The Unintended Race-Based Consequences of ICBC’s Insurance Changes
Last year, changes came into effect with ICBC policies that now require a vehicle owner to list on the insurance policy the other individuals who will drive the vehicle. As most British Columbians are now aware, your insurance rates are directly impacted by the insurance history of the other people that you list.
But the flip side of this is that if you loan your vehicle to someone not listed on the policy, you may be in a situation where the vehicle is uninsured as your coverage will not extend to the unlisted drivers. There are exceptions to this rule, but that can be the case.
The consequence of this is not just that you have to pay more for your insurance. Rather, this gives the police greater authority to conduct arbitrary traffic stops of vehicles. Which also gives the police greater authority to target and harass people of colour.
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