturers would act as insurers for autonomous vehicles. Although conventional insurers may appear better suited to provide “one-policy” insurance as they are already subject to government regulation and oversight, and are experienced in handling, adjusting and settling claims, there are issues with respect to data and information sharing and whether autonomous vehicle manufacturers should be involved in claims handling and the settlement of claims.

Conventional insurers would also need to contend with the issue of rate setting, which will be challenging given that autonomous vehicles may be put to multiple uses and subject to ride or ownership sharing, there will be little to no data upon which to assess the risk of a collision involving an autonomous vehicle, and that the cost of repairing autonomous vehicles remains largely unknown.

Overall, the Summit highlighted both the opportunities and challenges posed by the introduction of autonomous vehicles on Canadian roads. As autonomous vehicles become available in the coming years, to ensure their successful deployment, panelists at the Summit made it clear that regulators, manufacturers, insurers, legal experts and other stakeholders will all need to work together to develop a practical, straightforward, and fair regulatory regime.

About BLG

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

Source: Mondaq

Penalty Points

“I’ll pay the fine, I just don’t want the points.” This is not an uncommon desire expressed by drivers prior to a traffic court hearing when asked how they want to proceed. If the violation ticket was issued with the accused identified as the driver, penalty points follow the conviction as night follows day. There is no escaping them.

Penalty points are meant to express the relative risk of the traffic violation and are listed in Division 28 of the Motor Vehicle Act Regulations.

ICBC and RoadSafetyBC use point penalties to take action against drivers convicted for not following the traffic rules. ICBC applies Driver Penalty Point Premiums and RoadSafety BC prohibits drivers based on the Driver Improvement Program.

ICBC looks at your driving record in 12 month periods and assigns penalty points according to Division 28 for each hazardous moving violation conviction reported there. If this adds up to more than 3 points, you are assessed a premium based on an increasing scale. The premium is billed on your birthday and payment is due within 30 days.

Non payment of the premium will result in interest charges and refusal of driver and vehicle licence transactions.

You can have your Driver Penalty Point Premium reduced or eliminated by surrendering your driver’s licence.

Being prohibited from driving for 60 days or more within the one year billing period may also reduce the premium. The driver must contact ICBC at the end of the prohibition, apply for licence reinstatement and pay outstanding debts.

RoadSafetyBC uses penalty points as one trigger for driving prohibitions.

If you are a new driver still in the Graduated Licensing Programaccumulating 2 to 6 points (essentially any hazardous moving violation ticket conviction) will mean a prohibition. Being convicted of another hazardous moving violation within a 2 year period following a prohibition will result in the imposition of a more lengthly one.

Experienced drivers face prohibition after accumulating 15 to 19 penalty points within a two year period.

Application of the Driver Improvement Program may vary depending on the driver and the offence convictions. What is described above is not a complete picture of actions taken under the program.

Like the Motor Vehicle Act itself, Division 28 is in need of an overhaul to bring it up to date.

Currently, disobeying a stop sign under section 186 MVA carries 3 points and failing to stop for a red light under section 129 MVA carries only 2 points. These actions probably involve at least the same risk while the red light violation in general could be considered to be more risky.

Traffic tickets issued to the registered owner of a vehicle instead of to the driver do not result in penalty points on conviction.

Registered owners are liable for the use of their vehicle by othersand can shift that liability by identifying the driver or showing that the vehicle was stolen. Changing the rules to remove this exemption may result in more care being exercised in who people loan their vehicles to. It would also lay proper responsibility at the feet of those who commit violations.

Source: #DriveSmartBC

Bad B.C. drivers to face increased penalties; fines to jump 20 per cent annually

VICTORIA _ Bad drivers in British Columbia have less than 24 hours to improve their habits or face increased penalties for speeding, impaired or distracted driving and other offences.

Attorney General David Eby says in a release that fines applied under the driver risk premium and driver penalty point premium will jump 20 per cent effective Nov. 1, and a further 20 per cent in November 2019.

The driver risk premium is assessed for behaviour such as excessive speeding or two or more distracted driving violations, while the penalty point premium applies to drivers who collect four or more points from traffic violations in a single year.

Both penalties are on top of any fines or other consequences linked to the initial infraction and must be paid before vehicle insurance or a driver’s licence can be renewed.

The Attorney General’s Ministry says driver point premiums currently range from $175 for four points to $24,000 for 50 or more, but the increase will raise those amounts to $210 for four points and $28,800 for 50 or more.

Eby also says penalty premiums will keep pace with hikes in basic insurance offered by the Insurance Corporation of B.C., meaning the public insurer expects to collect $26 million in penalties next year, $32 million in 2020 and $36 million by 2021.

“Reckless drivers put others at risk, and they’re contributing to the rise in crashes we’re seeing on our roads,” Eby said in the release.

He also said higher penalties will hold drivers accountable if they engage in dangerous behaviour while behind the wheel.

The insurance industry will be monitoring any effects on their costs very closely in the coming year.

Read more

IBC reviewing private member’s bill on auto insurance pricing

Insurance Bureau of Canada (IBC) is currently reviewing the private member’s Bill 42, introduced this afternoon by MPP Parm Gill, that looks at eliminating postal code as one factor used in determining risk for auto insurance premiums.

Under the current regulations, auto insurance premiums are based on claims data, including the frequency and cost of collisions. The current regulations are outdated and don’t reflect the realities of today’s drivers.

Ontario’s drivers look forward to an improved regulatory environment. Ontario auto insurers are actively seeking modernized regulation that enables them to meet the needs of Ontario drivers. We are committed to working with government to fix auto insurance in this province,” said Kim Donaldson, Vice-President, Ontario, IBC.

About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 126,000 Canadians, pays $9 billion in taxes and has a total premium base of $54.7 billion.

For media releases and more information, visit IBC’s Media Centre at www.ibc.ca. Follow IBC on Twitter @InsuranceBureau or like us on Facebook. If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

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