The second letter
ICBC’s method is to send two letters when they intend to find a person in breach of their insurance conditions. The first letter is written and structured in such a way to suggest that it is a form letter, pounded off by a computer without much attention put to it by a human being. The second letter is intended to look more as though the issues have been thoroughly considered by ICBC.
The second letter is designed to look more considered. The intention is to suggest that ICBC has now looked closely at the file and made a determination that you are in breach of your insurance conditions. The letter looks something like this:
1234 72nd B Ave
Surrey BC V6W 1X7
Re: Claim Number: P999911-9
Date of Accident: February 26, 2015
License Plate: NOAA4ME
Location: 132 Street and 84 Ave Surrey, BC
Enclosed are copies of our previous letter(s) to you regarding this accident. Our investigation indicates that you are 100% responsible for this accident.
Your insurance is a contract between you and ICBC. If you break any terms of that contract, you are in breach of that contract. This means that:
• ICBC may not pay for any claims you have;
• You will be required to repay ICBC for all claims made against you; and
• ICBC will not provide a lawyer for you if legal action is started against you.
Our investigation is now complete and shows that you were operating your vehicle while under the influence of alcohol or drugs and were incapable of proper control of your vehicle at the time of the accident; consequently, you are in breach of your insurance coverage.
To date, no claim payments have been made but there are claims outstanding. Also, people have up to two years to start a legal action, so ICBC may not yet have been advised of all claims from this accident. We will let you know the total amount you owe when the claim is fully paid.
Please call me if you have any questions regarding this letter.
INSURANCE CORPORATION OF BRITISH COLUMBIA
Telephone: (604) 590-9999