This year’s 10 most frequently stolen vehicles in IBC’s Western and Pacific region are:
VANCOUVER _ British Columbia’s transportation minister says more needs to be done to prevent chunks of ice falling from Metro Vancouver’s bridges and damaging vehicles.
A winter storm brought more than five centimetres of snow to the region Monday and there were numerous reports of snow and ice falling from bridges, leaving vehicles with cracked windshields and dented roofs.
“We’re very thankful that no one was hurt during these incidents, but we’re not happy at all that vehicles were damaged by falling snow and ice,” said Transportation Minister Todd Stone.
He said the Insurance Corporation of B.C. has received 40 claims from people whose vehicles were damaged. Ten of the claims came from drivers who were travelling over the Port Mann Bridge between Surrey and Coquitlam, and 30 from motorists going over the Alex Fraser Bridge, which spans New Westminster and Delta.
Stone said the province will pay the insurance deductibles for all of the damaged vehicles, but it’s too soon to say what the cost will be because more drivers could still come forward.
Similar incidents were reported on the Port Mann Bridge in 2012, shortly after it opened. Devices were later installed on each of the bridge’s 288 cables to drop down and clear snow and slush in wintry weather. They were in operation Monday.
A de-icing spray was used to try and keep snow and ice off the towers and cross beam of the Alex Fraser Bridge, but staff are now investigating what else should have been done.
“I want to say very clearly to the people of British Columbia that we can and we will do better,” Stone said.
Another snow storm is scheduled to hit the region Thursday. Stone said, among other things, monitoring is being increased on the bridges.
The Insurance Bureau of Canada (IBC) today unveiled its annual list of the ten vehicles most frequently stolen in Quebec. Once again, luxury sport utility vehicles (SUVs) are the first choice among criminals.
With the exception of BMW’s 335xi–which is considered a luxury car—IBC’s Top 10 clearly demonstrates that for thieves, the appeal of sport utility vehicles shows no signs of slowing down. In fact, all the cars that fell into their clutches in 2015 were SUVs.
If overall rates for auto theft are continuing to decline in Quebec, they remain a costly problem for insurers. Between 2013 and 2015, for example, the frequency of thefts dropped by 25%, but the average cost for these types of claims actually rose by 15%, from $15,428to $17,755. “Today’s thefts are different from what they were several years ago. Thieves no longer ‘borrow’ cars to go for a spin; they are now acting as part of organized networks, and vehicles are often stolen for resale abroad,” says Anne Morin, Supervisor, Communications and Public Affairs at the Insurance Bureau of Canada.
In addition to the export market, the vehicles are stolen for resale locally to people who are unaware that they are in fact victims of fraud. The vehicles are also dismantled and sold for parts or used to commit other crimes.
The top 10 in Quebec
This year, the ten most frequently stolen vehicles in Quebec were:
- TOYOTA 4RUNNER 4P 2015 TRUCK/VAN
- TOYOTA 4RUNNER 4P 2014 TRUCK/VAN
- LEXUS RX350 4P 2013 TRUCK/VAN
- LEXUS RX350 4P 2015 TRUCK/VAN
- TOYOTA FJ CRUISER 4P 2011 TRUCK/VAN
- INFINITI QX60 4P 2015 TRUCK/VAN
- BMW 335xi 2P 2008
- TOYOTA 4RUNNER 4P 2013 TRUCK/VAN
- LEXUS RX350 4P 2014 TRUCK/VAN
- LEXUS IS 300 4P 2002
Preventing Auto Theft
The IBC’s Top 10 indicates that, in Quebec, nine out of ten stolen vehicles were built after 2007—in other words, after the installation of anti-theft devices became mandatory under the law. Although these systems discourage some thieves, they are not infallible. So it is important to be vigilant and take certain precautions to discourage thieves from targeting your vehicle.
Protect your vehicle by following these tips:
- Never leave the engine running while the vehicle is unattended.
- Park in a well-lit area.
- After parking, always shut the windows and lock the doors.
- Place valuables and any packages in the trunk out of sight.
- Park your vehicle in your garage overnight.
- Do not leave personal documents in the glove compartment.
- Take the registration and proof of insurance with you when leaving the car.
About the Insurance Bureau of Canada
The Insurance Bureau of Canada is the industry association that represents the majority of insurers across the country. It offers consumers a variety of services to help them stay informed and provides assistance with the purchase of home and automobile insurance as well as in the event of disasters.
