Insurance Spot

Ford Unveils High Tech Safety Features

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 17 Aug 2009 14:24:00 +0000

Blind Spot Detection is now available

2-Door Volvo & Ford Coupes earn Top Safety Pick

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 21 Jul 2009 16:09:00 +0000

From the Insurance Institute for Highway Safety

ARLINGTON, VA — Crash tests demonstrate that occupant protection in all kinds of vehicles is improving. However, the Insurance Institute for Highway Safety doesn't routinely test vehicles in every size/type category. Emphasizing vehicles for family use, the Institute usually crash tests 4-door models. To evaluate the extent to which automakers are extending crashworthiness improvements to 2-door cars, the Institute recently conducted front, side, and rear tests of 2009 coupes including the Chevrolet Cobalt, Ford Focus, Honda Civic, and Scion tC, all small models, plus the midsize Volvo C30.

"We're often asked about the crash test performance of 2-door cars," says David Zuby, Institute senior vice president for vehicle research. "Design and structural differences mean we can't automatically apply our test results of 4-door cars to 2-door versions of the same models. We decided to do these tests to see how the 2-doors stack up in protecting people in the 3 most common kinds of crashes."

The Institute rates vehicles good, acceptable, marginal, or poor based on performance in front and side crash tests. The third test measures how well vehicle seats and head restraints protect people against neck injury in low-speed rear crashes.

"Overall the results for 2-door cars are good news," Zuby says. "All but one earn good ratings in our frontal offset test. Only 2 of the 5 earn this rating for protection in side crashes, but none of the 5 earns anything less than an acceptable rating. This is pretty good, considering how demanding the side test is. It simulates being struck by a pickup or SUV."
Zuby adds that "all 5 cars in this group, from relatively inexpensive to moderately priced, have head-protecting side airbags as standard equipment. In 2003 automakers pledged to voluntarily put side airbags in their vehicles as standard equipment by the 2010 model year. They're making good on this pledge."

Focus and C30 are best in group of 5: Earning good ratings in all 3 of the Institute's tests and equipped with optional electronic stability control, the Focus qualifies as a 2009 Top Safety Pick among small cars. Also earning this award is the midsize Volvo C30. Seven small cars and 10 midsize moderately priced models now earn the award, the Institute's top safety designation. The list of winners makes it easier for consumers to zero in on vehicles in each class that afford the best overall crash protection.

"Choosing a vehicle that provides top-notch crash protection is easier than ever," Zuby says. "With so many choices, there's no reason to buy something with less than the best crash test ratings."

Among the 5 car models the Institute recently tested, 4 earn the top rating of good in the 40 mph frontal offset test. The Scion tC is rated acceptable.
The tC's structure held up well, but overall performance wasn't as good as the other cars. Forces recorded on the driver dummy indicate that an injury to the lower right leg would be possible, and a high head acceleration occurred when the dummy's head bottomed out the airbag. The tC is unique in this group for having a separate airbag in the lower instrument panel designed to minimize knee injuries in frontal crashes.
The tC doesn't have electronic stability control, which research shows can significantly reduce the risk of crashing — especially getting into a serious single-vehicle crash. This feature reduces fatal single-vehicle crash risk by 51 percent and fatal multiple-vehicle crash risk by 20 percent.
"Since the tC is especially appealing to younger drivers who are more likely to get into the kinds of situations where electronic stability control can make a difference, even a lifesaving difference, it's disappointing that this feature isn't offered, even as an option," Zuby points out.

No poor performers in side test: Side impacts are the second most common type of fatal crash. More than 8,000 people were killed in side impacts in 2007. This compares with more than 14,000 deaths in frontal crashes. In the Institute's side test, the C30 and Focus are rated good. The Civic, Cobalt, and tC are rated acceptable (note: The Cobalt's rating applies to vehicles built after May 2009, when General Motors modified this car's curtain airbags).

In the Civic, forces on the driver dummy's chest and abdomen indicate that rib fractures and a fractured pelvis would be possible. The tC also was downgraded for torso protection. The Cobalt's marginal score for structural intrusion into the occupant compartment prevented this car from earning a good rating overall in the side test.

Rear crash protection: Occupant protection in rear-enders has mostly lagged behind improvements in front and side crashworthiness, but the recently tested cars are exceptions. All but the tC earn good or acceptable rear crash ratings. Neck sprain or strain is the most frequently reported crash injury in US insurance claims. As automakers strive to earn Top Safety Pick, they're upgrading seats and head restraints.

2- and 4-door cars don't always perform the same: The Civic, Cobalt, and Focus also are sold as 4-doors, and the Institute tested them previously. Frontal tests reveal only small differences between the 2- and 4-door versions, but differences in side test performance are more pronounced. For example, the 4-door Civic earns a good rating in the Institute's side test and is a Top Safety Pick while the 2-door version is rated acceptable in the side test because of higher forces on the driver dummy's chest, abdomen, and pelvis. On the other hand, the 2-door Focus performed better than the 4-door version, earning a good rating in the side test and a Top Safety Pick designation compared with the 4-door's acceptable performance in the side test.

"These differences confirm that crash test ratings for 4-door cars can't automatically be applied to 2-door versions," Zuby explains. "Still the safety improvements we've seen for 4-door vehicles generally appear to be carrying over to 2-doors, which is good news for consumers."
How vehicles are evaluated: The Institute's frontal crashworthiness evaluations are based on results of 40 mph frontal offset crash tests. Each vehicle's overall evaluation is based on measurements of intrusion into the occupant compartment, injury measures recorded on a Hybrid III dummy in the driver seat, and analysis of slow-motion film to assess how well the restraint system controlled dummy movement during the test.

Side evaluations are based on performance in a crash test in which the side of a vehicle is struck by a barrier moving at 31 mph. The barrier represents the front end of a pickup or SUV. Ratings reflect injury measures recorded on two instrumented SID-IIs dummies, assessment of head protection countermeasures, and the vehicle's structural performance during the impact.

Rear crash protection is rated according to a two-step procedure. Starting points for the ratings are measurements of head restraint geometry — the height of a restraint and its horizontal distance behind the back of the head of an average-size man. Seat/head restraints with good or acceptable geometry are tested dynamically using a dummy that measures forces on the neck. This test simulates a collision in which a stationary vehicle is struck in the rear at 20 mph. Seats without good or acceptable geometry are rated poor overall because they can't be positioned to protect many people.

www.iihs.org

Protect your vehicle from theft

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 23 Jun 2009 18:15:00 +0000

30 Seconds is all it takes.. and that's without a key!

Protect your vehicle from theft

Here are some tips to remember:

Never leave your vehicle running unattended

Lock all doors

Remove all valuables

Completely close all the windows

Park in well-lit locations. Avoid isolated areas

Install an alarm system with a kill switch

INstall a steering wheel locking device

Install a locking fuel cap

Intall a vehicle tracking system

Install an ignition or fuel kill switch

If you have a garage, use it and lock it

If you have a rear-wheel drive car, back into the driveway

If you have a front-wheel drive car, park front end first

Always set the emergency brake

Never hide a spare key in the vehicle

Don't leave the ownership or insurance cards in the vehicle when unattended

Drop business cards or address labels inside doors to assist with vehicle identification

