It's almost impossible to walk without a car in Canada, and if you have a car, you have to deal with ICBC frequently. Many residents have noticed that in recent years, ICBC premiums have often risen year after year, but ICBC has been complaining that it has lost a lot of money...
What's going on here? It turns out that this has a lot to do with some residents maliciously cheating insurance!
Recently, some netizens broke the news on social media, saying that they had just immigrated to Canada in 2020, experienced a car accident, reported that ICBC had also settled the claim, and as a result, two years later, they were claimed by the other party to the car accident for 2.2 million knives!
According to Ming Pao, a new immigrant named W accidentally crashed into a Toyota car driven by a Chinese while turning left at an intersection in early 2020.
The accident caused the opponent's front bumper to break and the hood to flip. W said he "did not shirk any responsibility", immediately reported to ICBC, and "everything was handled according to procedure".
In 2022, W believes that two years ago, things should have been resolved long ago, but recently inexplicably received an indictment from the other side's Chinese car owner, and the lion opened his mouth and claimed 2.2 million knives.
W said: "I was momentarily confused, I thought the insurance company had handled the matter properly, but I did not expect to become a defendant for the first time in my life, and it was a sky-high compensation." ”
Confused, W had to go online for help, listened to the suggestions of netizens and contacted ICC; then he was told that he was likely to encounter a malicious insurance fraud incident!
Because in fact, in the past two years, the insurance company has already compensated the Chinese car owner, which should be borne by the insurance company's lawyer; and the general compensation amount will not exceed the 1 million knives capped by the third-party liability insurance.
Diagram
W also revealed that sky-high claims such as 1 million knives only apply to cases of heavy casualties, and the applicant is required to prove that the injury is related to the car accident, and also needs the doctor's proof, but in fact, the chinese car owner of the other party is only slightly injured, and the claim of 2.2 million is even more unreasonable.
W also said that there are three pages in the indictment of the other car owner that he was seriously injured in that car accident: muscle tears in various parts of the body, pain, inability to take care of himself, loss of interest in life, dizziness and nausea, depression, mental weakness, lifelong medication, lifelong X-ray examination...
He tried to add fuel to the fire, saying how great and serious the mental and physical injuries he had suffered, and falsely accusing W of drinking alcohol and taking drugs before speeding up to cause a car accident, which made W cry and laugh.
As soon as W's post was posted, many netizens left messages, and W was surprised to find that he was not the only one who encountered this kind of thing!
Netizen A also said that he was also in 2020 due to ice slippage, low-speed collision with another Chinese owner's car, after reporting to ICBC, the amount of compensation for both parties has long been awarded; but also shortly after entering 2022, suddenly fell from the sky to sue, but also the other side of the Chinese owner to A claim 2.2 million knives.
In fact, in recent years, this kind of bad insurance fraud has occurred frequently.
In August 2019, a bus running during the peak period was suddenly blocked by a car, the driver immediately braked sharply to stop, and a car behind it hit the bus because of too much inertia, without causing substantial harm to the passengers;
But Jane Doe, a passenger on the bus, said her life had changed dramatically because of the accident, not only with severe sleep problems, but also with worsening physical pain, which also caused her to lose her part-time job as a fitness instructor.
The woman in the red circle is Jane Doe
A spokesperson for the ICBC said that to show that her situation was true, Doe also provided them with receipts for physical therapy, and the ICBC also reimbursed her for all the treatment costs based on the amount on the list.
ICBC Spokesperson
However, after the incident, ICBC went to check the photos of the accident and found that no passengers were injured;
And when further investigation, it was found that Ms. Jane Doe had frequently posted photos of herself exercising and traveling on social networking sites when "physical pain worsened and sleep problems were serious";
Even 14 hours after the accident, he participated in a half marathon (21.0975 km) and ran in less than 2 hours, which is a very fast speed.
Obviously, Ms. Doe's behavior is completely malicious fraud!
So doe then had to pay back all the reimbursements ICC had paid her, about 8,000 knives, plus a fine of 2,250 knives and an additional fee of 337.5.
The ICBC said it costs more than $600 million a year to investigate these claims, and the increased costs are passed on to customers, so it's no wonder that premiums go up and down and they lose money.
I sincerely hope that these people who hope to make a fortune by blackmailing ICBC to make a fortune will stop, after all, it is we who suffer in the end...