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tw0\charscalex100\tab\t\up0\expndtw-2\charscalex1007\par\pard\li1440\sb16\sl-230\slmult0\fi475\tx2405\tldot\tx10674\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs204.\tab\up0\expndtw-9\charscalex79\ul0\nosupersub\cf2\f3\fs20RestrictionsonIndemnity\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1007\par\pard\li1440\sb15\sl-230\slmult0\fi475\tx2405\tldot\tx10674\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs205.\tab\up0\expndtw-9\charscalex80\ul0\nosupersub\cf2\f3\fs20DutiesoftheInsured\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1007\par\pard\li1440\sb15\sl-230\slmult0\fi475\tx2405\tldot\tx10674\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs206.\tab\up0\expndtw-9\charscalex81\ul0\nosupersub\cf2\f3\fs20DutiesoftheCorporation\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1008\par\pard\li1440\sb14\sl-230\slmult0\fi475\tx2405\tldot\tx10674\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs207.\tab\up0\expndtw-9\charscalex80\ul0\nosupersub\cf2\f3\fs20RightsoftheCorporation\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1008\par\pard\li1440\sb15\sl-230\slmult0\fi475\tx2405\tldot\tx10675\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs208.\tab\up0\expndtw-9\charscalex78\ul0\nosupersub\cf2\f3\fs20ExclusionsFromCoverage\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1008\par\pard\li1440\sb15\sl-230\slmult0\fi475\tx2405\tldot\tx10675\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs209.\tab\up0\expndtw-9\charscalex80\ul0\nosupersub\cf2\f3\fs20ForfeitureofClaimsandExceptions\expndtw0\charscalex100\tab\t\up0\expndtw-2\charscalex1009\par\pard\li1440\sb15\sl-230\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-2\charscalex100\ul0\nosupersub\cf7\f8\fs2010.\tab\up0\expndtw-9\charscalex79\ul0\nosupersub\cf2\f3\fs20BreachofConditionsandException

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dot\tx10603\up0\expndtw-8\charscalex90(3)\tab\up0\expndtw-8\charscalex92ReservingaTrialDate\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8928\par\pard\li1440\sb1\sl-207\slmult0\fi965\tx2842\tldot\tx10603\up0\expndtw-8\charscalex90(4)\tab\up0\expndtw-8\charscalex95TheExaminationforDiscovery\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8929\par\pard\li1440\sb0\sl-207\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex93b)\tab\up0\expndtw-8\charscalex94FastTrackLitigation-Rule66\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8929\par\pard\li1440\sb1\sl-205\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex89c)\tab\up0\expndtw-8\charscalex94ExpeditedLitigationProject-Rule68\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8930\par\pard\li1440\sb1\sl-224\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-9\charscalex73\ul0\nosupersub\cf2\f3\fs20J.\tab\up0\expndtw-4\charscalex100D\ul0\nosupersub\cf5\f6\fs15AMAGES\expndtw0\charsca

lex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2031\par\pard\li1440\sb1\sl-225\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex871.\tab\up0\expndtw-9\charscalex76HowDamagesareAssessed\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8931\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstartPg3}{\bkmkendPg3}\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb32\sl-230\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex87\ul0\nosupersub\cf2\f3\fs202.\tab\up0\expndtw-9\charscalex78HeadsofDamage\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8931\par\pard\li1440\sb0\sl-207\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex80\ul0\nosupersub\cf8\f9\fs18a)\tab\up0\expndtw-8\charscalex91Non-pecuniaryDamages\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8931\par\pard\

li1440\sb1\sl-205\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex93b)\tab\up0\expndtw-8\charscalex92LossofProspectiveEarnings\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8932\par\pard\li1440\sb1\sl-207\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex89c)\tab\up0\expndtw-8\charscalex93CostofFutureCare\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8932\par\pard\li1440\sb0\sl-207\slmult0\fi720\tx2641\tldot\tx10603\up0\expndtw-8\charscalex93d)\tab\up0\expndtw-8\charscalex87SpecialDamages\expndtw0\charscalex100\tab\t\up0\expndtw-8\charscalex8932\par\pard\li1440\sb1\sl-223\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex87\ul0\nosupersub\cf2\f3\fs203.\tab\up0\expndtw-9\charscalex80LumpSumAwardsandSt

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ructuredSettlements\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8932\par\pard\li1440\sb1\sl-225\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-2\charscalex100K.\tab\up0\expndtw-7\charscalex91C\ul0\nosupersub\cf5\f6\fs15OSTS\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2033\par\pard\li1440\sb1\sl-226\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-7\charscalex100L.\tab\up0\expndtw-4\charscalex100R\ul0\nosupersub\cf5\f6\fs15EACHINGA\ul0\nosupersub\cf2\f3\fs20S\ul0\nosupersub\cf5\f6\fs15ETTLEMENT\ul0\nosupersub\cf2\f3\fs20B\ul0\nosupersub\cf5\f6\fs15EFORE\ul0\nosupersub\cf2\f3\fs20T\ul0\nosupersub\cf5\f6\fs15RIAL\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2033\par\pard\li1440\sb1\sl-224\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex871.\tab\up0\expndtw-9\charscalex81Negotiation\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8933\par\pard\li1440\sb1\sl-226\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex872.\tab\up0\expndtw-9\charscalex83Mediation\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8933\par\pard\li1440\sb1\sl-224\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex873.\tab\up0\expndtw0\charscalex52\ul0\nosupersub\cf6\f7\fs20ICBC\u8217?sObligationstotheInsured\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2033\par\pard\li1440\sb1\sl-226\slmult0\fi475\tx2405\tldot\tx10588\up0\expndtw-9\charscalex874.\tab\up0\expndtw-9\charscalex80PaymentsintoCourt\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8934\par\pard\li1440\sb117\sl-230\slmult0\fi0\tx2161\tldot\tx10563\up0\expndtw0\charscalex113\ul0\nosupersub\cf3\f4\fs20VII.\tab\up0\expndtw-1\charscalex100MISCELLANEOUS\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex8934\par\pard