Don't assume you have Theft Coverage on your insurance policy, talk to your broker.

http://www.blueskyfinancialgroup.com/

Spring/Summer Preventative Maintenance Tips for your home

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 09 Jun 2009 14:37:00 +0000

Most people remember when daylight savings happens, it's time to change the battery in their smoke detectors. Here are 8 more useful tips to keep your home in top shape:

1- Clean out your dryer vent
Make your dryer more efficient, reduce condensation build-up and prevent possible fires;

2- Change the rubber washers on your garden hoses
Stop that annoying drip, save money on your water bill and prevent damage to your house foundation;

3- Replace burnt out light bulbs outside your home
A well-lit home is an inexpensive way to deter break ins;

4- Cut back hedges and trim trees near your house
Eliminate hiding places for thieves and remove branches that could damage siding or break windows;

5- Check the downspouts
Clean all blockages and point spouts away from the foundation to prevent excess moisture problems;

6- Remove unwanted clutter from garages and sheds
Free up storage space and eliminate potential fire risks;

7- Make sure furnace and roof vents are clear of obstructions
Leaves and bird’s nests can cause serious problems if left unattended;

8- Check the water hoses that run to your washing machine
These are relatively inexpensive hoses that are under constant pressure. If one happens to break you could have a major expense on your hands. Change them every 5 years and with small investment, you could save hundreds of dollars.

The articles which appear in this publication represent the opinions of the authors and do not represent or embody any official position of, or statement by IBAO or Blue Sky Financial Group; nor do they attempt to set forth definitive action standards or to provide legal advice

Fire & CO2 Home Safety Tips

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 26 May 2009 15:12:00 +0000

Home Safety Tips

Personal safety for you and your family begins in your home. Statistics prove this.
Far too many fire fatalities occur in the home — most at night when people are asleep and where there are no working smoke alarms. The law in Ontario is that homes have one smoke alarm on every level of their home and it is recommended that there be one installed outside all sleeping areas.

Having a smoke alarm is not enough. It must be a working alarm. Test your smoke alarms regularly and remember to change their batteries at least once a year. Since we change our clocks each Spring and Fall, these are good opportunities to change the batteries in your smoke alarms.

Smoke alarms should be installed on the ceiling away from bathrooms, windows, ceiling fans and heating appliances. Make sure everyone knows the sound of the alarm and what to do if a fire occurs.

Fires can be terrifying and cause confusion, especially for children. Make sure everyone has two escape routes out of the house and you have a pre-arranged meeting place outside the home. Practice your escape plans by conducting a fire drill – it could save your life.

Another hazard in the home is carbon monoxide (CO), a colourless, odourless and deadly gas. CO is a by-product of appliances such as furnaces, water heaters and fireplaces that run on flammable fuels like gas or oil. CO poisoning can be difficult to detect since its symptoms are similar to diseases such as the flu. Symptoms of low CO levels could be a slight headache and/or shortage of breath. Higher concentrations will make victims experience severe headaches, dizziness, nausea, vomiting, mental confusion, weakness, drowsiness or fainting. At extreme levels of CO poisoning, individuals can experience unconsciousness, brain damage or even death.

A CO detector placed near the home’s heating source adds an extra measure of safety. If you suspect carbon monoxide poisoning in your home, open all doors and windows, leave the house immediately and call your fuel supplier or a licensed heating contractor for an emergency inspection.

For more information contact your local fire department or Fire Prevention Officer.

For an affordable quote and professional advice for your Home insurance, visit us at www.blueskyfinancialgroup.com

Auto theft prevention

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 11 May 2009 16:51:00 +0000

A Few Simple Precautions is All it Takes

A professional thief can steal your car in about 30 seconds – without a key. It’s really that easy. But there are few simple precautions that you can take to help make the thief’s target a little harder to reach:

Always roll up your car windows, lock the doors and pocket the key.
Keep your vehicle registration certificate and proof of insurance on you at all times – not in the glove box.
Never leave valuable objects or packages in full view. Put them in the trunk.
Don’t leave the keys in the ignition (20% of stolen cars have keys in them).
Always park in a well lit and busy area.
Protect your car with an IBC-approved engine immobilizer that meets the strict Canadian Standards. However, please be aware that it has been proven that the installation of aftermarket remote starting systems (including those installed at new car dealers) can seriously compromise the effectiveness of immobilization systems. You may be trading the complete protection of your car for a convenience.
Have the parts of your car marked. Parts marking will render your car less attractive to thieves who like to chop up old cars and sell the parts (“chop shops”).
Prevent thieves from towing your car; park with your wheels turned sharply and apply the emergency brake.
Give only your ignition key to a parking lot attendant. Keep your other keys with you.
If you have a garage, use it and lock the door as well as your car.

from the Insurance Bureau of Canada www.ibc.ca

for automobile insurance advice contact us at www.blueskyfinancialgroup.com

Safety nods for Ford Fusion models

noreply@blogger.com (Chantal Trudel Falardeau ) — Wed, 06 May 2009 16:35:00 +0000

from metronews.ca Edmonton

The all-new 2010 Fusion and Fusion Hybrid have received a "Top Safety Pick" rating from the U.S.-based Insurance Institute for Highway Safety (IIHS).

Ford is the only automotive brand to offer two hybrids that have segment-leading fuel efficiency, "Top Safety Pick" awards and exclusive safety technologies.

The Fusion Hybrid offers 41 mpg city while the Escape Hybrid is the most fuel-efficient SUV on the market and also garnered a "Top Safety Pick". The new Fusion Hybrid's class-leading fuel economy bests the Toyota Camry hybrid by 8 mpg in the city. It also features Ford's innovative SmartGauge with EcoGuide, which coaches hybrid drivers to maximize fuel efficiency.

Fusion gets some of their core strength from the use of lightweight high-strength steel in the body structure.

The structure of the Fusion helps it withstand intrusion in a side impact. The tailor-welded B-pillars between the front and rear doorframes are stronger at the top of the vehicle (from below the beltline upward) than at the bottom. This helps to channel energy below the level of the occupants. At the torso level and above, the structure helps to prevent intrusion into the passenger compartment.Among the segment-exclusive safety and driver aid technologies on the new Fusion are Blind Spot Information System (BLIS) with Cross Traffic Alert (CTA) and 911 Assist.

http://www.metronews.ca/edmonton

Pets and your Home Insurance

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 04 May 2009 18:07:00 +0000

Imagine you’re in the middle of redecorating when your pet knocks over a can of paint and spills it across the wall-to-wall broadloom. Before you can do anything, he runs through the paint puddle and jumps on your new sofa. What a mess! Are you covered?

The answer depends on the type of insurance coverage you have on your home and your personal property, and if there are any conditions or limitations within the policy. Three basic types of home policies are available and each one provides a different level of protection.

A Standard Policy provides coverage against "specifically named perils". If pet damage as described above is not specifically named, there is no coverage.

