ICBC

Insurance Corporation of British Columbia Application for 2006 Revenue Requirements dated August 22, 2005 ~ Project No. 3698393 ~ Oral Hearing

Completed: 2006

Hearing and Other Documents

Title Document Description
*_Exhibit List Updated: April 26, 2006 @ 4:21 pm
*_Distribution List Updated: March 30, 2006 @ 12:08 pm
*_Email-Fax-Mail List Updated: March 30, 2006 @ 12:08 pm
July 13, 2006 Decision
Errata to July 13 Decision

Arguments/Submissions

Title Document Description
CACBC - Argument - April 24 2006
ICBC - Submission - April 25 2006 Submissions on behalf of Insurance Corporation of British Columbia dated April 25, 2006
BCOAPO - Final Submission - April 28 2006
Pemberton Ins - Final Argument - May 3 2006
CACBC - Final Submission - May 3 2006
BC Chiropractic - Final Argument - May 3 2006
IBC - Final Argument - May 3 2006
Canadian Direct Ins - Final Argument - May 3 2006
ICBC - Reply Submissions - May 10 2006 Reply Argument on behalf of ICBC

Exhibits

A Exhibits - BCUC Documents

Date Title Document Description
November 30, 2005 A-17 ~ Revised Letter and Order No. G-125-05 dated November 29, 2005 – Direct ICBC to respond to Information Requests
August 24, 2005 A-1 Letter dated August 24, 2005 and Order No. G-78-05 establishing a Pre-hearing Conference and Oral Public Hearing
September 12, 2005 A-2 Letter dated September 12, 2005 and Order G-85-05 establishing Regulatory Agenda and Timetable
September 14, 2005 A-3 Letter dated September 14, 2005 and Commission Information Request No. 1
September 26, 2005 A-4 Letter dated September 23 – Change to Regulatory Agenda
September 30, 2005 A-5 Letter dated September 30, 2005 – Response to CDI
October 07, 2005 A-6 Letter dated October 6, 2005 responding to Mr. Finnie’s request for an extension of the Intervenor Information Requests filing date (Exhibit C15-2)
October 14, 2005 A-7 Letter No. L-88-05 issuing a revised Regulatory Timetable for comment
October 14, 2005 A-8 Letter No. L-89-05 dated October 13, 2005 – Response to CDI Letters of September 28 and 29, 2005
October 24, 2005 A-9 Letter dated October 19, 2005 inviting Intervenors to comment on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
October 27, 2005 A-10 Letter dated October 27, 2005 and Order No. G-108-05 issuing the amended Regulatory Timetable
October 27, 2005 A-11 Letter No. L-93-05 dated October 27, 2005 – Response to Exhibit B-10
October 31, 2005 A-12 Letter No. L-94-05 dated October 31, 2005 amending the review process outlined in Letter No. L-93-05 (Exhibit A-11)
November 04, 2005 A-13 Letter dated November 4, 2005 - Commission Information Request No. 2 to ICBC
November 22, 2005 A-14 UNASSIGNED
November 22, 2005 A-15 Letter dated November 8, 2005 and Order No. G-117-05 issuing Reasons for Decision regarding the confidentiality of Exhibit B-10
November 22, 2005 A-16 Letter No. L-101-05 dated November 18, 2005 directing ICBC to file a final reply to Pemberton’s and IBC’s submissions
December 14, 2005 A-18 Letter dated December 12, 2005 listing the hours of operation for the public hearing
December 16, 2005 A-19 Letter dated December 16, 2005 requesting comments from Participants regarding ICBC’s request to adjourn the January 2006 public hearing (Exhibit B-26)
December 21, 2005 A-20 Letter dated December 21, 2005 and Order No. G-142-05 adjourning the January 2006 Public Hearing
January 03, 2006 A-21 Letter dated December 23, 2005 to Canadian Direct Insurance deferring its request for clarification of two points regarding a portion of Order No. G-125-05 regarding timing to the public hearing
January 03, 2006 A-22 Letter dated December 23, 2005 issuing a proposed Revised Regulatory Timetable for comment
January 06, 2006 A-23 Letter dated January 5, 2006 to Mr. Peter Thrower, Family Insurance Solutions Inc. regarding Exhibit A-20 and Order No. G-142-05
January 11, 2006 A-24 Letter dated January 11, 2006 issuing Order No. G-2-06 and Revised Regulatory Timetable
January 26, 2006 A-25 Letter dated January 19, 2006 to Canadian Direct Insurance Inc. denying its request that Canadian Direct's cross-examination period be scheduled for no earlier than March 14, 2006 due to a schedule conflict (Exhibit C6-12)
February 01, 2006 A-26 Letter dated January 31, 2006 and Order No. G-9-06 approving a 6.5 percent increase in Basic Insurance rates on an interim basis
February 13, 2006 A-27 Letter dated February 13, 2006 to Mr. R. Sykes regarding “Reasons for Decision”
February 15, 2006 A-28 Letter dated February 15, 2006 Information Request No. 3 to ICBC
February 24, 2006 A-29 Letter dated February 24, 2006 to ICBC and Intervenors advising of the change in the Public Hearing commencement date, time and location
March 14, 2006 A-30 Letter dated March 14, 2006 responding to Pemberton Insurance Corporation (Exhibit C15-10)
March 29, 2006 A-31 Letter dated March 29, 2006 to ICBC and Registered Intervenors advising of the appointment of Mr. Keith Anderson to the Commission Panel, effective April 1, 2006
April 06, 2006 A-32 Submission at Public Hearing – Excerpt from the Eckler Report
April 06, 2006 A-33 Submission at Public Hearing – CICA Backgrounder to new financial instrument standard for recognition and measurement
April 10, 2006 A-34 Submission at Public Hearing – ICBC 2005-2007 Service Plan, Updated as of September 2005
April 10, 2006 A-35 Submission at Public Hearing – Witness Aid Prepared by Commission Staff
April 11, 2006 A-36 Submission at Public Hearing – ICBC Financial Allocation Methodology Trend
April 11, 2006 A-37 Submission at Public Hearing – Witness Aid – 2004 Equity Mix for ICBC, MPI and SGI
April 11, 2006 A-38 Submission at Public Hearing – Article from Vancouver Sun dated March 18, 2006