\li1440\sb116\sl-230\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-8\charscalex100\ul0\nosupersub\cf2\f3\fs20A.\tab\up0\expndtw-4\charscalex100S\ul0\nosupersub\cf5\f6\fs15UBROGATION\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2034\par\pard\li1440\sb1\sl-223\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-9\charscalex92B.\tab\up0\expndtw-7\charscalex100H\ul0\nosupersub\cf5\f6\fs15OW\ul0\nosupersub\cf2\f3\fs20ICBC\ul0\nosupersub\cf5\f6\fs15\ul0\nosupersub\cf2\f3\fs20S\ul0\nosupersub\cf5\f6\fs15ETS\ul0\nosupersub\cf2\f3\fs20P\ul0\nosupersub\cf5\f6\fs15REMIUMS\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2034\par\pard\li1440\sb1\sl-226\slmult0\fi182\tx2161\tldot\tx10588\up0\expndtw-9\charscalex90C.\tab\up0\expndtw-4\charscalex100D\ul0\nosupersub\cf5\f6\fs15RIVER\ul0\nosupersub\cf2\f3\fs20P\ul0\nosupersub\cf5\f6\fs15OINT\ul0\nosupersub\cf2\f3\fs20P\ul0\nosupersub\cf5\f6\fs15REMIUMS\expndtw0\charscalex100\tab\t\u

p0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2035\par\pard\li1440\sb0\sl-226\slmult0\fi182\tldot\tx10588\up0\expndtw0\charscalex107D.\ul0\nosupersub\cf4\f5\fs22\ul0\nosupersub\cf2\f3\fs20W\ul0\nosupersub\cf5\f6\fs15AIVER\expndtw0\charscalex100\tab\t\up0\expndtw-9\charscalex89\ul0\nosupersub\cf2\f3\fs2035\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstartPg4}{\bkmkendPg4}\pard\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstartPg5}{\bkmkendPg5}\par\pard\ql\li2396\sb0\sl-322\slmult0\par\pard\ql\li2396\sb0\sl-322\slmult0\par\pard\ql\li2396\sb0\sl-322\slmult0\par\pard\ql\li2396\sb207\sl-322\slmult0\up0\expndtw-1\charscalex100\ul0\nosupersub\cf1\f2\fs27CHAPTERTWELVE:AUTOMOBILEINSURANCE(ICBC)\par\pard\li1440\sb230\sl-322\slmult0\fi0\tx2161\up0\expndtw0\charscalex101I.\tab\up0\expndtw0\charscalex101INTRODUCTORYNOTES\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb57\sl-230\slmult0\fi720\up0\expndtw-8\charscalex97\ul0\nosupersub\c

f3\f4\fs20ComprehensivechangesweremadetoBritishColumbia\u8217?sautomobileinsurancelegislation,which\par\pard\li1440\sb1\sl-225\slmult0\fi720\up0\expndtw-9\charscalex92cameintoforceonJune1,2007.\par\pard\li1440\sb228\sl-322\slmult0\fi0\tx2161\up0\expndtw0\charscalex123\ul0\nosupersub\cf1\f2\fs27II.\tab\up0\expndtw-1\charscalex100GOVERNINGLEGISLATION,REGULATIONS,POLICY\par\pard\li1440\sb1\sl-309\slmult0\fi720\up0\expndtw-3\charscalex100GUIDELINES,ANDRESOURCES\par\pard\li1440\sb0\sl-276\slmult0\par\pard\li1440\sb24\sl-276\slmult0\fi720\tx2881\up0\expndtw-11\charscalex96\ul0\nosupersub\cf10\f11\fs24A.\tab\up0\expndtw-11\charscalex92Books\par\pard\qj\li2881\sb0\sl-220\slmult0\par\pard\qj\li2881\ri1222\sb74\sl-220\slmult0\up0\expndtw-8\charscalex96\

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ul0\nosupersub\cf2\f3\fs20Gregory,E.A.andGregory,G.F.T.,\ul0\nosupersub\cf15\f16\fs20\ulTheAnnotatedBritishColumbiaInsurance(MotorVehicle)Act\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20(Toronto:Carswell,1995).UBCLawLibrary,callnumberKN294M6B759.\par\pard\qj\li2881\ri1221\sb204\sl-240\slmult0\up0\expndtw-8\charscalex97ContinuingLegalEducationSocietyofBritishColumbia,\ul0\nosupersub\cf15\f16\fs20\ulBritishColumbiaMotorVehicleAccident\line\up0\expndtw-9\charscalex97ClaimsPracticeManual\up0\expndtw-6\charscalex100\ul0\nosupersub\cf2\f3\fs20(Vancouver:ContinuingLegalEducationSocietyofBritishColumbia,\par\pard\ql\li2881\sb1\sl-215\slmult0\up0\expndtw-9\charscalex942000).OnreserveatUBCLawLibrary,callnumberKN294M6B747.\par\pard\qj\li2881\sb0\sl-220\slmult0\par\pard\qj\li2881\ri1221\sb21\sl-220\slmult0\up0\expndtw-6\charscalex100ContinuingLegalEducationSocietyofBritishColumbia,\ul0\nosupersub\cf15\f16\fs20\ulICBCMotorVehicleAccidentClaims\up0\expndtw-7\charscalex100(November,1988)\ul0\nosupersub\cf2\f3\fs20(Vancouver:ContinuingLegalEducationSocietyofBritishColumbia,1988).\up0\expndtw-9\charscalex96UBCLawLibrary,callnumberKN294M6I322.\par\pard\qj\li2881\sb0\sl-220\slmult0\par\pard\qj\li2881\ri1221\sb20\sl-220\slmult0\up0\expndtw-5\charscalex100ContinuingLegalEducationSocietyofBritishColumbia,\ul0\nosupersub\cf15\f16\fs20\ulVehicleInsurance:BritishColumbia\line\up0\expndtw-8\charscalex96LegislationandCommentary\ul0\nosupersub\cf2\f3\fs20(Vancouver:ContinuingLegalEducationSocietyofBritishColumbia,\line\up0\expndtw-9\charscalex892007).\par\pard\li2161\sb247\sl-276\slmult0\fi0\tx2881\up0\expndtw-11\charscalex95\ul0\nosupersub\cf10\f11\fs24B.\tab\up0\expndtw-11\charscalex95Legislation\par\pard\ql\li2881\sb0\sl-230\slmult0\par\