A Broad Form Policy provides all perils coverage on your building (subject to exclusions), and specifically named perils coverage on your personal property. With this type of policy you may have insurance coverage for the damaged broadloom, which is part of the building, but not for the sofa, which is considered personal property or contents. In the absence of a pet damage exclusion, you could submit a claim for damage to the broadloom. There would be no coverage for the pet damage to the sofa.

A Comprehensive Policy (often referred to as "all risk") offers protection against direct physical loss or damage on both your dwelling and your personal property. All Risk policies are subject to specific exclusions and in many cases, higher deductibles. This type of policy would provide coverage for the damaged broadloom and the sofa unless there was an exclusion stating otherwise.

If you have questions about your home and personal property policy, including coverage exclusions and limitations, call us. We’re here to help.

Beware of Exclusions

noreply@blogger.com (Chantal Trudel Falardeau ) — Fri, 24 Apr 2009 20:04:00 +0000

BEWARE OF EXCLUSIONS:

WHAT YOUR HOMEOWNERS INSURANCE POLICY DOESN'T COVER

Don't wait until disaster strikes to find out what your homeowners insurance policy does not cover. Take the time now to familiarize yourself with the exclusions outlined in your policy. If you come across something you don't understand, ask your insurance representative for more information. Exclusions are specific hazards or situations for which your insurance company will not provide coverage.

Common exclusions

Below are some of the potential causes of loss (also known as "perils") for which most insurance companies will not provide coverage:

Damage caused by wear and tear, rust, corrosion or gradual deterioration.

Water damage caused by flood, underground water or water that enters through cracks in your foundation.

Damage arising from the freezing of indoor plumbing. Note: If you are away from home for more than four consecutive days over the normal heating months, you must drain the plumbing or arrange to have your home inspected on a daily basis by a competent individual to ensure that heat is maintained. If, however, freezing-related damage were to occur despite such precautions, it might be covered.

Damage caused to the exterior of your home as the result of freezing, melting or moving snow or ice and heaving frost.

Damage caused by snowslide, landslide and other forms of earth movement (e.g., earthquakes). Note: However, damage from a fire or explosion caused by earth movement may be covered.

Damage caused by insects and rodents (e.g., termites, squirrels, mice, birds).
Intentional or criminal acts (fraudulent claims).

Did you know that...
You may be able to purchase additional optional coverages, also known as "endorsements," to protect against some of the above excluded perils. For example, you may want to consider purchasing a sewer backup endorsement if you live in a low-lying area, particularly one with combined storm and sanitary sewers. Ask your insurance representative for more information.
For more information on insurance, visit http://www.fsco.gov.on.ca/.

Call an experienced Insurance broker for more information

Ways to Reduce your Homeowners Insurance Premium

noreply@blogger.com (Chantal Trudel Falardeau ) — Thu, 23 Apr 2009 17:59:00 +0000

Financial Services Commission of Ontario

WAYS TO REDUCE YOUR HOMEOWNERS INSURANCE PREMIUM

1. Shop around.

Whether you are buying a new homeowners insurance policy or renewing your current one, it is a good idea to get quotes from various insurance agents, brokers and direct writers.
Did you know that...
Insurance agents represent one insurance company. Insurance brokers may sell insurance on behalf of more than one insurance company. Ask your broker to provide you with the names of all the companies he or she represents. Direct writers are insurance companies that sell their own insurance products directly to consumers.

To find an insurance agent, broker or direct writer near you:

Ask family and friends if they would recommend their own insurance broker, agent or company.
Consult your local business telephone directory under "Insurance Agents," "Insurance Brokers" and "Insurance-General." Visit the Insurance Brokers Association of Ontario (IBAO)* website at www.ibao.org for a list of brokers.Visit the Canadian Association of Direct Response Insurers (CADRI)* website at www.cadri.com, or the Insurance Bureau of Canada (IBC)* website at www.ibc.ca for a list of insurance companies. *Industry trade associations.

Note: When comparing quotes, keep in mind that the range of coverage, deductibles and limitations (commonly referred to as "exclusions") may differ slightly from one insurance policy to the next. Make sure you compare similar policies.

As outlined on the Insurance Bureau of Canada’s (IBC) website at www.ibc.ca, there are four main types of homeowner insurance policies:

The "comprehensive" policy, which covers both the building and its contents for many risks that are NOT specifically excluded in the policy. The "named perils" policy, which covers only those perils, such as fire, that ARE specifically included in the policy. The "broad" policy, which provides "all risks" coverage on the building and "named perils" coverage on its contents. The "no-frills" policy, which provides "bare-bones" or "no-frills" coverage for properties that don't meet normal underwriting standards; contact your insurance representative for details. Visit IBC's website or speak to your insurance representative for more information on the various homeowners insurance policies that are available.

2. Increase your deductible.

A "deductible" is the amount that you agree to pay towards the total amount of your insurance claim. Your insurance company is only responsible for the amount by which your claim exceeds the amount of your deductible.
Typically, homeowners insurance policies carry a $500 deductible. But you may be able reduce your premium by increasing your deductible from $500 to $1,000.
Note: Keep in mind that with a higher deductible you'll have to pay more in the event of a loss before your policy coverage starts. For example, if your roof sustains $3,000 in damage following a lightning storm and you have a $1,000 deductible, you will be responsible for paying the first $1,000 towards correcting the damage before your insurance company pays the remaining $2,000.

3. Consider buying homeowners and automobile insurance coverage from the same company.

Some insurance companies will take 5 to 15 per cent off your premium if you purchase two or more policies from them.

4. Improve security.

You may be able to further reduce your insurance premium by installing a smoke detector, carbon monoxide detector, monitored burglar alarm system or deadbolt locks. Ask your insurance representative for more information.

5. Seek out other discounts.

Check with your insurance representative to find out if you qualify for any additional discounts, such as

Affinity Discount: Employment by a particular organization, or membership in certain union, alumni, professional, occupational or non-profit associations, may qualify you for an "affinity" discount.
Loyalty Discount: Your company may offer you a loyalty discount if you've been with the company for a certain number of years.
Retiree Discount: If you are retired and meet certain conditions, you may be entitled to a retiree discount.
Non-Smoker Discount: Your company may offer you a non-smoker discount if all family members in the house are non-smokers.

6. Don't switch insurance companies midway through the policy.

Wait until renewal time to avoid a cancellation penalty.

7. Review your coverage annually.

Your homeowners insurance coverage should accurately reflect your home's current value and condition, as well as any major improvements or purchases. Review your specific coverages annually and make the necessary adjustments; it could save you money. For example, if, in 2003, you purchased $4,500 in extra insurance coverage for a new professional cross-country racing bike and accessories valued at $5,000 (because your insurance company, like most, limits basic insurance coverage on bicycles and their equipment and accessories to a maximum of $500) you may want to consider doing away with this extra coverage in 2005, when the bike and accessories have depreciated in value to $1,500.

For more information on insurance, visit http://www.fsco.gov.on.ca/.

to get a competitive homeowners insurance quote, visit http://www.blueskyfinancialgroup.com/

Safety tips for Motorcyclists

noreply@blogger.com (Chantal Trudel Falardeau ) — Wed, 22 Apr 2009 16:45:00 +0000

Every year, thousands of people are injured or killed in motorcycle accidents. If you're a rider, make safe choices and take these precautions.

