ICBC

Insurance Corporation of BC 2007 Rate Design Application ~ Project No. 3698448

Completed: 2007

Hearing and Other Documents

This section can include a list of all exhibits issued in the proceeding and the BCUC's final decision.

Title Document Description
* Exhibit List Updated: August 16, 2007 @ 9:04 am
* Distribution List Updated: May 24, 2007 @ 2:58 pm
* E-mail/Fax/Mail List Updated: May 24, 2007 @ 2:59 pm
G-126-07
Decision - Reasons - January 9, 2008 ICBC ~ An Application respecting Rate Design for Universal Compulsory Automobile Insurance

Arguments/Submissions

Final argument and reply argument submissions are an opportunity for interveners and the applicant to make their final argument and summarize their position.

Title Document Description
ICBC - Final Submissions - August 27 2007
Family Insurance - Final Argument - September 6, 2007
IBC - Final Argument - September 10 2007
Russel Sykes - Argument - September 10 2007
Pemberton Insurance Final Argument dated September 10, 2007
BCOAPO Amended Argument dated September 10, 2007
Canadian Direct Argument dated September 10, 2007 (Revised)
ICBC - Reply Submissions - September 20 2007

Exhibits

A Exhibits — BCUC Documents

A Exhibits are issued by the BCUC and can include panel appointment letters, procedural orders, and information requests. A2 exhibits are added to the proceeding by BCUC staff. These can include staff reports, consultant reports, or other relevant evidence filed outside of the proceeding.

Date Title Document Description
March 20, 2007 A-1 Letter dated March 19, 2007 issuing Order G-32-07 to establish Workshop and Notice of Pre-Hearing Conference to review the Rate Design Application
April 18, 2007 A-2 Letter dated April 16, 2007 issuing letter to all participants in respect to the regulatory process
April 27, 2007 A-3 Letter dated April 16, 2007 issuing letter to all participants in respect to the combining the applications and the regulatory process
May 01, 2007 A-4 Letter dated May 1, 2007 issuing Commission Information Request No. 1 to ICBC
May 11, 2007 A-5 Letter dated May 11, 2007 issuing a Commission Information Request on ICBC’s Basic Insurance Rate Schedule – Rate Class 017
May 31, 2007 A-6 Letter dated May 30, 2007 issuing Order No. G- 57-07 denying ICBC’s May 7, 2007 request to amend the weight limitations for Rate Class 017 and approving ICBC’s Basic Insurance Tariff effective June 1, 2007
June 12, 2007 A-7 Letter dated June 11, 2007 issuing Commission Information Request No. 2 to ICBC
July 09, 2007 A-8 Letter dated July 9, 2007 directing ICBC to respond to Intervenor’s amended information requests on a best efforts basis to as many of the new or revised questions relating to the proceeding (Exhibit C7-3)
July 18, 2007 A-9 Letter dated July 17, 2007 Issuing Oral Public Hearing Hours
July 18, 2007 A-10 Letter dated July 18, 2007 and Commission Information Request No. 1 to NW Insurance Brokers Ltd.
July 18, 2007 A-11 Letter dated July 18, 2007 and Commission Information Request No. 1 to Family Insurance Solutions
July 19, 2007 A-12 Letter dated July 19, 2007 establishing the location for the Oral Public Hearing and issuing a response to Intervenor’s request for a motion
July 20, 2007 A-13 Letter dated July 19, 2007 filing response to Intervenor’s request for assistance (Exhibit C9-8)
July 27, 2007 A-14 Letter dated July 26, 2007 responding to Russell Sykes’ July 20th letter (Exhibit C9-9)
July 27, 2007 A-15 Letter dated July 26, 2007 responding to Russell Sykes on the Oral Public Hearing process of hearing his Motion and comments to the July 22 letter (Exhibit C9-10)
August 01, 2007 A-16 SUBMITTED AT HEARING – Commission Staff / ICBC Cross-Examination References
August 01, 2007 A-17 SUBMITTED AT HEARING – Article, “Report: An Introduction to Credibility Theory” written by L.H. Longley-Cook, copyright Casualty Actuarial Society – used by permission
August 01, 2007 A-18 SUBMITTED AT HEARING – Article, “Credibility: Practical Applications” written and copyright by Howard Mahler – used by permission
August 01, 2007 A-19 SUBMITTED AT HEARING – Article on autoplan surcharges and basic insurance chargeable claim rated scale position guide
August 01, 2007 A-20 SUBMITTED AT HEARING – Letter L-82-06 from Commission dated December 19, 2006 responding to follow-up filings to the Commissions Decision of July 13, 2006 and the confidential filing of the Optional and Total Corporation Capital Management Plans

B Exhibits — Applicant Documents

B Exhibits are issued by the entity, person, or group that submitted the application to the BCUC (applicant). They can include the application, responses to information requests, and other evidence.