pard\ql\li2881\sb39\sl-230\slmult0\up0\expndtw-9\charscalex93\ul0\nosupersub\cf15\f16\fs20\ulInsurance(MotorVehicle)Act\ul0\nosupersub\cf2\f3\fs20,R.S.B.C.1996,c.231[\ul0\nosupersub\cf15\f16\fs20\ulIA\ul0\nosupersub\cf2\f3\fs20].\par\pard\qj\li2881\ri1538\sb57\sl-440\slmult0\up0\expndtw-8\charscalex94\ul0\nosupersub\cf15\f16\fs20\ulInsurance(MotorVehicle)Act-RevisedRegulations(1984)\ul0\nosupersub\cf2\f3\fs20,B.C.Reg.447/83[\ul0\nosupersub\cf15\f16\fs20\ulIARegulations\ul0\nosupersub\cf2\f3\fs20].\up0\expndtw-9\charscalex94\ul0\nosupersub\cf15\f16\fs20\ulInsurance(Vehicle)Act,R.S.B.C.1996,c.231[IVA].\par\pard\qj\li2881\ri4724\sb4\sl-460\slmult0\up0\expndtw-9\charscalex93Insurance(Vehicle)Regulation,B.C.Reg.447/83[IVR].\up0\expndtw-9\charscalex94MotorVehicleAct\ul0\nosupersub\cf2\f3\fs20,R.S.B.C.1996,c.318[\ul0\nosupersub\cf15\f16\fs20\ulMVA\ul0\nosupersub\cf2\f3\fs20].\par\pard\qj\li2881\ri3728\sb0\sl-460\slmult0\up0\expndtw-9\charscalex94\ul0\nosup

ersub\cf15\f16\fs20\ulMotorVehicleActRegulations\ul0\nosupersub\cf2\f3\fs20,B.C.Reg.26/58[\ul0\nosupersub\cf15\f16\fs20\ulMVARegulations\ul0\nosupersub\cf2\f3\fs20].\up0\expndtw-9\charscalex91\ul0\nosupersub\cf15\f16\fs20\ulInsuranceCorporationAct\ul0\nosupersub\cf2\f3\fs20,R.S.B.C.1996,c.228.\par\pard\ql\li2881\sb150\sl-230\slmult0\up0\expndtw-9\charscalex91\ul0\nosupersub\cf15\f16\fs20\ulLimitationAct\ul0\nosupersub\cf2\f3\fs20,R.S.B.C.1996,c.266,s.3(2).\par\pard\ql\li2161\sb230\sl-230\slmult0\tx3601\up0\expndtw0\charscalex103\ul0\nosupersub\cf3\f4\fs20NOTE:\tab\up0\expndtw-6\charscalex100\ul0\nosupersub\cf2\f3\fs20The\ul0\nosupersub\cf15\f16\fs20\ulInsurance(Vehicle)Act\ul0\nosupersub\cf2\f3\fs20[\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20]andits\ul0\nosupersub\cf15\f16\fs20\ulInsurance(Vehicle)Regulation\ul0\nosupersub\cf2\f3\fs20[\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20]forma\par\pard\qj\li3601\ri1220\sb0\sl-22

6\slmult0\up0\expndtw-8\charscalex94codegoverningmostaspectsofautoinsuranceinB.C.The\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20aloneruns102pages,and\line\up0\expndtw-8\charscalex93itisimpossibletogiveacompletesummaryinamanualsuchasthis.Whatfollowsisonlya\line\up0\expndtw-6\charscalex100guidetohelpyoulocatetherelevantsectionsofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20thatyouarelikelyto\line\up0\expndtw-9\charscalex91encounter.\par\pard\li2161\sb226\sl-230\slmult0\fi0\tx3601\tx6712\up0\expndtw-4\charscalex100\ul0\nosupersub\cf3\f4\fs20NOTE:\tab\up0\expndtw-4\charscalex100\ul0\nosupersub\cf2\f3\fs20The\ul0\

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nosupersub\cf15\f16\fs20\ulInsurance(MotorVehicle)Act\ul0\tab\up0\expndtw-4\charscalex100\ul0\nosupersub\cf2\f3\fs20[\ul0\nosupersub\cf15\f16\fs20\ulIA\ul0\nosupersub\cf2\f3\fs20]andthe\ul0\nosupersub\cf15\f16\fs20\ulIARegulations\ul0\nosupersub\cf2\f3\fs20wereamendedand\par\pard\qj\li3601\ri1220\sb0\sl-220\slmult0\up0\expndtw-7\charscalex100renamedthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20respectively.The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20cameintoforceandeffecton\line\up0\expndtw-8\charscalex98July1,2007.Notablechangesinthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20areoutlinedin\ul0\nosupersub\cf3\f4\fs20SectionIII:Summary\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb110\sl-230\slmult0\up0\expndtw-9\charscalex90\ul0\nosupersub\cf2\f3\fs2012-1\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstartPg6}{\bkmkendPg6}\par\pard\qj\li3601\sb0\sl-230\slmult0\par\pard\qj\li3601\sb0\sl-230\slmult0\par\pard\qj\li3601\sb0\sl-230\slmult0\par\pard\qj\li3601\sb0\sl-230\slmult0\par\pard\qj\li3601\sb0\sl-230\slmult0\par\pard\qj\li3601\ri1217\sb19\sl-230\slmult0\up0\expndtw-4\charscalex100\ul0\nosupersub\cf3\f4\fs20ofChangesintheInsurance(Vehicle)ActandInsurance(Vehicle)Regulation\ul0\nosupersub\cf2\f3\fs20,\up0\expndtw-8\charscalex97below.Itisimportanttonotethattherearetransitionalprovisionsgoverningwhetherthe\up0\expndtw-8\charscalex96provisionsoftheoldAct,newAct,orbothActsapplytoanindividualclaim.\par\pard\li2161\sb226\sl-230\slmult0\fi0

\tx3601\up0\expndtw-7\charscalex100\ul0\nosupersub\cf3\f4\fs20NOTE:\tab\up0\expndtw-6\charscalex100\ul0\nosupersub\cf2\f3\fs20Besureto\ul0\nosupersub\cf3\f4\fs20readthecompletesectionintheactoritsregulationsbeforeadvising\par\pard\li2161\sb1\sl-223\slmult0\fi1440\up0\expndtw-7\charscalex100anyone\ul0\nosupersub\cf2\f3\fs20.\par\pard\ql\li1440\sb215\sl-322\slmult0\tx2161\up0\expndtw0\charscalex127\ul0\nosupersub\cf1\f2\fs27III.\tab\up0\expndtw0\charscalex102SUMMARYOFCHANGESINTHEINSURANCE(VEHICLE)ACT\par\pard\ql\li2161\sb0\sl-320\slmult0\up0\expndtw0\charscalex101ANDINSURANCE(VEHICLE)REGULATION\par\pard\ql\li2161\sb0\sl-276\slmult0\par\pard\ql\li2161\sb21\sl-276\slmult0\tx2881\up0\expndtw-11\charscalex96\ul0\nosupersub\cf10\f11\fs24A.\tab\up0\expndtw-11\charscalex95ContinuingLegalEducationSocietyofBritishColumbia\par\pard\qj\li2881\sb0\sl-225\slmult0\par\pard\qj\li2881\ri1217\sb62\sl-225\slmult0\up0\expndtw-5\charscalex100\ul0\nosupersub\cf2\f3\fs20The