Communication

Make eye contact — never assume that other road users see you. Always try to make eye contact with drivers who may be about to pull into your path.

Read vehicle language — remember — even if they see you — drivers, cyclists and pedestrians often don’t have an accurate sense of your distance or realize how fast you are approaching.

Don’t rely on the judgment of other road users.

Intersections — a common type of intersection crash for motorcycles involves an oncoming vehicle turning left in front of a motorcycle. Always be cautious when you see an oncoming driver signalling to turn left.

Leaving a highway — if you’re turning left from a highway, watch your mirrors and make sure you have plenty of space behind. The drivers behind may not be prepared to slow down for you.

Curves

Many motorcycle crashes happen in curves. A rider may go off the road, or cross over the centre line and ride into oncoming traffic. Avoid this by observing the road ahead, slowing down and choosing the correct lane position, before you enter a curve.

Protection

Helmets — are mandatory almost everywhere. Helmets can prevent fatal injuries 37 per cent of the time and are effective in preventing head injuries in 67 per cent of crashes. Make sure your helmet has a sticker to show that it meets current safety standards. Choose a bright colour and
add some refl ective tape to the sides and back for more visibility. Avoid buying a used helmet. It may have been in a crash, and the damage may not be obvious.

Protective clothing — can provide some protection during a crash and protect you from weather and debris. Being warm and dry will help you stay alert and maintain coordination. Choose clothing that is designed for motorcycle riding and wear it in layers so you can adjust to changing conditions. Jeans give only minimum protection. Never ride in lightweight pants or shorts.

Protect your eyes and face — constant wind can make your eyes water, which can prevent you from being able to see hazards. Flying insects, dust and debris can hurt your eyes and face. The best protection is a full-face helmet with a built-in face shield because it protects both your eyes and your face.

Traction

Traction can be affected by many factors, including wet roads, fluid spills, sand, gravel, highway sealant, railroad tracks, rain grooves and potholes. Many falls are caused by road surface conditions. Keep your eyes open for potential problems.

Make yourself visible

• Wear bright and refl ective clothing. Add extra refl ective material to your clothing or wear

a reflective vest.
• Keep your headlight on at all times.
• Ride in the lane position where other drivers can easily see you and where you’ve got room to

move. Remember that all vehicles have blind spots.

Pre-trip check

Always check your motorcycle before riding. The pre-trip check doesn’t take long and will soon become routine and automatic.

Your check should include:

• Tires — air pressure, tread and condition
• Wheels and rims — check for damage or cracks
• Drive system — chain, belt and shaft — check for tension, lubrication, wear, leaks
• Electrical — lights, brake lights, turn signals, horn and engine cut-off switch
• Fluids — check oil, coolant, fuel, leaks etc.
• Clutch — when you squeeze the clutch lever, the cable should move smoothly and feel tight
• Throttle — should snap back when you let it go
• Mirrors — clean, adjusted, securely fastened
• Brakes — check front and rear brakes to make sure they feel firm and work well

courtesy of http://www.icbc.com/

Looking for a motorcycle insurance quote?

Call us at 1-800-419-3723 or email info@bsfg.ca

After Market Electronic Equipment

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 20 Apr 2009 19:09:00 +0000

Boom boom boom boom...

After Market Electronic Equipment

How many times have you been sitting at an intersection waiting for the light to change when a car pulls up next to you with a stereo on so loud you can FEEL it? Look closely and you might even find "Brand Name" decals on the windows advertising the manufacturer of the powerful stereo. From an insurance perspective, these decals literally shout, "Steal Me!".

However, not all after market electronics are purchased by younger owners. It seems very few vehicles can be found these days without a cell phone or upgraded electronics package of some description.

In the past, as long as these items were permanently attached to the car, truck or van they were considered to be part of the vehicle when calculating its value in the event of a loss. Even though they could add significantly to the value of the vehicle, no additional premium was charged.

Now, with the scope, complexity and variety of electronic add-ons available, the Ontario Automobile Policy has been amended to limit the amount payable for after market Non-Factory Installed Electronic Equipment to $1,500. Such equipment includes, but is not limited to, radios, tape players, compact disc players, speakers, telephones, two-way radios, televisions, fax machines, and navigation/positioning/ location-finding equipment, computers and items of a similar nature.

"Factory Installed Equipment" means electronic accessories and equipment that was included in the original new purchase price of the vehicle. Factory optional upgrades to sound systems are included in this definition.
If you have non-factory installed electronic equipment that is worth more than $1,500 and wish to insure it, contact us and we’ll tailor your policy to meet your needs. For an additional premium, policy endorsement OPCF #38 – Agreed Limit for Automobile Electronic Accessories and Equipment, may be added to provide the appropriate coverage.

call us at 1-800-419-3723, email info@bsfg.ca or vist www.blueskyfinancialgroup.com

Just what is an OPCF 27?

noreply@blogger.com (Chantal Trudel Falardeau ) — Thu, 16 Apr 2009 17:27:00 +0000

Just What Is OPCF 27?

Whenever you rent a car for business or pleasure, you are offered some form of insurance coverage by the rental company. Sometimes this coverage is adequate and fairly priced, other times it is not.

If after reading the fine print (including exclusions, limitations and restrictions), you find the terms unacceptable, you could try another rental car company… or, we can offer a low cost alternative that extends coverage to the rental car.

Called an OPCF 27 (Legal Liability for Non-Owned Automobiles), this endorsement provides physical damage coverage for the policy holder (including their spouse and all drivers listed on the policy) in the event of loss or damage to a rented automobile. The insured must carry physical damage coverage to qualify.

The endorsement also extends the policy to provide third party liability, accident benefits and uninsured automobile coverage to the insured whenever he or she is driving a rented automobile with a gross weight of 4,500 kilograms or less.

Policy limits are available from $25,000 to $50,000 CDN depending on the insurance company. Higher limits may be available for higher valued automobiles.

By adding an OPCF #27 to your automobile policy, you won’t have to worry about buying extra insurance whenever you rent a car in Canada or the United States. Call us to find out more.
1-877-497-3723

Earthquake Coverage

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 14 Apr 2009 17:13:00 +0000

Earthquake Coverage

Who needs it? After all, we live in Ontario right?

While rare, between 1980 and 1998 some 13 earthquakes reached or exceeded 4.0 on the Richter Scale — in the Ottawa and St. Lawrence valleys alone! On May 23, 2000, an earthquake measuring 3.1 was recorded a few kilometres northwest of Oshawa. Tremors were felt in the Toronto area.

While no house in Canada has ever collapsed during an earthquake, falling objects pose the greatest danger. Walls can crack, and unreinforced masonry (e.g. brick walls and chimneys) can collapse. Vibrations may also cause some ground settlement under a house creating small cracks in basement walls.

Even though earthquakes are rare, if one occurs the results can be devasting. Most home, farm and business policies do not cover damage caused directly by earthquakes. For your peace of mind, earthquake protection is usually available under a separate rider or policy, however such protection often includes a high deductible.