* The Top-10 list for 2016 is a compilation of the 2015 statistics from Quebec auto insurers.
SOURCE Insurance Bureau of Canada
THE CANADIAN PRESS
REGINA _ A scaffolding company is suing Consumers’ Co-operative Refineries Ltd. for negligence over an explosion and fire that happened in 2011.
Skyway Canada Ltd. alleges it lost more than $2.7 million in equipment in the explosion, along with associated business losses.
A report from the City of Regina’s fire inspectors found the explosion was caused by corrosion in pipes.
The lawsuit accuses Co-op Refineries of negligence for failing to maintain the pipelines in a safe condition and breach of duty, claiming it was an implied term of the agreement between Skyway and the refinery that the premises would be reasonably safe.
In its statement of defence, the refinery says its agreement with Skyway said, either expressly or implicitly, that there would be no specific duty of care outside the contract.
The refinery says that deal also made Skyway responsible for loss or use of its property whether there was negligence or not and that Skyway would insure against loss or damage to its equipment.
The refinery also denied it was careless in any way, that it failed to maintain the pipes in a safe manner, that it failed to properly monitor the corrosion of pipes, that any of its standards, policies, program or inspection plans with respect to piping were deficient or that any of its inspections or analysis with respect to piping were conducted in a negligent manner.
None of the claims have been proven in court.
In 2013, after the cause of the explosion was found, the refinery was charged with five counts under Occupational Health and Safety regulations.
In 2015, the refinery pleaded guilty to failing to ensure work was properly supervised and the other four charges were withdrawn. The refinery paid a fine of $280,000.
Strapping a Christmas tree to your vehicle can be tricky, and many of us have witnessed some downright dangerous attempts during the holiday season. Not only is safety important, but an auto insurance claim because of scratched paint or a traffic accident may put a damper on your holiday spirit.
Each year, 30 million to 35 million American families celebrate the holiday season with a fresh, farm-grown Christmas tree, according to the National Christmas Tree Association. One of the main challenges many of these households face is getting their perfect tree home without extra expense, damage to their automobile, physical injury, or leaving unsafe debris on the roadway.
Avoid auto insurance claims and ensure the safety of your passengers, other motorists and pedestrians by following these 9 tips.
1. Take measurements
Make sure you know the size of the tree you can accommodate. Before you leave the house, measure the height of the room where you plan to display the tree; it should be at least a foot taller than the tree you buy. Know the width of the space to help you gauge how much tree you can handle.
Also, make sure to measure your vehicle’s interior storage area and roof. It doesn’t do much good to know you can fit an 8-foot tree in the living room but can only handle a six footer on your Toyota.
2. Dress properly
Wear jeans, a long-sleeve shirt, jacket or sweatshirt, and don’t forget work gloves. The branches, needles and other sharp tree parts can poke you in all the wrong places. And wear comfortable shoes with nonslip soles.
3. Items to take with you
You’ll need a tarp, old blanket or heavy plastic sheets to protect your vehicle. Also, be sure to grab the right materials to secure the tree: good rope, twine, ratchet-style tie downs or bungee cords.
Many lots won’t tie the tree on the car for you to avoid an insurance nightmare for the lot if an employee damages your vehicle, so bring a friend to help carry and secure your tree.
4. Wrap the tree
Most trees are sold in netting, which you should leave on so that the branches stay tightly bundled and so that carrying the tree is more manageable.
No net? Shake the tree to rid it of loose needles, then wrap it in a blanket or tarp.
5. Cover your vehicle
To avoid paint scratches, lay your tarp or blanket out on the roof of your vehicle before placing the tree up there. Spread it out to cover the entire top to also protect from pieces that fly off while driving down the road.
If you’re hauling the tree in the back of your SUV or minivan, lay down a blanket or tarp to protect your interior from sap stains.
6. Pick the perfect tree (for hauling)
Yes, that 10-foot Evergreen looks amazing on the lot, and it may even fit inside your living room with a bit of trimming, but will it fit on the roof of your SUV? Can you lift it once you get it home?
Be sure that you’re picking out a tree that is not only free of bare spots, but will also realistically fit on top or inside of your vehicle without extending too far past the bumper.