ContinuingLegalEducationSocietyofBritishColumbiapublishedabookcalled\ul0\nosupersub\cf15\f16\fs20\ulVehicle\line\up0\expndtw-8\charscalex98Insurance:BritishColumbiaLegislationandCommentary\ul0\nosupersub\cf2\f3\fs20(\u8220?CLE\u8221?).Itprovidesusefulinsightsinto\line\up0\expndtw-6\charscalex100thechangesinthelegislation.TheCLEisquotedseveraltimesinthissection.LSLAPextends\line\up0\expndtw-8\charscalex98specialacknowledgmentstotheauthoroftheCLE,DonaldW.Yule,Q.C.,andthelegaleditorof\line\up0\expndtw-9\charscalex92theCLE,LauraC.Selby.\par\pard\li2161\sb246\sl-276\slmult0\fi0\tx2881\up0\expndtw-9\charscalex100\ul0\nosupersub\cf10\f11\fs24B.\tab\up0\expndtw-11\charscalex93TransitionalProvisions\par\pard\li2161\sb0\sl-230\slmult0\par\pard\li2161\sb55\sl-230\slmult0\fi720\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20Therearetransitionalprovisionsthatdictatewhichprovisions,oldornew,willapplytoaparticular\par\pard\li2161\sb

1\sl-225\slmult0\fi720\up0\expndtw-9\charscalex96claim.ThefollowingexurbisfromtheCLE:\par\pard\li2161\sb222\sl-230\slmult0\fi1440\up0\expndtw-8\charscalex97[\u8230?]Amendmentsoradditionsmadeduringthetermofacertificateorpolicythat\par\pard\li2161\sb1\sl-225\slmult0\fi1440\tx5748\tx6007\up0\expndtw-3\charscalex100tookeffectbeforeJune\tab\up0\expndtw-9\charscalex861,\tab\up0\expndtw-1\charscalex1002007,willcontinuetobegovernedbytheold\par\pard\li2161\sb0\sl-225\slmult0\fi1440\up0\expndtw-9\charscalex92provisions.\par\pard\qj\li3601\ri1938\sb211\sl-226\slmult0\up0\expndtw-7\charscalex100Foraperiodoftimethe\u8220?old\u8221?and\u8220?new\u8221?schemeswillapplyintandem.Claims\line\up0\expndtw-8\charscalex98arisingoutofaccide

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ntsthatoccurbeforeJune1,2007willcontinuetobedealt\line\up0\expndtw-7\charscalex100withbythe\ul0\nosupersub\cf15\f16\fs20\ulInsurance(MotorVehicle)Act\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulRevisedRegulation\ul0\nosupersub\cf2\f3\fs20.Forclaims\line\up0\expndtw-8\charscalex95arisingoutofaccidentsthatoccuronorafterJune1,2007,itwillbenecessaryto\line\up0\expndtw-8\charscalex97identifytheparticularcertificateorpolicyagainstwhichorunderwhichtheclaim\line\up0\expndtw-8\charscalex94arises.Thenew\ul0\nosupersub\cf15\f16\fs20\ulInsurance(Vehicle)Act\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulRegulation\ul0\nosupersub\cf2\f3\fs20willapplyifthecertificate\line\up0\expndtw-8\charscalex95orpolicytakeseffectonorafterJune1,2007.Itmaybepossibletohaveasingle\line\up0\expndtw-8\charscalex93accidentgenerateclaimsgovernedinpartbybothschemes:anowner\u8223?scertificate\line\up0\expndtw-7\charscalex100issuedFebruary1,2007,anoptionalinsurancecontractwithaprivateinsurer\line\up0\expndtw-8\charscalex94issuedJuly15,2007,andamotorvehicleaccidentonAugust15,2007givingrise\line\up0\expndtw-9\charscalex94toboththirdpartyliabilityandownvehicledamageclaims.\par\pard\li2161\sb245\sl-276\slmult0\fi0\tx2881\up0\expndtw-11\charscalex93\ul0\nosupersub\cf10\f11\fs24C.\tab\up0\expndtw-11\charscalex93SpecificChanges\par\pard\li2161\sb0\sl-276\slmult0\par\pard\li2161\sb19\sl-276\slmult0\fi720\tx3601\up0\expndtw-11\charscalex931.\tab\up0\expndtw-11\charscalex93OptionalInsuranceContracts\par\pard\qj\li3601\sb0\sl-225\slmult0\par\pard\qj\li3601\ri1219\sb59\sl-225\slmult0\up0\expndtw-8\charscalex95\ul0\nosupersub\cf2\f3\fs20ThemostnotablechangeistherepealofPart9ofthe\ul0\nosupersub\cf15\f16\fs20

\ulIARegulation\ul0\nosupersub\cf2\f3\fs20(extensioninsurance,\line\up0\expndtw-4\charscalex100bothexcessthirdpartylegalliabilityandowndamagecoverage)which,asoptional\line\up0\expndtw-3\charscalex100coverage,isnowaddressedinthepartsofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20thatdealwithoptional\line\up0\expndtw-7\charscalex100insurancecontracts.OtheroptionalcoverageprovidedbyICBC,formerlysetoutinthe\line\up0\expndtw-8\charscalex100RevisedRegulationhavealsobeenrepealed,i.e.excessParty\up0\expndtw-8\charscalex1007incomereplacement\par\pard\qj\li3601\ri1220\sb0\sl-240\slmult0\up0\expndtw-8\charscalex93coverage(s.97.1),excessUMP(s.148.7),andcoverageunderadriver\u8223?spolicy(s.51).The\up0\expndtw-9\charscalex93aboveinformationisfromtheCLE.\par\pard\qj\li3601\ri1220\sb192\sl-230\slmult0\up0\expndtw-8\charscalex97Anoptionalinsurance

contract(OIC)isacontractofvehicleinsuranceotherthanvehicle\line\up0\expndtw-8\charscalex100insuranceprovidedundertheplanofuniversalcompulsoryvehicleinsurance.OICsare\line\up0\expndtw-8\charscalex100governedbyPart4ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20andPart13ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20.ThetermOICincludes,butisnot\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb110\sl-230\slmult0\up0\expndtw-9\charscalex9012-2\par\pard\sect\sectd\fs24\paperw12240\paperh15840{\shp{\*\shpinst\shpleft3601\shptop2794\shpright3783\shpbottom3038\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz89\shplid7{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\jpegblip

