Breach of Insurance

People are often tempted to try and save money on their insurance premiums by reporting the “principal operator” as the person in the household with the best driving record, instead of the person who will actually be driving the car the most. Another common situation is stating the vehicle will not regularly be driven to work when, in fact, it is used almost daily for this purpose. Although this may seem like a good way to save money, there can be serious consequences if you are in breach of insurance.

Often, this is done with the belief that ICBC will never know whether they regularly drive to work or not. However, if you are in an accident, ICBC can investigate your situation and see if you have any alternative means of transport. They have been known to speak to coworkers, supervisors, friends and family to determine if you have been using your car contrary to what you represented when you obtained insurance.

If you are in breach of insurance, then ICBC can take a number of steps against you, especially if you have caused or contributed to a motor vehicle accident. If another person is badly injured, and ICBC pays them out on a claim, they can later sue you to reimburse them for that payment. For serious injuries, this may be hundreds of thousands of dollars. They can also refuse to renew your insurance or driver’s licence until you pay them the amount they are demanding, and they can pursue your other assets, including your house or savings accounts.

If you have been injured in a motor vehicle accident and may be in breach of insurance, it is important to speak with an experienced ICBC lawyer. John Mickelson Law Corporation can help you acquire financial assistance and medical treatment. Our personal injury lawyers in Vancouver and Surrey have the experience needed to protect yourself and maximize your claim. Call us at (604) 684-0040.


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