B Exhibits - Applicant Documents

Date Title Document Description
November 29, 2005 B-23 ~ PART 1 of 2 Letter dated November 28, 2005 – Response to Commission and Intervenor Information Requests
November 29, 2005 B-23 ~ PART 2 of 2 Letter dated November 28, 2005 – Response to Commission and Intervenor Information Requests
August 23, 2005 B-1 Insurance Corporation of British Columbia 2006 Revenue Requirements Application dated August 22, 2005 (File size - 17.5 MB)
September 15, 2005 B-2 Letter dated September 15, 2005 – Errata to Application
September 15, 2005 B-3 ICBC Letter September 15, 2005 Insurance Corporation of British Columbia Service Plan 2005-2007 Update
September 20, 2005 B-4 Letter dated September 20, 2005 – Actuarial Rate Level Adjustment
September 21, 2005 B-5 Letter dated September 21, 2005 – Responses to IBC
September 28, 2005 B-6 Letter dated September 28, 2005 – Agreement with Revised Schedule
September 29, 2005 B-7 Letter dated September 28, 2005 – Submission
October 04, 2005 B-8 Letter dated October 4, 2005 – Further details regarding CDI submission
October 07, 2005 B-9 Letter and Responses to Commission Information Requests No. 1 dated October 6, 2005
October 07, 2005 B-10 CONFIDENTIAL – October 6 letter and Confidential Response to Commission Information Request 43.3
October 21, 2005 B-11 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
October 25, 2005 B-12 Letter dated October 24, 2005 filing revisions to ICBC’s 2006 Revenue Requirements Application
October 26, 2005 B-13 Letter dated October 26, 2005 – Propose minor adjustment to proposed Regulatory Agenda
October 28, 2005 B-14 Letter dated October 28, 2005 confirming the publication of the Notice of Pre-hearing Confernce and Notice of Oral Public Hearing
October 31, 2005 B-15 REVISED Response to Commission IR 1.1 dated October 31, 2005
November 01, 2005 B-16 Letter dated November 1, 2005 – Response to Commission request for evidence regarding Confidentiality of Exhibit B-10
November 03, 2005 B-17 Letter dated November 3, 2005 responding to Intervenor submissions regarding the Commission’s request for evidence regarding Confidentiality of Exhibit B-10
November 15, 2005 B-18 Letter dated November 15, 2005 – Objection to certain Information Requests as discussed at Pre-Hearing Conference
November 16, 2005 B-19 Letter dated November 16, 2005 – Severed version of Confidential response to Commission IR 2006.1 BCUC.43.3 (Exhibit B-10)
November 23, 2005 B-20 Letter dated November 23, 2005 responding to submissions made by Pemberton and IBC regarding ICBC Exhibit B-18
November 28, 2005 B-21 Letter dated November 28, 2005 – Response to IBC Exhibit C1-9 dated November 25, 2005
November 29, 2005 B-22 CONFIDENTIAL Submission dated November 28, 2005
December 09, 2005 B-24 Letter dated December 9, 2005 filing responses to Intervenor Information Requests pursuant to Order No. G-125-05
December 09, 2005 B-25 Letter dated December 9, 2005 filing Information Requests to Pemberton Insurance Corporation
December 15, 2005 B-26 Letter dated December 15, 2005 requesting that the public hearing be adjourned
December 21, 2005 B-27 Letter dated December 21, 2005 responding to BCOAPO’s comments on ICBC’s proposal to adjourn the revenue requirements portion of the January public hearing
January 06, 2006 B-28 Letter dated January 6, 2006 commenting on the revised Regulatory Timetable
January 19, 2006 B-29 Letter dated January 19, 2006 an amendment to IBC’s information request 2006.1.IBC 226.2