What to do if an earthquake strikes

If indoors, stay there. Take cover under a sturdy desk or table or stand in a doorframe. Never use the elevator.
If outdoors, stay there. Keep away from power lines and buildings.
If in a vehicle, park away from buildings, bridges and overpasses. Ground shaking causes most earthquake damage. The Hollywood version of the hole in the ground, which opens up during an earthquake is a common misconception.

Can SUVs Handle Rollover Crashes?

noreply@blogger.com (Chantal Trudel Falardeau ) — Wed, 08 Apr 2009 19:05:00 +0000

Can SUVs Handle Rollover Crashes? Some Can't, says IIHS

Sport utility vehicles are often sold on their ability to handle rugged terrain, but how do they protect passengers in rollover crashes? The U.S. Insurance Institute for Highway Safety (IIHS) has singled out the Volkwagen Tiguan as the SUV with the strongest roof, and added 'roof strength' to its panel of safety ratings.

In its latest round of testing, the institute assessed 12 SUVs for 'roof strength', comparing how much pressure a roof could handle before it was crushed. Of the group, the Volkswagen Tiguan, the Subaru Forester, the Honda Element, and the Jeep Patriot had the highest strength ratings, followed by the Suzuki Grand Vitara, the Chevrolet Equinox and the Toyota RAV4. The Kia Sportage and the Hyundai Tuscon had the poorest ratings. Under the IIHS tests, the higher the strength-to-weight roof strength ratio, the stronger and safer the roof is.

A stronger roof will protect passengers during rollovers because if a roof doesn't buckle or crush during the crash, it won't touch the passengers, and will also help keep the entire vehicle intact, preventing people from being ejected through doors or windows. The institute has added roof-strength testing to the requirements for its Top Safety Pick awards. The new rollover safety factor will likely promote manufacturers' changes, just as the institute's original crash tests for side and front-end impact did, says Adrian Lind, IIHS president.
Although research links 25% of car accident deaths to rollovers, that figure jumps to 59% when an SUV is involved, according to IIHS data.

from Canadian Insurance Business Magazine www.cdnins.com
Insurance Institute for Highway Safety http://www.iihs.org/

Don't let Alcohol spoil your Special Event

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 07 Apr 2009 16:40:00 +0000

Most people know that bars and restaurants can be held liable if they continue to serve a customer who has had too much to drink.
But did you know the same responsibility — and liability — applies to private individuals as well?

If you serve drinks in your home or organize an event that includes alcohol, you could be held responsible if an intoxicated guest has an accident, whether it is on your property or not.
Nobody wants to be sued. However, a little planning and common sense may prevent an accident from happening.

• Provide plenty of food throughout your party
• Don’t make drinking the focus of your event
• Don’t mix alcohol and physical activities such as snowmobiling, skiing or swimming
• Pre-arrange transportation for your guests
• Check the physical location of your event to make sure its safe for your guests

Today, many businesses require the purchase of a liability policy (including alcohol liability) prior to corporate functions. If you’re organizing a banquet, charity event, meeting, or other type of gathering that involves alcohol, you may want to consider the peace of mind that comes with proper insurance coverage.

e-Sense: Keep your on-line information safe and secure

noreply@blogger.com (Chantal Trudel Falardeau ) — Fri, 03 Apr 2009 17:42:00 +0000

As you’ve no doubt recently experienced or heard, Canadians are driving their mouses to on-line shopping sites in greater numbers. Consumers are looking, comparing and buying stuff for a number of reasons which include: saving time, perceived and real savings, convenience and thrill. If you have yet to conduct a purchase over the internet, chances are that you will in the near future, so the following is a little something for you to consider.

According to Statistics Canada $28.3 billion of online sales were carried out in Canada in 2004. With this much e-commerce going on, there is a real fear that individuals may be giving up sensitive information they shouldn’t.
Security and privacy issues can be confusing and difficult to understand. When was the last time you went to a site to review these policies of the company you were thinking about transacting business with? Was there a privacy policy at all? Did you read it? Before you blindly enter a site, here are some questions you may want to ask yourself:

Is knowing that the information you supply may be shared with other companies important to you?

Can you change your mind at a later date about the information you supplied?

Does the site use "cookies" or other ways to track your behaviour? Will the site work with cookies disabled?

How does the company protect the information you have supplied them?

Does the company provide a question and answer section on their site giving you this level of comfort?

Companies wanting your business should provide you the answers you require at well-constructed web sites in helpful and easy to understand language. But remember, it’s up to you to do the research.
Be informed before you transact! For additional helpful information try the Ontario Privacy Commissioner at http://www.ipc.on.ca/.

For information on Identity Theft coverage, contact us at 1-800-419-3723 or email us at info@bsfg.ca

Lost income because of a car accident?

noreply@blogger.com (Chantal Trudel Falardeau ) — Thu, 02 Apr 2009 14:46:00 +0000

Who pays for my lost income if I am in an Automobile Accident and cannot work?

Every day on average, there are over 600 automobile accidents in Ontario. If you are injured in one and cannot work, your auto policy provides an income replacement benefit to partially replace the income you have lost. The policy will pay 80% of your net income based on your pre-accident employment earnings. Net income is essentially your take home pay (gross pay less employment insurance premiums, CPP payments and income tax deducted). The maximum payment is $400 per week.

For most people, this amount is adequate. However, if your income is above average, you should consider purchasing increased benefit coverage from us. It is important to note that any payments made from other sources (such as your employer or any private disability plan) are deducted from the amount payable.

Here’s how it works. If you are injured in an automobile accident, you may be eligible to receive a payment every two weeks to partially replace the income you have lost. You may qualify if you suffer physical or psychological injuries within two years of an accident. The first seven days of your disability are not covered by this plan.

Payments will begin within 14 days after the company has received your completed benefits application form and if your disability continues, a payment will follow at least every two weeks. You may require a certificate from a qualified medical person and the insurance company will pay for this certificate. Also, you are expected to participate in rehabilitation or treatments that are reasonable, and if you refuse, benefits can be reduced by 50%.

There are lesser income benefits available to caregivers (such as full-time homemaker who looks after dependent children) and non-earners (such as a full-time student). If this describes your situation, we can explain the various benefits available.

We urge you to consider your own situation and minimum income needs in the event you became disabled in an automobile accident. Benefit coverage beyond the $400 weekly maximum is available at a reasonable cost. Contact us for more information.

Why you should always 'Insure to Value"

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 30 Mar 2009 17:15:00 +0000

A Real Life Experience

Why you should always "insure to value"

At 4 a.m. one morning, Dave and his family were awakened by their smoke alarms.
"I’ve had emergency training, but when I crawled on my hands and knees and opened the bedroom door, I was absolutely amazed at the clouds of smoke in my home. If it hadn’t been for the smoke detectors, none of us would be here today." Dave and his family were fortunate, they were able to crawl to the door, get out of the house and call the fire department.

The fire in Dave’s home was caused by a crack in the electrical cable coming into his home, which short-circuited and the arcing caused the subsequent fire, which began at the electrical box and moved through the false ceiling of his basement’s recreation room. Dave and his family escaped in their pyjamas.