Date Title Document Description
March 29, 2007 B-1-1 Letter dated March 29, 2007 filing Insurance Corporation of British Columbia Rate Design Application respecting universal compulsory automobile insurance (Basic insurance) Volume 1
March 29, 2007 B-1-2 Letter dated March 29, 2007 filing Insurance Corporation of British Columbia Rate Design Application respecting universal compulsory automobile insurance (Basic insurance) Volume 2
March 29, 2007 B-1-3 Letter dated March 29, 2007 filing cover letter with Excel worksheets 18 D Actuarial Analysis: Plate Owner Basic Insurance Indicated Base Rate Adjustments and Appendix 18 E Actuarial Analysis: Proposed Year 1 Base Rate
April 13, 2007 B-1-4 Letter dated April 13, 2007 filing Errata to ICBC Rate Design Application, Volume I, Chapter 17.1, Driver Risk Premium
April 16, 2007 B-1-5 Letter dated April 13, 2007 filing Addendum to Volume 1, Chapter 17.1 B
April 16, 2007 B-1-6 Letter dated May 7, 2007 filing request for an amendment of its Basic Insurance Rate Schedule, for Rate Class 017, effective June 1, 2007
April 16, 2007 B-1-7 Letter dated May 11, filing Errata regarding Chapter 17.3, Appendix 18C, Appendix 18D, and Appendix 18E with revised excel worksheets for 18D Actuarial Analysis and 18E Actuarial Analysis (Exhibit B-1-3)
April 20, 2007 B-2 Letter dated April 19, 2007 filing proposed Regulatory Timetable for review of the Rate Design Application
April 24, 2007 B-3 Distributed at the Pre-Hearing Conference, filing proposed Regulatory Timetable for review of the Rate Design Application
April 25, 2007 B-4 Letter dated April 24, 2007, filing notice to file Errata on the Basic Insurance Tariff as part of the Rate Design by Monday, April 30, 2007
April 30, 2007 B-4-1 Letter dated April 30, 2007, filing Errata on the Basic Insurance Tariff in ICBC’s Rate Design Application with a description of the corrections
April 30, 2007 B-4-2 Letter dated May 28, 2007, filing additional Errata to ICBC's Basic Insurance Tariff filed on March 29, 2007 and revised as per the Errata filed on April 30, 2007 (Exhibit B-4-1)
July 17, 2007 B-4-3 Letter dated July 13, 2007 filing an Errata to ICBC’s Basic Insurance Tariff on Schedule C, Page 7, Rate Class 422
May 01, 2007 B-5 Letter dated April 30, 2007, filing Affidavits of publication of Pre-Hearing Conference Notice
May 01, 2007 B-6 Letter dated May 1, 2007 filing presentation on ICBC's Basic Insurance Rate Design and 2007 Revenue Requirements Applications presented at the BCUC public workshop on April 23, 2007
May 15, 2007 B-7 Letter dated May 15, 2007 filing response to Commission’s Information Request on Basic Insurance Rate Schedule – Rate Class 017 (Exhibit A-5)
May 16, 2007 B-7-1 Letter dated May 16, 2007 reissuing its response to the Commission’s Information Request 1.2 on Basic Insurance Rate Schedule – Rate Class 017 (Exhibit A-5)
May 25, 2007 B-8 Letter dated May 25, 2007 Reply to Intervenor Comments on Basic Insurance Tariff and Rate Class 017
June 01, 2007 B-9 Letter dated June 1, 2007 Responses to Commission Information Request No. 1 (Exhibit A-4)
June 28, 2007 B-10 Letter dated June 28, 2007 filing comments and copy of amended Information Request No. 1 to ICBC from Russell Sykes
July 10, 2007 B-11 Letter dated July 10, 2007 filing responses to Commissions' Information Request No. 2 and Intervenors’ Information Request No. 1
July 10, 2007 B-12 Letter dated July 10, 2007 filing response to BCOAPO’s Information Request No. 1 with excel worksheet on Total Basic Premium Using 2007 Interim, Indicated, and Proposed Year 1 Base Rates
July 20, 2007 B-13 Letter dated July 20, 2007, filing Witness Panels and Direct Testimony of Camille Minogue, William T. Weiland, Donnie Wing, Kellee Irwin, Harry Pylman, and David Johnston
July 20, 2007 B-14 Letter dated July 20, 2007 filing proposed changes to the Basic Insurance Tariff to Implement a Driver Risk Premium and Other Operator Premium
July 20, 2007 B-14-1 Letter dated July 26, 2007 filing Errata to the Basic Insurance Tariff to Implement a Driver Risk Premium and Other Operator Premium
July 25, 2007 B-15 Letter dated July 25, 2007 filing rebuttal evidence to Family Insurance Solutions and NW Insurance Brokers Ltd.
August 02, 2007 B-16 SUBMITTED AT HEARING – Amendment to ICBC Application regarding “Rate Reversals”
August 07, 2007 B-17 Letter dated August 7, 2007 filing response to Mr. Russell Sykes acknowledging receipt of fax requesting hard copies for outstanding undertakings and Arguments (Exhibit C9-11)
August 10, 2007 B-18 Letter dated August Undertaking at Transcript Volume 5, Page 735, 737 to 738, 766 to 767, 773 to 774, filing responses to Commission’s request for information on IT strategic plan, actuarial approach in technical notes, rate impact on rate adjustments, numerical differences on average premiums and premium tax charged on DPP
August 15, 2007 B-19 Letter dated August 15, 2007, filing Undertaking at Transcript Volume 4, Page 543, line 13 to 546, line 26, filing response to the Commission’s request for the calculation of the non-insurance costs paid by drivers