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0101010101010101010000000000000102030405060708090a0bffc400b51100020102040403040705040400010277000102031104052131061241510761711322328108144291a1b1c109233352f0156272d10a162434e125f11718191a262728292a35363738393a434445464748494a535455565758595a636465666768696a737475767778797a82838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae2e3e4e5e6e7e8e9eaf2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}{\shp{\*\shpinst\shpleft3601\shptop3274\shpright3783\shpbottom3518\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz117\shplid8{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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

5a636465666768696a737475767778797a82838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae2e3e4e5e6e7e8e9eaf2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}{\shp{\*\shpinst\shpleft3601\shptop3754\shpright3783\shpbottom3998\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz151\shplid9{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\jpegblipffd8ffe000104a46494600010100000100010000ffdb00430001010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101ffdb00430101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101ffc00011080002000203012200021101031101ffc4001f00000105010101010101000000000000000001

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{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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}}}}}{\shp{\*\shpinst\shpleft3601\shptop6971\shpright3783\shpbottom7215\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz283\shplid11{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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f2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}{\shp{\*\shpinst\shpleft3601\shptop8383\shpright3783\shpbottom8627\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz359\shplid13{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\jpegblipffd8ffe000104a46494600010100000100010000ffdb00430001010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101ffdb00430101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101ffc0

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}}}}}{\shp{\*\shpinst\shpleft3601\shptop8863\shpright3783\shpbottom9107\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz387\shplid14{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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}}}}}{\shp{\*\shpinst\shpleft3601\shptop10020\shpright3783\shpbottom10264\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz465\shplid15{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}

{\sp{\snpib}{\sv{\pict\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

6272d10a162434e125f11718191a262728292a35363738393a434445464748494a535455565758595a636465666768696a737475767778797a82838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae2e3e4e5e6e7e8e9eaf2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}{\shp{\*\shpinst\shpleft3601\shptop10726\shpright3783\shpbottom10970\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz529\shplid16{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\jpegblipffd8ffe000104a46494600010100000100010000ffdb004300010101010101010101010101010101

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}}}}}\pard\sb0\sl-240{\bkmkstartPg7}{\bkmkendPg7}\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\ri1217\sb78\sl-220\slmult0\up0\expndtw-8\charscalex93\ul0\nosupersub\cf2\f3\fs20limitedto,excessthirdpartyliability,ownvehicledamage,excessUMP,andexcessno-fault\up0\expndtw-9\charscalex93incomereplacement.\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\ri1357\sb20\sl-220\slmult0\up0\expndtw-8\charscalex94The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20s.61(1.1)providesthatanOICthatextendsc

overageinanexistingcertificateor\up0\expndtw-9\charscalex94policymay:\par\pard\qj\li3961\ri1610\sb46\sl-480\slmult0\up0\expndtw-8\charscalex93prohibitaspecifiedpersonorclassofpersonsfromusingoroperatingthevehicle;\up0\expndtw-9\charscalex93excludecoverageforaspecifiedrisk;or\par\pard\qj\li3961\ri1228\sb199\sl-240\slmult0\up0\expndtw-8\charscalex95providedifferentlimitsofcoveragefordifferentpersonsorrisksorclassesofpersons\line\up0\expndtw-9\charscalex92orrisks.\par\pard\qj\li3601\ri1223\sb212\sl-226\slmult0\up0\expndtw-8\charscalex95Theaboveprohibition,exclusion,andlimitarenotbindingontheinsuredunlessthepolicy\up0\expndtw-5\charscalex100hasprintedonitisaprominentplaceinconspicuousletteringthewords\u8220?Thispolicy\up0\expndtw-8\charscalex95containsprohibitionsrelatingtopersonsorclassesorpersons,exclusionsorrisksorlimits\up0\expndtw-9\charscalex92ofcoveragethatarenotintheinsuranceitextends\u8221?(s.61(2

)).\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\ri1975\sb19\sl-220\slmult0\up0\expndtw-8\charscalex96The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20s.61(1.2)providesthatanOICmaynot,inrespectofthirdpartyliability\up0\expndtw-9\charscalex88insurancecoverage:\par\pard\qj\li3961\sb0\sl-220\slmult0\par\pard\qj\li3961\ri1229\sb40\sl-220\slmult0\up0\expndtw-8\charscalex96prohibitapersonwhoislivingwithandasamemberofthefamilyoftheownerofthe\up0\expndtw-9\charscalex93vehiclefromusingoroperatingthevehicle;or\par\pard\ql\li3961\sb0\sl-230\slmult0\par\pard\ql\li3961\sb22\sl-230\slmult0\up0\expndtw-9\charscalex94excludeorprovidedifferentlimitsofcoverageforthatperson.\par\pard\ql\li3601\ri2098\sb24\sl-480\slmult0\tx3961\up0\expndtw-8\charscalex95InanOIC,aninsurermayprovideforexclusionsandlimitsoflossinrespectof:\line\tab\up0\expndtw-9\charscalex92lossofthevehicle;\par\pard\qj\li3961\ri6070\sb0\sl-480\slmul

t0\up0\expndtw-9\charscalex91damagetothevehicle;or\line\up0\expndtw-9\charscalex92lossofuseofthevehicle.\par\pard\qj\li3601\ri1549\sb159\sl-240\slmult0\up0\expndtw-8\charscalex95Despiteanyprovisionofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20of\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20,aninsurerisnotliabletoaninsuredunderan\up0\expndtw-8\charscalex94OICforlossordamageincircumstancesspecifiedintheowner\u8223?spolicyif:\par\pard\qj\li3961\sb0\sl-220\slmult0\par\pard\qj\li3961\ri1575\sb37\sl-220\slmult0\up0\expndtw-8\charscalex95theOICrelatestoavehiclethatisnotrequiredunderthe\ul0\nosupersub\cf15\f16\fs20\ulMotorVehicleAct\ul0\nosupersub\cf2\f3\fs20tobe\up0\expndtw-9\ch