At this point, it is important to note that Dave had done all the correct things with his insurance. He had filled out the appropriate forms and was insured to what he believed was to value – $150,000 on his home and $110,000 on his contents. Because the damage to the basement weakened the foundation, Dave’s insurer paid $170,000 to replace the dwelling since he had a replacement value clause in his policy.

Contents were an entirely different matter. Dave said the most important thing you have to remember, is that whatever value you insure for also includes sales tax. Therefore, he suggests that you remember whatever amount of insurance you have on contents, the limit is approximately 87 per cent of that value since sales taxes must be paid. Most people would admit that $110,000 on contents and $150,000 on one’s home is more than adequate – not according to Dave.
He remembers some of the immediate out-of-pocket expenses for which he was not prepared – two pairs of glasses, three sets of contact lenses, dental retainers and prescription drugs. He also found it surprising that he had to hire a locksmith to come and cut new keys for his cars, which had to be broken into and pushed out of the way for the fire department.
Other things, such as identification, licenses, credit cards, and passports had to be replaced. They had no keys, no place to live, no identification and no credit cards. His insurer responded within hours with a cheque for $3,000 to tide them over while they found temporary living quarters and shopped for clothes.

Dave is not wealthy, does not have extravagant tastes, but he does insist that insurance on contents be increased to adequately cover his possessions. May we suggest that you closely review the value of all your contents including personal items, a partial list of which has been mentioned above, to ensure that in the event of accidental loss, your insurance will be in a position to replace all your goods. Dave’s comments were that the least of his worries were things like jewellery – he was happy to get out alive.

As a note, when Dave’s house was re-built, he did insure it and his contents fully to value and within a few months of moving back in, thieves entered his home in broad daylight and stole most of his new electronic equipment, stereo, VCR, TV including some items of jewellery that he had replaced for his wife. Dave’s comment however, is if anyone wants to hear why they should insure to value, he’d be only too happy to tell them.

http://www.blueskyfinancialgroup.com/

"The articles which appear in this publication represent the opinions of the authors and do not represent or embody any official position of, or statement by IBAO; nor do they attempt to set forth definitive action standards or to provide legal advice."

Blizzards and Winter Hazards

noreply@blogger.com (Chantal Trudel Falardeau ) — Fri, 13 Mar 2009 16:52:00 +0000

from Environment Canada

The Saskatchewan blizzard of February 1947 was one of the worst in Canadian history. The storm raged for 10 days. A train was buried in a snowdrift 1 km long and 8 m deep. Snow blocked all highways into Regina, plus the streets in every southern Saskatchewan town. Supplies of fuel, food and feed ran dangerously low. Outside Moose Jaw, a farmer cut a hole in his barn roof; it was the only way he could get in to milk his cows.

Blizzards come roaring in on a wave of frigid arctic air, and bring snow, low temperatures, strong winds and poor visibility due to blowing snow. These severe storms last three or more hours.
In Canada, blizzards are most common in the southern prairies, Atlantic Canada and the eastern Arctic, and are rare in the western Northwest Territories, British Columbia and the Yukon. Winter storms and excessive cold claim more than 100 lives every year in Canada, more than the combined toll from hurricanes, tornadoes, flood, extreme heat and lightning.

Precautions

Be prepared: stock up on heating fuel and ready-to-eat food, as well as battery-powered flashlights and a radio. Check the weather forecast before embarking on a trip or outdoor activity. When a blizzard hits, stay indoors and wait it out.
If you must go outside, to avoid getting lost in the blinding snow, tie one end of a long rope to your house, and grasp the other end firmly.
When shovelling after the storm, don't overexert yourself. This job is hard work: 40 cm of heavy, wet snow on a driveway measuring 15 by 4 m weighs more than 12 tonnes.

Winter driving precautions

Don't take risks. Drive slowly and carefully. Turn back or seek refuge if the going gets tough. Keep to main roads. Travel by daylight and with a companion. Let someone know your itinerary, including departure and arrival times and route. Monitor the weather report on the radio. Keep the gas tank full and carry a winter travel kit in your car at all times: shovel, sand, salt, tow chain, flashlight, compass, warning light or road flares, extra clothing and footwear, emergency food pack, axe or hatchet, booster cables, ice scraper and brush, road maps, first-aid kit, matches, candle, fire extinguisher, antifreeze, and blanket.

If your car gets stuck in a blizzard:

Don't panic. Stay in your car--you won't get lost and you'll have shelter.
Avoid over-exertion and exposure. Shovelling and bitter cold can kill.
Keep fresh air in your car. Open a window on the sheltered side, away from the wind. Run your motor sparingly. Remember that overuse of headlights may run down your battery.
Beware of exhaust fumes; check the exhaust pipe frequently to ensure it's not becoming blocked with snow.
Exercise your limbs, hands and feet vigorously. Keep moving and don't fall asleep. Keep watch for traffic or searchers.

Stay under wraps

If you must go outdoors during a blizzard, dress to suit the weather. Outer clothing should be hooded, tightly woven, and water-repellant. Mittens are warmer than gloves. Thin layers of loose-fitting clothing will trap body heat while aiding air circulation.
Because most body heat is lost through the head, it is important to wear a hat. If it is extremely cold, cover your mouth to protect your lungs from the cold air.
Watch for signs of hypothermia, which is particularly threatening to the very young and elderly. Hypothermia is an internal body temperature drop such that body processes slow to the point that they can no longer generate as much heat as is being lost. Hypothermia can be fatal. Symptoms are confusion, slurred speech, stiff muscles, or uncontrollable shivering. If symptoms occur, get medical assistance immediately.

No-Fault Insurance: What's it all about?

noreply@blogger.com (Chantal Trudel Falardeau ) — Mon, 09 Mar 2009 16:20:00 +0000

from the Insurance Bureau of Canada

It does matter who caused the accident.

You certainly can't be blamed for being confused about the term "no-fault" insurance - it's a commonly misunderstood term. No-fault insurance doesn't mean the insurance company lets you off the hook if you cause an accident. Despite the misleading name, it does matter who caused the accident. If you are found to be at fault, either completely or partially, it will go on your insurance record and you will have to pay the penalty. That means you may experience an increase in future premiums.

You deal with your own insurance company.

No-fault coverage pays for some or all of the insured person's loss regardless of who caused that loss. With no-fault insurance, you would look to your insurance company to pay your claim, even if the other driver caused the accident.
No-fault insurance really means that if you are injured or your car is damaged in an accident, you deal with your own insurance company, regardless of who is at fault. You don't have to go after the at-fault driver for vehicle damage reports and for the health care and income replacement benefits to which you are entitled.

For example, if you were injured in a car collision, you would be able to access any medical benefits offered under your policy immediately from your company, even if you were to blame for the accident. You can get the help you need right away, instead of having to wait for the insurance companies to decide who was at fault before paying out any benefits.

How does your insurance company assess fault?

Someone is always determined to be "at fault" in an automobile accident, whether partially or completely. Insurance companies must determine the degree of fault to be assigned to each driver to ensure the at-fault driver's premiums are adjusted appropriately.