C Exhibits — Intervener Documents

C Exhibits are issued by registered interveners and can include information requests, submissions on process, and other evidence. To see the list of interveners in this proceeding, please click the "Intervener List" heading below.

Click here for Intervener List

INSURANCE BUREAU OF CANADA – Email dated March 22, 2007 from Sara Mehrjou, filing request for Intervenorship
CANADIAN OFFICE PROFESSIONAL EMPLOYEE’S UNION LOCAL 378 – Online web registration received March 26, 2007 from Steve Toomey, filing request for Intervenorship
PEMBERTON INSURANCE CORPORATION – Online web registration received September 25, 2006 from Roger A. Finnie, filing request for Intervenorship
UNION OF BRITISH COLUMBIA MUNICIPALITIES – Online web registration received January 4, 2007 from Richard Taylor, Executive Director, filing request for Intervenorship
BRITISH COLUMBIA OLD AGE PENSIONERS' ORGANIZATION ET AL (BCOAPO) - Received letter dated March 27, 2006 from Jim Quail requesting Intervenor Status and for Leigha Worth, Counsel
FAMILY INSURANCE SOLUTIONS – Email dated March 30, 2006 from Peter G. Thrower requesting Intervenor Status
MILLER, SPENCER – Online web registration received dated April 2, 2007 requesting Intervenor Status
NW INSURANCE BROKERS LTD. – Letter dated April 13, 2007 from Nancy Wells requesting Intervenor Status
SYKES, RUSSELL. – Letter dated April 13, 2007 requesting Intervenor Status
CANADIAN DIRECT INSURANCE INC. – Online web registration received from Karen Hopkins-Lee dated April 13, 2007 requesting Intervenor Status
CONSUMERS' ASSOCIATION OF CANADA (CAC)– Letter dated April 13, 2007 from Bruce Cran and on behalf of Greg Basham requesting Intervenor Status
CREDIT UNION INSURANCE BROKERS (CUISA) – Online web registration received from Jean Sparkes dated April 20, 2007 requesting Intervenor Status
COALITION AGAINST NO-FAULT IN BC (CANFBC) – Online web registration received from Gordon Adair dated May 1, 2007 requesting Intervenor Status
BC AUTOMOBILE ASSOCIATION INSURANCE CORPORATION – Online web registration received from Patricia Stirling, dated May 7, 2007 requesting late Intervenor Status