7. Position the tree in the right direction
To keep your tree stable and avoid wind damage when driving, center the tree and arrange it so that the stump end faces the front of your vehicle. The best way to transport a tree is to cover it completely to keep the wind from drying it out, so if you have a second tarp handy, roll the tree up in it before hauling it onto the roof.
8. Secure the tree to your vehicle
If you have a roof rack, secure the tree from where the branches start to its tip, with bungee cords or rope.
It’s not recommended that you put your tree on your car’s roof unless it has a roof rack. However, if you do so, first open all their car doors—not the windows—then tie the tree snugly to the roof with rope.
For trees that extend more beyond your car’s bumpers, tie a reflective flag to the end to alert other drivers.
If you’re hauling your tree in a pickup truck, there could be hot spots in the truck bed—from the exhaust pipe, for example. This can damage the tree’s needles, so put something under it, such as an old blanket.
Before you leave the lot, make sure to give the tree a firm tug to ensure that it’s not going anywhere. If it budges, you probably need to pull the ropes tighter.
9. Take it slow and easy
Once you get on road, take it slow and put on your hazard lights. Avoid the highway, especially if you’re not used to hauling heavy objects on your car’s roof. Highways are not your friend when you have a potential six foot flying, green missile on top of your vehicle.
Remember, roof cargo affects your vehicle’s center of gravity and emergency handling.
Photo Credit: AAA
Excerpted article was written By Dan Rys’s | Billboard.com
(Nov. 21), after a rep for Kanye West confirmed that the remaining 21 dates of his Saint Pablo Tour would be canceled, Billboard estimated it would result in the refunding of more than 300,000 tickets, worth $27.3 million. At the time, however, the big unknown was why West canceled the dates, leaving open the question of whether insurance would cover the costs of shutting down the tour.
Last night, West was placed under observation at a Los Angeles-area hospital, and a source told Billboard he was suffering from exhaustion and sleep deprivation. And while there is little to no further information about West’s condition or the specific reasoning for canceling the tour dates, exhaustion raises several possibilities in terms of West’s potential financial liabilities.
Assuming West had insurance for his Saint Pablo Tour, a standard policy within the music industry would cover an “accident to or illness of any insured person which, in the opinion of an independent medical practitioner approved by the underwriters, entirely prevents any insured person from appearing or continuing to appear in any or all of the insured performances or events.”
Kanye West’s Saint Pablo Tour Cancellation: What’s the Damage?
Essentially, that would require a third party medical practitioner to determine whether or not West’s exhaustion would physically allow him to continue. But it also would typically come with exclusions: for instance, if the exhaustion was due to drug use, sexually-transmitted diseases, “unreasonable or capricious behavior” — which would include cancellations as a result of excessive partying or similar behavior — and whether there was a pre-existing condition, meaning if the person had a history of exhaustion or a previously-diagnosed and undisclosed illness.
A fairly textbook example of a situation that would be covered by this type of policy is Lady Gaga’s 2013 Born This Way Ball Tour. With 22 dates to go on the trek, Gaga suffered a labral tear in her right hip that required surgery, forcing her to cancelthe remaining shows on the tour and causing $25 million worth of ticket refunds. Gaga’s injury clearly would have been covered by this type of insurance, including expenses related to shutting down the tour, advertising costs and lost revenues for both the promoter and performer.
Again, however, West’s situation is slightly different, and there is no clear answer.
“[The policy] is often invoked very quickly for specific injury or illness that is diagnosed easily,” says Paul Bassman, president/CEO of Ascend Insurance Brokerage, one of the top insurance firms in the music industry. “Exhaustion would definitely be harder to prove, but I wouldn’t say it’s impossible.”
Live Nation, the promoter for the Saint Pablo Tour, likely has its own policy, which generally differs from an artist’s policy by not carrying exclusions for things like drug use, capricious behavior or other situations, though the independent medical evaluation would still be required. That could leave open a situation where Live Nation would be covered for its own expenses, including its guarantees to West (if they are responsible for paying those guarantees in the event of a cancellation), while if West’s condition was not deemed to be covered by his insurance policy, he may still be on the hook.
For now there is little to do but hope that West is getting the treatment he requires, while any definitive judgment is too early to assess. “We just don’t know enough about why he cancelled,” Bassman adds. “Until more information is available on the specifics of the cancellation, it’s not possible to determine whether this will be covered by insurance or not.”