In Quebec and Ontario, charts or rules are used to determine fault or responsibility for Direct Compensation -Property Damage claims, but not for injury claims. In Ontario, the fault determination rules are set out in government regulation. The regulations contain examples of common types of collisions and describe how fault is assigned for insurance purposes. These regulations help insurance companies provide consumers with prompt claims handling and fair, consistent treatment. After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a fault decision based on these rules.

The fault determination rules:

cover more than 40 accident situations, using diagrams to illustrate specific scenarios;
can be applied to almost every possible road collision scenario; and
apply regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.

The circumstances of a collision may show that more than one driver was negligent. Each driver's insurance company may then become involved in the settlement based on the degree of responsibility attributed to each person. If there is a dispute about responsibility, court action may be required to resolve it.

How do police charges or convictions affect your insurance company's decision?

If police don't file charges, it doesn't necessarily mean the insurance companies investigating the circumstances of the accident will not find one or more of the drivers involved at fault.
For example, if a vehicle was unable to stop on an icy road and rear-ended another, a police officer may say that neither of the drivers was "at fault". Such a comment applies to the laying of charges and should not be taken as an opinion about how fault applies to an auto insurance claim. In a case like this, the insurer would apply the rule stating that a vehicle that rear-ends another is at fault.

Can fault in an automobile accident be shared?

Yes. The circumstances of an accident may show more than one driver was partially at fault for insurance purposes. Fault is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then fault is allocated according to the rules of negligence law.

How does an at-fault accident affect me?

You can be anywhere from 100% to 0% at fault. Any driver who is more than 0% at fault will have an "at-fault" accident on his or her insurance record.
If you are found at fault for any percentage of the accident, your premium may go up on renewal. However, some companies allow you to maintain your driving record or premium after your first at-fault accident. To confirm your company's approach and how your rates will be affected, check with your insurance representative.
In many cases, if you have your first at-fault accident after six or more years of claims-free and conviction-free driving, your premium may not change or may increase by a relatively small amount. Most companies will change your driving record to reflect the accident and then increase your premium by a small amount. You will then need six years of accident-free driving before you go back to a clean slate.

If this is your second at-fault accident in the last five years, you can expect your premiums to increase quite significantly.
If you have any convictions or cancellations of a policy in addition to an at-fault accident, or are an inexperienced driver with an at-fault accident, you may be considered to be a high-risk driver and be placed with an insurer specializing in these types of risks.
When you are shopping for insurance you should always ask the insurance representative how your premiums will be affected after an at-fault accident.

Also, remember that when you lend your car to someone, you're also lending him or her your insurance. If the person who borrowed your car has an at-fault accident while using your car, the accident will go on your insurance record, and your insurance premium could go up.

What can you do if you disagree with your insurance company's assessment of fault?

If youre dissatisfied with' your insurance company's decision on fault and believe the decision does not accurately reflect the circumstances of the accident, speak to the claims adjuster handling your file. Ask him or her what fault determination rule has been applied in your case.
Bring any new information to the attention of your insurance company. Generally, an insurance company will revise or reconsider its decision on fault only if additional, relevant information is provided. For example, if an accident occurred in which each driver stated that the other had gone through a red light, an insurance company would have little choice but to assign fifty-fifty fault. However, if an eyewitness confirmed which driver went through the red light, an insurance company could review its decision. If your insurance company refuses to revise its decision and you still disagree, contact your company's complaint officer. He or she will guide you through the company's complaint-handling procedures. If you continue to disagree, you may choose to pursue the matter in the courts.

In conclusion - don't think "no fault" means no blame. Your best bet is to drive safely, no matter what the insurance system. No one can find fault with that!

www.ibc.ca

How does my home policy really work?

noreply@blogger.com (Chantal Trudel Falardeau ) — Thu, 05 Mar 2009 18:44:00 +0000

The following definitions explain a few of the major building blocks of home insurance.

Acts of God

Acts of God are considered natural disasters that could not have been reasonably prevented or avoided. Most standard forms cover the perils of hurricanes and tornados. Lightning and hail are classified as named perils.

Coverages for flood or earthquake are not automatic in standard policies but may be available in most cases for an additional premium. Flood or earthquake coverage is likely to be more expensive and difficult to obtain in areas susceptible to these perils.

Deductibles

Deductibles are the amounts you pay to cover a loss before you are entitled to payment by your insurer. Just about every policy has a deductible, usually ranging from $500 to $5,000. Deductibles are designed to discourage small claims, since the purpose of insurance is to
protect you from catastrophic losses not minor inconveniences.

Exclusions

Quite simply, exclusions are items, perils or situations that are not covered by your policy.Your insurer might exclude anything from long-term mould damage to natural disasters, computer data or high-speed watercraft. Other common exclusions include avoidable damage from termites or rodents, water seepage, frozen pipes, intentional damage and high value
items such as art and jewelry.

Liability–in the home and away from home

Although liability insurance is part of your homeowner policy, it also protects against third party claims for bodily injury and property damage caused (unintentionally) by you when you are
away from home.

Depreciation

Depreciation is a measure of the loss in value of an item over time resulting from wear or obsolescence.

Valuations

Your insurer will likely want to conduct a valuation of your home in order to set the right replacement value and coverage level. Unlike an appraisal, this does not determine the market value of the property but rather the likely cost to rebuild the dwelling and other structures
in the event of a complete loss, to original standards.

Overcoming insurance-ese

Insurance involves technical terms that can be baffling. These terms help to make policies precise but don’t always help to make them clear. Don’t be afraid to ask your broker to explain terms that you don’t understand.

from the Insurance Brokers Association of Ontario

contact us for more information: www.blueskyfinancialgroup.com 1-800-419-3723

ICBC Names Top Five Frauds for 2008

noreply@blogger.com (Chantal Trudel Falardeau ) — Wed, 25 Feb 2009 19:13:00 +0000

(from the Insurance Corporation of British Columbia, ICBC)

More than 2,800 cases investigated to protect customers from fraudsters

February 16, 2009 - A staged accident ring, a bribe and a fraudulently reported stolen motorcycle are among ICBC's 2008 list of Top Five Frauds, highlighting individuals and groups who were caught trying to defraud the public insurer and its customers last year. They were among 2800 cases of fraud investigated and 54 convictions achieved by ICBC's Special Investigations Unit (SIU) in 2008.

"We estimate fraud and exaggeration costs each of our 3.1 million customers in the range of $100 to $150 per year," said Steven Tripp, manager of ICBC's SIU. "That amounts to theft from our customers. We're committed to protecting them and to keeping rates low and stable."

No. 1 'Staged accident ring'

In September 2008, a court awarded ICBC more than $369,000 from 22 people who worked together to defraud ICBC. This group of friends and family members staged 12 intentional crashes dating back to 1995. In addition to the court award, ICBC secured $226,000 in settlements from various defendants.

No. 2 'It's not a bribe, it's a tip'

A Vancouver woman, who'd failed the knowledge test three times and the driving test another three times, placed two one hundred dollar bills on the driver examiner's seat before he got into the car. She told investigators she thought the 'tip' would ensure she passed the test. The woman was sentenced to nine months conditional house arrest after pleading guilty to trying to bribe the driver examiner.