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arscalex91licensedandinsured(\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20,s.61(7)(a)),and\par\pard\qj\li3961\sb0\sl-220\slmult0\par\pard\qj\li3961\ri1658\sb40\sl-220\slmult0\up0\expndtw-8\charscalex93theowner\u8223?spolicyisendorsedwithastatementthattheinsurerisnotliabletothe\up0\expndtw-9\charscalex91insuredforlossordamageinthosecircumstances(61(7)(b)).\par\pard\li2881\sb247\sl-276\slmult0\fi0\tx3601\up0\expndtw-11\charscalex90\ul0\nosupersub\cf10\f11\fs242.\tab\up0\expndtw-11\charscalex94Forfeiture\par\pard\li2881\sb0\sl-230\slmult0\par\pard\li2881\sb55\sl-230\slmult0\fi720\up0\expndtw-9\charscalex95\ul0\nosupersub\cf2\f3\fs20The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20s.75providesthataclaimisforfeitedif:\par\pard\li2881\sb221\sl-230\slmult0\fi720\up0\expndtw-9\charscalex95a)theapplicantforcoverageundertheplanortheOIC\par\pard\li2881\sb222\sl-230\slmult0\fi1171\tx4321\up0\expndtw-2\charscalex100i.\tab\up0\expndtw-8\charscalex93falselydescribesthevehicleinrespectofwhichtheapplicationismade,or\par\pard\li2881\sb1\sl-225\slmult0\fi1123\tx4321\up0\expndtw-6\charscalex100ii.\tab\up0\expndtw-8\charscalex94knowinglymisrepresentsorfailstodiscloseintheapplicationafactrequiredtobe\par\pard\li2881\sb0\sl-225\slmult0\fi1622\up0\expndtw-9\charscalex92statedinit;\par\pard\ql\li3601\sb0\sl-220\slmult0\par\pard\ql\li3601\ri1251\sb10\sl-220\slmult0\tx3961\up0\expndtw-8\charscalex96b)theinsuredviolatesatermorconditionoforcommitsafraudinrelationtotheplanor\line\tab\up0\expndtw-9\charscalex93theoptionalinsurancecontract;or\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb212\sl-230\slmult0\up0\expndtw-9\charscalex9012-3\par\pard\sect\sectd\fs24\paperw12240\pap

erh15840\pard\sb0\sl-240{\bkmkstartPg8}{\bkmkendPg8}\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb19\sl-230\slmult0\up0\expndtw-8\charscalex94\ul0\nosupersub\cf2\f3\fs20c)theinsuredmakesawilfullyfalsestatementwithrespecttotheclaim.\par\pard\li2881\sb0\sl-230\slmult0\par\pard\li2881\sb4\sl-230\slmult0\fi0\tx4321\up0\expndtw-9\charscalex95\ul0\nosupersub\cf3\f4\fs20NOTE:\tab\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20Theabovesectionisatransferfromtheformers.19(1)ofthe\ul0\nosupersub\cf15\f16\fs20\ulIA\ul0\nosupersub\cf2\f3\fs20.Significant\par\pard\ql\li4321\ri1318\sb0\sl-226\slmult0\up0\expndtw-8\charscalex93rephrasingincludes:i)thesectionnolongerreferstoanapplicantforadriver\u8223?s\up0\expndtw-8\charscalex96certificate,ii)ithasdeletedforfeitureforfraudinrespectoftheAct,

iii)With\up0\expndtw-8\charscalex94respecttowilfullyfalsestatements,theymustnowbe\u8220?withrespecttotheclaim\u8221?,\up0\expndtw-9\charscalex94whereaspreviouslytheyhadtobe\u8220?withrespecttoaclaim\u8221?.\par\pard\qj\li3601\ri1218\sb201\sl-230\slmult0\up0\expndtw-7\charscalex100TheInsuranceCorporationofBritishColumbia(ICBC,or\u8220?theCorporation\u8221?)(oracourt\up0\expndtw-8\charscalex97inthecaseofOICs)mayrelieveapersonfromforfeitureofalloranyinsurancemoneyif\up0\expndtw-9\charscalex93theforfeiturewouldappearinequitable.\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\ri1219\sb19\sl-220\slmult0\up0\expndtw-8\charscalex97TheCorporationisobligedtorelieveaninsuredpersonfromtheforfeitureofthebenefits\up0\expndtw-6\charscalex100itconsidersequitableiftheinsuredpersondiesorsuffersphysicalormentaldisability\up0\expndtw-8\charscalex95renderinghimorherpermanentlyincapableofworkingforaliving(\ul0\nos

upersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20,s.19(3)).\par\pard\li2881\sb245\sl-276\slmult0\fi0\tx3601\up0\expndtw-11\charscalex97\ul0\nosupersub\cf10\f11\fs243.\tab\up0\expndtw-11\charscalex97LimitationPeriod(ThirdPartyRights)\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb41\sl-230\slmult0\up0\expndtw-9\charscalex100\ul0\nosupersub\cf2\f3\fs20ThefollowingisfromtheCLE:\par\pard\qj\li4321\sb0\sl-226\slmult0\par\pard\qj\li4321\ri1943\sb8\sl-226\slmult0\up0\expndtw-8\charscalex95Section76(7)containsanewstatutorylimitationperiodforaclaimantto\up0\expndtw-8\charscalex98suethetortfeasor\u8223?sinsurerunders.76(3).Thelimitationperiodisone\up0\expndtw-6\charscalex100yearfromthefinaldeterminationof

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theactionagainstthe\up0\expndtw-9\charscalex93insured/tortfeasor,includingappealsifany.\par\pard\li2881\sb236\sl-276\slmult0\fi0\tx3601\up0\expndtw-11\charscalex96\ul0\nosupersub\cf10\f11\fs244.\tab\up0\expndtw-11\charscalex96Mid-termChanges\par\pard\qj\li3601\sb0\sl-226\slmult0\par\pard\qj\li3601\ri1218\sb57\sl-226\slmult0\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20Ifthereisamid-termchangetotheterritoryinwhichthevehicleisprimarilylocatedwhen\up0\expndtw-8\charscalex97itisnotinuse,theinsurednamedontheowner\u8223?scertificatemustreportthechangetoa\up0\expndtw-8\charscalex95personappointedasagentoftheCorporationwithin30daysofthechange.Undertheold\up0\expndtw-8\charscalex93provisions,noticecouldbegivenwithin60daysafterthechange(IVR,s.9).\par\pard\li2881\sb235\sl-276\slmult0\fi0\tx3601\up0\expndtw-11\charscalex95\ul0\nosupersub\cf10\f11\fs245.\tab\up0\expndtw-11\charscalex95Indemnity(Driver\u8217?sCertificates)\par\pard\ql\li3601\sb0\sl-230\slmult0\par\pard\ql\li3601\sb50\sl-230\slmult0\up0\expndtw-9\charscalex96\ul0\nosupersub\cf2\f3\fs20ThefollowingexurbisfromtheCLE:\par\pard\qj\li4321\ri1938\sb214\sl-226\slmult0\up0\expndtw-9\charscalex100Thescopeofcoverageunderadriver\u8223?scertificatehasbeennarrowed\line\up0\expndtw-9\charscalex95under\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20,s.49(1).UndertheRevisedRegulationtherewasindemnity\line\up0\expndtw-3\charscalex100foraninsuredforliabilityarisingoutoftheuseoroperationbythe\line\up0\expndtw-8\charscalex94insuredofavehicle\u8220?notdescribedinanowner\u8223?scertificateissuedtothe\line\up0\expndtw-6\charscalex100insuredortoamemberoftheinsured\u8223?shousehold\u8221?.Underthenew\line\up0\expndtw-6\charscalex100Regu