Date Title Document Description
March 22, 2007 C1-1 INSURANCE BUREAU OF CANADA – Email dated March 22, 2007 from Sara Mehrjou, filing request for Intervenorship
June 13, 2007 C1-2 Letter dated June 12, 2007, filing Information Request No. 1 to ICBC
August 01, 2007 C1-3 SUBMITTED AT HEARING – Insurance Bureau of Canada’s documents for non-actuarial Panel
March 26, 2007 C2-1 CANADIAN OFFICE PROFESSIONAL EMPLOYEE’S UNION LOCAL 378 – Online web registration received March 26, 2007 from Steve Toomey, filing request for Intervenorship
April 16, 2007 C2-2 Email dated April 16, 2007 filing notice they will not be at the Procedural Conference on April 23, 2007
March 28, 2007 C3-1 PEMBERTON INSURANCE CORPORATION – Online web registration received September 25, 2006 from Roger A. Finnie, filing request for Intervenorship
May 18, 2007 C3-2 Letter dated May 18, 2007 filing Information Request No. 1 to ICBC
May 29, 2007 C3-3 Letter dated May 29, 2007 filing comments on ICBC’s amendment on Basic Insurance Tariff and Rate Class 017 (Exhibit B-8)
June 12, 2007 C3-4 Letter received June 12, 2007 filing Information Request No. 1 to ICBC
August 01, 2007 C3-5 ICBC letter dated July 3, 2007 regarding ICBC’s position on adverse selection
August 01, 2007 C3-6 SUBMITTED AT HEARING – Reference document – Province of BC, Order of the Lieutenant Governor in Council No. 039, directive issued by the Minister of Public Safety and Solicitor General
August 01, 2007 C3-7 SUBMITTED AT HEARING – Reference document from ICBC’s website on Claim-Rated Scale (CRS) – revised April 2007
August 01, 2007 C3-8 SUBMITTED AT HEARING – Reference document – Claims Calculator System – Claim-Rated Scale Inquiry regarding the impact of one claim and two claims
March 28, 2007 C4-1 UNION OF BRITISH COLUMBIA MUNICIPALITIES – Online web registration received January 4, 2007 from Richard Taylor, Executive Director, filing request for Intervenorship
March 28, 2007 C5-1 BRITISH COLUMBIA OLD AGE PENSIONERS' ORGANIZATION ET AL (BCOAPO) - Received letter dated March 27, 2006 from Jim Quail requesting Intervenor Status and for Leigha Worth, Counsel
June 04, 2007 C5-2 Letter dated June 4, 2007 filing BCOAPO’s Information Request No. 2 to ICBC
August 01, 2007 C5-3 SUBMITTED AT HEARING – Reference document on the directional plan with respect to its intentions for changes to the rate design and the risk classification system
March 30, 2007 C6-1 FAMILY INSURANCE SOLUTIONS – Email dated March 30, 2006 from Peter G. Thrower requesting Intervenor Status
May 17, 2007 C6-2 Letter dated May 16, 2007 filing comments on the Tariff rates
June 13, 2007 C6-3 Letter dated June 12, 2007 filing Information Request No. 1 to ICBC
July 13, 2007 C6-4 Letter dated July 13, 2007 from Peter G. Thrower, filing Evidence on method of rating private passenger vehicles and commercial vehicles used for pleasure or business
July 18, 2007 C6-5 Email dated July 18, 2007 from Peter G. Thrower filing comments in support of information filed by Mr. Sykes (Exhibit C9-7)
July 24, 2007 C6-6 Letter dated July 24, 2007 filing responses to Commission Information Request No. 1 (Exhibit A-11)
April 02, 2007 C7-1 MILLER, SPENCER – Online web registration received dated April 2, 2007 requesting Intervenor Status
April 13, 2007 C8-1 NW INSURANCE BROKERS LTD. – Letter dated April 13, 2007 from Nancy Wells requesting Intervenor Status
May 18, 2007 C8-2 Letter dated May 17, 2007 filing Information Request No. 1 to ICBC
July 16, 2007 C8-3 Letter dated June 13, 2007, from Nancy Wells, filing Evidence
July 25, 2007 C8-4 Letter dated July 24, 2007, filing response to the Commission’s Information Request No. 1
April 13, 2007 C9-1 SYKES, RUSSELL. – Letter dated April 13, 2007 requesting Intervenor Status
June 13, 2007 C9-2 Letter dated June 12, 2007 filing Information Request No. 1 to ICBC
June 28, 2007 C9-3 Letter dated June 26, 2007 filing amended Information Request No. 1 to ICBC
July 03, 2007 C9-4 Letter dated June 29, 2007 filing response regarding the amended Information Request to ICBC (Exhibit B-13)
July 03, 2007 C9-5 Letter dated June 29, 2007 filing comments on procedural matters and Regulatory Timetable schedule (Exhibit B-10)
July 16, 2007 C9-6 Letter dated July 16, 2007 filing comments on procedural matters and timeline for filing submissions on Evidence
July 17, 2007 C9-7 Letter dated July 17, 2007 filing a motion regarding the procedure for the conduct of the Oral Public Hearing
July 19, 2007 C9-8 Letter dated July 18, 2007 filing Notice to Attend the Oral Public Hearing and request for assistance
July 23, 2007 C9-9 Letter dated July 20, 2007 requesting the Commission to provide its findings with respect to the amount of premium taxes and the amount of commissions that make up the total commissions and premium taxes noted in the 2006 Revenue Requirements Decision
July 23, 2007 C9-10 Letter dated July 22, 2007 objecting to the ruling in Exhibits A-12 (rate design) and A-10 (revenue requirements) and requesting the Commission to provide additional reasons for its ruling
August 03, 2007 C9-11 Letter dated August 3, 2007 to ICBC filing comments and request for copies of undertaking documentation
April 13, 2007 C10-1 CANADIAN DIRECT INSURANCE INC. – Online web registration received from Karen Hopkins-Lee dated April 13, 2007 requesting Intervenor Status
June 13, 2007 C10-2 Letter dated June 12, 2007 filing Information Request No. 1 to ICBC
April 16, 2007 C11-1 CONSUMERS' ASSOCIATION OF CANADA (CAC)– Letter dated April 13, 2007 from Bruce Cran and on behalf of Greg Basham requesting Intervenor Status
May 18, 2007 C11-2 Letter dated May 17, 2007 filing comments on the Rate Class 017 proposal
April 23, 2007 C12-1 CREDIT UNION INSURANCE BROKERS (CUISA) – Online web registration received from Jean Sparkes dated April 20, 2007 requesting Intervenor Status
May 03, 2007 C13-1 COALITION AGAINST NO-FAULT IN BC (CANFBC) – Online web registration received from Gordon Adair dated May 1, 2007 requesting Intervenor Status
May 09, 2007 C14-1 BC AUTOMOBILE ASSOCIATION INSURANCE CORPORATION – Online web registration received from Patricia Stirling, dated May 7, 2007 requesting late Intervenor Status
May 09, 2007 C14-2 Online web registration received from Heather Prizeman, dated May 8, 2007 requesting late Intervenor Status