No. 3 ' Maybe if I destroy the evidence...'

An Abbotsford man reported his motorcycle stolen. After paying out the claim, ICBC discovered the bike had been abandoned in Sasquatch Provincial Park weeks before the alleged theft.
SIU officers interviewed the man and during a recorded statement, he claimed he lent the bike to a friend who crashed it and wouldn't return it. The man then grabbed the digital recording device and ran out of the Claims Centre. The SIU officer caught up to him but not before the man smashed the recording device to the ground, in an unsuccessful attempt to destroy the evidence.
The man pleaded guilty to making a false statement to ICBC and mischief; he was fined $2,000 and ordered to pay $3,069 in restitution. He was also sentenced to six months probation and 15 hours of community service.

No. 4 'Caught on tape, working'

After crashing his vehicle, this driver claimed he was too injured to continue to work or even drive. Surveillance video not only showed him working and driving but lifting heavy boxes and equipment as he moved his business to another location.
He pleaded guilty to making a false statement to ICBC and was fined $2,000. He also repaid the $4,400 ICBC had paid him for lost wages.
"Inflating injury and damage claims is a common form of fraud," said Tripp. "We have to safeguard our customers from fraudulent acts and those whose false claims threaten stable rates for our customers."

No. 5 'Restorative justice at work'

A young Kelowna man admitted to totalling his grandmother's car, after first claiming he was the victim of a hit and run. He opted for the restorative justice program, writing a letter of apology to community members involved, speaking to media about his experience and lessons learned and performing two days of community service. He also had to repay ICBC $18,900 for damage to his grandmother's vehicle.

About ICBC
ICBC takes all allegations seriously and follows up on all tips and information. The public can help by reporting suspicious, exaggerated or fraudulent claims to ICBC's fraud tips line 1-800-661-6844, toll free from anywhere in the province. Tip information is confidential and callers can remain anonymous. http://www.icbc.com.

from www.insurance-Canada.ca

Snowplow Safety

noreply@blogger.com (Chantal Trudel Falardeau ) — Thu, 19 Feb 2009 17:26:00 +0000

Sharing the road with snowplows can create special challenges for motorists.

You can be better prepared by following a few simple tips when you encountera snowplow:

Be visible - keep headlights on at all times when travelling.

Slow down and keep to the right. Snowplows in residential areas move at much slower speeds than other vehicles. On the highway, snowplows may travel as much as 70 km/hr. Operators also frequently stop to clean off their lights.

Don't pass on the right hand side on undivided highways. Snow and debris exit the plow on the right and pose a severe hazard.

Be cautious when approaching a snowplow from behind - plows may cause snow clouds that reduce visibility.

Watch for the flashing amber lights on the back of these vehicles. These lights send a very intense, narrow band of light behind the snowplow that increases its visibility.

Stay well back until the snowplow operator can safely pull over to let you pass. They will pull over approximately every eight to 12 kilometers and will turn off the sand for vehicles passing whenever possible.

Passing a snow plow is dangerous because…

the large blades on snow plows extend a metre or more ahead and to the right of the truck, often extending into the right-hand lane

snow plows are wider at the front than they appear to be from the rear

even at reduced plowing speeds, light powdery snow forms a cloud that severely restricts visibility

the road surface is always better behind the plow than in front of it

When you see the blue flashing lights of a snow plow, remain a safe distance back.
When encountering a plow coming from the opposite direction, move as far away from the centreline of the pavement as you safely can.

Minimum Required Auto Insurance Coverage in Ontario

noreply@blogger.com (Chantal Trudel Falardeau ) — Tue, 03 Feb 2009 20:25:00 +0000

from the Insurance Bureau of Canada

There is a minimum amount of insurance you need to operate your car in Ontario.
When you buy the minimum, you are entitled to the following:

If by operating your vehicle you become responsible for someone else’s losses (Third Party Liability Coverage):

If you are found to be responsible for a car crash and are sued for injuring or killing someone or damaging someone’s property, your insurance company covers you for up to $200,000 of a legal settlement or court award against you. If you are sued for both injury and property damage and the total claim is $200,000 or more, your insurance company will pay no more than $10,000 for the property damage portion.
(If you did not have insurance and somebody sued you, you would be responsible for all of this yourself.)

If you are injured in a car crash:

You’re entitled to the following benefits, regardless of who is responsible:

If you need medical care (Medical Benefits):

Your insurance company will pay your medical bills, up to $100,000 per person (if your injury is classified as "catastrophic," there is up to $1 million available), including the cost of rehabilitation. Your insurer will pay only after any other health insurance plans have paid. You can also claim up to $72,000 to pay for someone to help you as a result of your injury; there is $1 million available if your injury is "catastrophic" (Attendant Care/Caregiver Benefits).

If your injury causes you to miss work (Disability Income/Income Replacement Benefits):

Your insurance company will pay you 80% of your after-tax wages, up to $400 a week, for up to 104 weeks if you are disabled. Benefits are capped at 12 weeks for Whiplash Associated Disorder I (WAD I) injuries and at 16 weeks for WAD II injuries. If you had no paid employment prior to being injured and are completely unable to carry on a normal life, you will receive $185 a week for 104 weeks. After 104 weeks, you will receive $320 a week if you were a student or had completed your education in the previous year (but didn't yet have a job related to your education) at the time of the accident and the disability remains (Non-Earner Benefit).

If you were employed, you can begin to receive this benefit after seven days of disability, but you will not be paid for the first seven days. If you were not employed, you will not be paid for the first 26 weeks.

If you are killed in a car crash (Death Benefits):

If you die in a car crash, and you do not qualify for income replacement benefits, your family is entitled to a sum of money, regardless of who is responsible. If you die within 180 days of an accident (or within three years if you were continuously disabled from your injury before you died), your spouse will receive a minimum of $65,360. Your family will also be given $13,072 for each surviving dependent child.

If a dependant dies in a car crash, your family will receive $13,072.
$7,843 is available for funeral expenses.

Suing the responsible driver:

If you believe another driver is responsible for your injuries and/or damage to your property or other economic losses over and above what you received as part of your no-fault benefits, you (or your family) may decide to sue the wrongdoer for additional compensation. You may sue for 80% of your after-tax income loss before the trial and 100% of your gross income loss after the trial. You may also sue for medical, rehabilitation and related costs when the injury meets a verbal threshold for pain and suffering claims.

You may also make a claim against the other driver for pain and suffering, but only if an injured person dies or has "permanent and serious" disfigurement and/or impairment of important physical, mental or psychological function. The court will assess the damages and then take off $30,000 as a deductible ($15,000 if it is a Family Law Act claim).

If you want more than the minimum coverage:

In addition to the minimum coverage listed above, you may choose to buy additional auto insurance coverage to cover theft, vandalism or other damage to your car. You also have the option to buy higher limits on some of the coverage listed above, such as Third Party Liability and Accident Benefits.

For more information about what is and isn’t covered with the minimum amount of insurance you are required to buy, talk to your insurance representative

http://www.blueskyfinancialgroup.com/ or call 1-800-419-3723

www.ibc.ca