Q1. Give the full correct name and citation for the regulation that lays out the mandatory coverage for motor vehicle insurance in BC. What statute is this regulation made under?
Q2. If I have an Owner's certificate for a vehicle, who else will be covered for third party liability?
Q3. If I have an Owner's certificate for a vehicle, who else will be covered for accident benefits?
Q4. What are the insuring agreements for third party liability coverage? What are ICBC's obligations to an insured?
Q5. What is the insuring agreement for accident benefits?
Q6. What is a Driver's certificate? How is it different than an Owner's certificate? Give one case where a Driver's certificate gives coverage to someone
Q7. My long-distance girlfriend has come to stay with me for a month. One day, she takes my car out for a drive without getting my consent first and she gets in an accident. Is she entitled to 3rd party liability coverage? Why or why not?
Q8. I am going to Seattle from Victoria by ferry with my car. While on the ferry, I start my car and pop the clutch. The car hits another passenger walking in front of mine. Am I covered for 3rd party liability? Why or why not?
Q9. I am divorced and my wife has custody of the kids. Because of my criminal record, the kids do not stay with me. In the accident described in the question above, the person I hit was my son. Is he entitled to Accident Benefits?
Q10. I am driving and you are my passenger. You are using my laptop and you spill your coffee onto it, destroying it. I sue you for the laptop. Do you have coverage with ICBC? Why or why not?
Q11. Wes Kinna needs to know how insurance works for a new trailer that he wants to buy and rent out to customers. What are the rules?
Q12. You are getting out of a taxi and you open the door just as a cyclist is riding by. The cyclist sues you for his injuries. Are you covered for this claim?
Q13. A lawyer that you work for earns $365,000 a year. He is injured in an accident that is completely his fault. He is injured in the accident and is off work for 4 weeks. He has to buy crutches worth $150, and prescriptions for pain totalling $300. He also has chiropractic expenses of $500, massage therapy expenses of $500, and homeopathy expenses of $1,000. How much is he entitled to under Part 7?
Q14. Homer Simpson has a 4-wheel truck with a snow plow on it. He starts up a business called Mr. Plow. The first day that it snows in Vancouver, he goes out and starts plowing snow from the streets. While he is plowing, the snowplow comes off of the truck and hits a parked car. Is Homer covered?
Q15. We have an accident: you are turning left and I am coming straight through. After the accident, I tell you that I was completely at fault for the accident and that I don't want to go through my insurance. I tell you that I will pay for damage to your car myself, and I do so after you get your car fixed. Within a week, you are suffering from whiplash symptoms and notify me of a claim for personal injuries. Am I covered?
Q16. You are suing me for injuries sustained in a car accident. My cousin Vinny is a new lawyer, who needs work. Can I require ICBC to pay Vinny's legal fees for defending the claim?
Q17. I want to start up a business as a car repair garage. What rules about ICBC insurance do I need to know about?
Q18. I am crossing the street just as you lose control of your car on a slippery road. Your spinning car hits 2 other cars and then me, giving rise to 3 claims against you, which total $1,750,000. You only have $200,000 worth of coverage. I don't own a car but I am licensed to drive in BC. What can I do in this situation?
Q19. Your car breaks down and I am towing it to a garage for you as a favour. I lose control and both of our vehicles end up crashing into an oncoming car. My car has $200,000 of coverage and yours has $1,000,000. What is ICBC's limit of liability?
Q20. You are driving very drunk. You hit granny in a crosswalk. Does ICBC have to cover you for Granny's claim?