lation,thereisindemnityforaninsuredforliabilityarisingoutof\line\up0\expndtw-8\charscalex95theuseoroperationbytheinsuredofavehicle\u8220?notownedorleasedby\line\up0\expndtw-8\charscalex95theinsuredorbyamemberoftheinsured\u8223?shousehold.\u8221?Inotherwords,\line\up0\expndtw-9\charscalex95formerly,thethresholdquestioninvolvedwhethertherewasanowner\u8223?s\line\up0\expndtw-2\charscalex100certificateissuedtothevehicleinvolvedintheaccident.Nowthe\line\up0\expndtw-7\charscalex100thresholdquestiondoesnotinvolveinsuranceatallbutownershipor\line\up0\expndtw-2\charscalex100leasingofthevehicleinvolvedintheaccidentbytheinsuredora\line\up0\expndtw-9\charscalex91householdmember.\par\pard\li2881\sb262\sl-276\slmult0\fi0\tx3601\up0\expndtw-7\charscalex100\ul0\nosupersub\cf10\f11\fs246.\tab\up0\expndtw-7\charscalex100\ul0\nosupersub\cf12\f13\fs24Application\ul0\nosupersub\cf10\f11\fs24ofLaw\par\pard\qj\li3601\sb0\sl-230\s

lmult0\par\pard\qj\li3601\ri1939\sb43\sl-230\slmult0\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20areapplicabletobothICBCandprivateinsurers.Undertheold\line\up0\expndtw-6\charscalex100regime,the\ul0\nosupersub\cf15\f16\fs20\ulIA\ul0\nosupersub\cf2\f3\fs20andRevisedRegulationwereonlyapplicabletoICBC.Private\line\up0\expndtw-8\charscalex95insurerswereregulatedbyPart6ofthe\ul0\nosupersub\cf15\f16\fs20\ulInsuranceAct\ul0\nosupersub\cf2\f3\fs20.Itisimportanttonotethat\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb110\sl-230\slmult0\up0\expndtw-9\charscalex9012-4\par\pard\sect\sectd\fs24\paperw12240\paperh15840{\shp{\*\shpinst\shpleft2160\shptop13151\shpright2342\shpbottom13395\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz816\shplid19

{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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}}}}}{\shp{\*\shpinst\shpleft2160\shptop13631\shpright2342\shpbottom13875\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz852\shplid20{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\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

0101010101010101010000000000000102030405060708090a0bffc400b51100020102040403040705040400010277000102031104052131061241510761711322328108144291a1b1c109233352f0156272d10a162434e125f11718191a262728292a35363738393a434445464748494a535455565758595a636465666768696a737475767778797a82838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae2e3e4e5e6e7e8e9eaf2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}{\shp{\*\shpinst\shpleft2160\shptop14111\shpright2342\shpbottom14355\shpbxpage\shpbypage\shpwr3\shpfblwtxt1\shpz880\shplid21{\sp{\snshapeType}{\sv75}}{\sp{\snfBehindDocument}{\sv1}}{\sp{\snpib}{\sv{\pict\jpegblipffd8ffe000104a46494600010100000100010000ffdb00430001010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101

010101010101010101ffdb00430101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101010101ffc00011080002000203012200021101031101ffc4001f0000010501010101010100000000000000000102030405060708090a0bffc400b5100002010303020403050504040000017d01020300041105122131410613516107227114328191a1082342b1c11552d1f02433627282090a161718191a25262728292a3435363738393a434445464748494a535455565758595a636465666768696a737475767778797a838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae1e2e3e4e5e6e7e8e9eaf1f2f3f4f5f6f7f8f9faffc4001f0100030101010101010101010000000000000102030405060708090a0bffc400b51100020102040403040705040400010277000102031104052131061241510761711322328108144291a1b1c109233352f0156272d10a162434e125f11718191a262728292a35363738393a434445464748494a535455565758595a636465666768696a737475767778797a82838485868788898a92939495969798999aa2a3a4a5a6a7a8a9aab2b3b4b5b6b7b8b9bac2c3c4c5c6c7c8c9cad2d3d4d5d6d7d8d9dae2e3e4e5e6e7e8e9ea

f2f3f4f5f6f7f8f9faffda000c03010002110311003f00ff003ffa28a2803fffd9}}}}}\pard\sb0\sl-240{\bkmkstartPg9}{\bkmkendPg9}\par\pard\qj\li3601\sb0\sl-228\slmult0\par\pard\qj\li3601\sb0\sl-228\slmult0\par\pard\qj\li3601\sb0\sl-228\slmult0\par\pard\qj\li3601\sb0\sl-228\slmult0\par\pard\qj\li3601\sb0\sl-228\slmult0\par\pard\qj\li3601\ri1939\sb31\sl-228\slmult0\up0\expndtw-8\charscalex95\ul0\nosupersub\cf2\f3\fs20althoughthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20coverbothICBCandprivateinsurerplans,someparts\line\up0\expndtw-8\charscalex96oftheActandRegulationapplyonlytooneortheother.Specifically,thepartsof\line\up0\expndtw-8\charscalex94theActandRegula

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tionthatgovernICBCareParts1,2,3,5,and6oftheActand\line\up0\expndtw-8\charscalex93Parts1,2,3,4,5,6,7,8,10,11,12,and14oftheRegulation.ThepartsoftheAct\line\up0\expndtw-8\charscalex96andRegulationthatgovernPoliciesareParts4,5,and6oftheActandParts13\line\up0\expndtw-9\charscalex92and14oftheRegulation.\par\pard\qj\li3601\ri1940\sb214\sl-226\slmult0\up0\expndtw-7\charscalex100Furthermore,the\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20and\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20applytobothmandatorycoverageandoptional\up0\expndtw-8\charscalex93coverage.Part1ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20appliestoICBC\u8223?smandatorycoverageonly.Thereare\up0\expndtw-6\charscalex100noParts2or3inthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20.Part4ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20appliestoOIC\u8223?s.Parts5and6of\up0\expndtw-9\charscalex93theIVAapplytobothmandatorycoverageandOIC\u8223?s.\par\pard\li2881\sb266\sl-276\slmult0\fi0\tx3601\up0\expndtw-9\charscalex100\ul0\nosupersub\cf10\f11\fs247.\tab\up0\expndtw-9\charscalex100\ul0\nosupersub\cf12\f13\fs24Reporting\ul0\nosupersub\cf10\f11\fs24toInsurer\par\pard\qj\li3601\sb0\sl-225\slmult0\par\pard\qj\li3601\ri1939\sb49\sl-225\slmult0\up0\expndtw-8\charscalex96\ul0\nosupersub\cf2\f3\fs20Ss.27to29ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20respectivelyrequirethataccident,medical,andemployer\line\up0\expndtw-8\charscalex94reportsbeprovided\u8220?assoonasreasonablypracticable\u8221?.Previously,undertheIA,\line\up0\expndtw-6\charscalex100afterarequestbyICBC,anaccidentreportwasrequired\u8220?within24hours\u8221?,a\line