D Exhibits — Interested Party Documents

D Exhibits include interested party registration forms. Registered interested parties receive email notifications when public information is posted during a BCUC proceeding.

Date Title Document Description
April 16, 2007 D-1 BC TAXI ASSOCIATION – Online web registration received from Mohan Kang dated April 13, 2007 requesting Interested Party status
April 18, 2007 D-2 CANADIAN NORTHERN SHIELD INSURANCE COMPANY (CNS) – Online web registration received April 18, 2007 from Lori Manskopf requesting late Interested Party status
May 03, 2007 D-3 COPE 378 - Online web registration received May 2, 2007 from David Black requesting late Interested Party status

E Exhibits — Letters of Comment

E Exhibits are from individuals, organizations, and groups that submit a Letter of Comment to share their views, opinions, and insights about an application or matter under review by the BCUC.

Date Title Document Description
April 16, 2007 E-1 Letter of Comment filed by Lorraine Ridout
April 20, 2007 E-2 Letter of Comment dated April 20, 2007 from Rein Nienaber, Victoria, BC
May 09, 2007 E-3 Letter of Comment dated April 26, 2007 from Gerry Gregoire
June 18, 2007 E-4 Letter of Comment dated June 17, 2007 from Leonard Durante
July 18, 2007 E-5 Letter of Comment dated July 17, 2007, from Ken Pugh, Chilliwack, BC

Transcripts

Transcripts are written scripts from procedural conferences, workshops, oral hearings, and other events. They are included on the proceeding record.

Date Title Document Description
April 24, 2007 Transcript Volume 1 - Pre-Hearing Conference - April 23 2007
August 02, 2007 Transcript Volume 2 - ICBC Oral Public Hearing - July 30, 2007
August 02, 2007 Transcript Volume 3 - ICBC Oral Public Hearing - July 31, 2007
August 02, 2007 Transcript Volume 4 - ICBC Oral Public Hearing - August 1, 2007
August 02, 2007 Transcript Volume 5 - ICBC RD & RR - August 2, 2007

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