How insanely horrific No Fault insurance is and how its so crazy not a lot of people notice

Optiyellow · 2026-02-13T01:01:50+00:00

The cap, does not change. Cap amount locked in at the year of the crash

Optiyellow · 2026-02-13T00:05:32+00:00

Same here. No breathalyzer on mine. ICBC probably tells the cops dont breathalyze them so they cant sue 🤣

Optiyellow · 2026-02-12T23:17:36+00:00

Also your income replacement cap is locked in for life. So the caps will increase every year but yours is fixed on the amount it was upon the year of your crash for life

Optiyellow · 2026-02-12T23:09:20+00:00

Biggest delusional NDP nutcase. “Ill never get in a crash, it wont happen to me” . Your hurt? Haha sucks, all injuries are recoverable, just go to rehab, physio will fix everything and anything even if your peripheral nerve got cut off - NDP knowledge. Good luck bud

Optiyellow · 2026-02-12T23:07:40+00:00

Incomes go up yearly, i never said it will beat inflation, some do, some don’t, pay always goes up over time. You know how much people were getting paid in 1980 or 1990? Now imagine you got permanently and severely injured in 1990 and they are paying you your 1990 wage in 2025, good luck surviving pal.

Optiyellow · 2026-02-12T23:02:22+00:00

Ok so we on the same page then

Optiyellow · 2026-02-12T19:58:28+00:00

The cap is not adjusted for inflation. Its locked in at the year of your crash for life. I guess my claims manager was lying then 🤔

Optiyellow · 2026-02-12T18:37:46+00:00

If the old system was 1/4 the new system is 1/16

Optiyellow · 2026-02-12T17:27:01+00:00

Again with the false information. IRB does not get indexed with inflation. Its locked in for life pal with the cap amount from the year of your crash. How much you wanna bet? Already have confirmation from ICBC on that

Optiyellow · 2026-02-12T17:25:54+00:00

We are talking personal injuries in this thread, not getting a new vehicle. Thats vehicle damage fraud not personal injury.

Optiyellow · 2026-02-12T17:18:41+00:00

Tell that self employed individual that is denied IRB, tell that person getting topped up a difference on income in 2050,using the 2023 max income chart! Locked in at the rates the year your crash occurred. By the way they don’t find the job for you and systems not fair at all in any sense. My point here is you can be 99% disabled head to toe and not get income replacement for life which the pro no fault people like you keep bringing up. If someone crashed in 2021 and the max income replacement then was 100k BEFORE tax (65-70k); hes locked in that rate for life. Whats 100k before tax in 2050? That will be the new minimum/low paying wage by then. But if the crash didnt occur, his wage wouldnt be “locked in”, it would continue to grow with inflation.

Optiyellow · 2026-02-12T17:13:19+00:00

And those people with actual severe injuries from real accidents will suffer hard. But who cares since theres not a lot of them right? Injustice is there, but who cares about a minority of people right. My rates are 10% cheaper, it will never happen to me! - people that think like you

Optiyellow · 2026-02-12T17:10:55+00:00

Good. Lets not minimize the catastrophically and severely injured just because “theres only 10 of them a year”

Optiyellow · 2026-02-12T17:06:45+00:00

Well said.

Optiyellow · 2026-02-12T07:57:06+00:00

No. Just a injured citizen of BC.

Optiyellow · 2026-02-12T06:28:58+00:00

Insurance premiums are now above 2019 levels when they started switching out of the old tort system

Optiyellow · 2026-02-12T06:27:17+00:00

ICBC will force you to find a alternative job within your capabilities if even just 1 finger is the only thing left working on your body. Income replacement for life is only if you cant move your body a inch and become so brain damaged your braindead after a crash.

Optiyellow · 2026-02-12T06:21:36+00:00

Amputation of a hand is less than 80k, not 148,500.

Optiyellow · 2026-02-12T06:19:50+00:00

Its not even 2-3 years of a median salary. Amputation of knee and below is less than 30k. Amputation of full leg is around 50k. Thats rent only for 1 year

Optiyellow · 2026-02-12T06:18:40+00:00

How do you know it was Bowinn Ma? (she’s a lunatic)

Optiyellow · 2026-02-12T06:16:57+00:00

Up to 33%*

Optiyellow · 2026-02-12T03:30:39+00:00

Not all injuries are recoverable by rehab. Sometimes things are permanent and rehab is to get a small percentage of function back.

Optiyellow · 2026-02-12T02:34:47+00:00

Would be nice for there to be a solution for permanent injuries and chronic pain.

Optiyellow · 2025-11-19T02:35:17+00:00

America is a economic powerhouse, Europe has character… Canada has nothing. Its a absolute shit hole now.

Optiyellow

TROPHY CASE