\up0\expndtw-8\charscalex96medicalreportwasrequired\u8220?immediately\u8221?,andanemployerreportwasrequired\line\up0\expndtw-9\charscalex96\u8220?withoutdelay\u8221?.\par\pard\li2881\sb251\sl-276\slmult0\fi0\tx3601\up0\expndtw-11\charscalex96\ul0\nosupersub\cf10\f11\fs248.\tab\up0\expndtw-11\charscalex96LimitationPeriodforNoFaultBenefits\par\pard\qj\li3601\sb0\sl-220\slmult0\par\pard\qj\li3601\ri1943\sb73\sl-220\slmult0\up0\expndtw-8\charscalex95\ul0\nosupersub\cf2\f3\fs20S.103ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20setsoutthelimitationperiodforbringinganactioninrespectto\line\up0\expndtw-8\charscalex94nofaultbenefitsagainstICBC.Thesectionstipulatesa2yearperiodstartingfrom\par\pard\qj\li3601\ri1941\sb0\sl-226\slmult0\up0\expndtw-8\charscalex1003possiblepointsintime:1)Thedateoftheaccidentforwhichthebenefitsare\line\up0\expndtw-8\charscalex93claimed,2)wherebenefitshavebeenreceived,thedatetheclaim

antlastreceived\line\up0\expndtw-7\charscalex100benefits,3)ifnopaymenthasbeenmade,thedateonwhichICBCreceivesa\line\up0\expndtw-8\charscalex96noticeofaclaimant\u8223?sintentiontobringanaction.Thenoticemustbeintheform\line\up0\expndtw-8\charscalex95establishedbythecorporationandsentbyregisteredmailaddressedtotheclaim\line\up0\expndtw-7\charscalex100officedealingwiththeinsured\u8223?sclaim.Thisthirdpossibletimeperiodwasnot\line\up0\expndtw-9\charscalex93availableunderthe\ul0\nosupersub\cf15\f16\fs20\ulIA\ul0\nosupersub\cf2\f3\fs20.\par\pard\ql\li1440\sb231\sl-322\slmult0\tx2161\up0\expndtw0\charscalex106\ul0\nosupersub\cf1\f2\fs27IV.\tab\up0\expndtw-6\charscalex100BASICCOMPULSORYAUTOPLANCOVERAGE\par\pard\qj\li2161\sb0\sl-226\slmult0\par\pard\qj\li2161\ri1217\sb52\sl-226\slmult0\up0\expndtw-5\charscalex100\ul0\nosupersub\cf2\f3\fs20The\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20makestheCorporationthesole

automobileinsurerinB.C.ofbasicinsuranceforvehiclesnot\up0\expndtw-7\charscalex100exemptfromthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20.Exemptvehiclesaredescribedinss.43-44ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20andalsoins.2ofthe\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20.\up0\expndtw-7\charscalex100Formostvehiclesowned,leasedoroperatedinB.C.,thirdpartyliabilitycoverageupto$200,000isonly\up0\expndtw-8\charscalex95availablefromICBC.Fullcoverageforexemptvehicles,extendedcoverageinexcessofthebasiccoverage\up0\expndtw-8\charscalex100(thirdpartyliabilityinsuranceover$200,000,\ul0\nosupersub\cf15\f16\fs20\ulIVR\ul0\nosupersub\cf2\f3\fs20,s.

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67),andcollision(\u8220?owndamage\u8221?)insurancemaybe\up0\expndtw-8\charscalex94purchasedfromprivateinsurers.Notethatprivateinsurersmayhavetheirownrequirementforcoveragethat\up0\expndtw-9\charscalex94maybeaboveandbeyondtherequirementsofICBC.\par\pard\qj\li2161\ri1217\sb214\sl-226\slmult0\up0\expndtw-6\charscalex100VehicleslicensedinBritishColumbiaarerequiredbylawtocarrybasiccompulsorycoverage,whichis\line\up0\expndtw-8\charscalex94evidencedbyacertificateofautomobileinsuranceissuedunderthe\ul0\nosupersub\cf15\f16\fs20\ulIVA\ul0\nosupersub\cf2\f3\fs20tosomeonelicensedunderthe\ul0\nosupersub\cf15\f16\fs20\ulMVA\line\up0\expndtw-7\charscalex100\ul0\nosupersub\cf2\f3\fs20(i.e.the\u8220?insured\u8221?).Thedefinitionsof\u8220?insured\u8221?arefoundatthebeginningofeachpartofthe\ul0\nosupersub\cf15\f16\fs20\ulRegulations\line\up0\expndtw-9\charscalex90\ul0\nosupersub\cf2\f3\fs20whereapplicable.\par\pard\qj\li2161\sb0\sl-220\slmult0\par\pard\qj\li2161\ri1217\sb19\sl-220\slmult0\up0\expndtw-8\charscalex95Subjecttovariouslimitationsandexclusions,basiccompulsorycoverageissetoutinthe\ul0\nosupersub\cf15\f16\fs20\ulIARegulations\ul0\nosupersub\cf2\f3\fs20and\line\up0\expndtw-9\charscalex92provides:\par\pard\qj\li2521\ri6969\sb46\sl-480\slmult0\up0\expndtw-9\charscalex94thirdpartylegalliability(Part6);\up0\expndtw-9\charscalex91accidentbenefits(Part7);\par\pard\ql\li2521\sb207\sl-230\slmult0\up0\expndtw-9\charscalex94uninsuredorunidentifiedmotorists(Part8).\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb0\sl-230\slmult0\par\pard\ql\li5944\sb110\sl-230\slmult0\up0\expndtw-9\charscalex9012-5\par\pard\sect\sectd\fs24\paperw12240\paperh15840{\shp{\*\shpinst\shpleft2160\shptop1665\shpright2342\shpbottom1909\shpbxpage\shpbypage

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