January 27, 2006 B-30 Letter dated January 27, 2006 filing the Revised 2006 Revenue Requirements Application
February 01, 2006 B-31 Letter dated February 1, 2006 responding to Peter Thrower/ Family Insurance Solutions Inc’s concerns regarding ICBC’s response to his Information Request re: applicable reinsurance costs to be charged to Basic insurance (Exhibit C3-11)
February 08, 2006 B-32 Letter dated February 8, 2006 filing revised responses to BCUC’s Information Request No. 2 and Intervenor Information Requests No. 1 (Exhibit B-30)
February 13, 2006 B-33 ICBC letter to Family Insurance Solutions regarding reinsurance costs for Basic insurance.
February 20, 2006 B-34 Letter dated February 20, 2006 filing Errata to BCUC’s Information Request No. 2 and Intervenor Information Request No. 1
February 24, 2006 B-35 Letter dated February 24, 2005 filing responses to Commission Information Request No. 3 and responses to Intervenor Information Requests No. 2
March 02, 2006 B-36 Letter dated March 1, 2006 filing amended ICBC Schedule of 2006 Basic insurance premiums
March 21, 2006 B-37 Letter dated March 21, 2006 filing the Direct testimony of ICBC's witness panels for upcoming oral hearing on April 3, 2006
March 30, 2006 B-38 Letter dated March 30, 2006 filing outstanding Information Requests, Errata and Opening Statement
April 04, 2006 B-39 CONFIDENTIAL - Submission at Public Hearing – Confidential Copies of January Claims Forecast Committee Minutes
April 05, 2006 B-40 Submission at Public Hearing – Response concerning testing of a model for homoscedasticity
April 05, 2006 B-41 Submission at Public Hearing – Response concerning retrospective rating for fleet vehicles
April 05, 2006 B-42 Submission at Public Hearing – Table with information relating to reserves on claims for the Years 200 through 2005
April 05, 2006 B-43 Submission at Public Hearing – Handy reference to Claims History and the Determination of Insurance Rates, and the Underlying Regulations
April 10, 2006 B-44 Submission at Public Hearing – Response Re: Evaluation Report Summary including findings and recommendations with respect to the enhanced Graduated Licensing Program
April 10, 2006 B-45 Submission at Public Hearing – Documentation relating to the setting of the reserves
April 10, 2006 B-46 Submission at Public Hearing – Undertaking re: Transcript page 936, Volume 5, Lines 16 to 20
April 10, 2006 B-47 Submission at Public Hearing – Undertaking to Transcript page 947, Volume 5, Lines 11 to 12
April 10, 2006 B-48 Submission at Public Hearing – Response to Undertaking, Page 742 of Transcript
April 10, 2006 B-49 Submission at Public Hearing – Response to Mr. Finnie Re: Fleet Premium Adjustment Agreement
April 11, 2006 B-50 Submission at Public Hearing – Vancouver Police Department Property Crime Campaign Radio Script
April 11, 2006 B-51 Response to Information Request at Transcript Pages 607 and 608
April 11, 2006 B-52 Submission at Public Hearing – Response to Information Request at Transcript pages 965 and 966
April 11, 2006 B-53 Submission at Public Hearing – Response to Information Request at Transcript pages 1033 and 1034
April 11, 2006 B-54 Submission at Public Hearing – Response to Information Request from Mr. Basham Re: Number of Basic Insurance Bodily Injury Exposures that went to Mediation
April 11, 2006 B-55 Submission at Public Hearing – Response to Information Request at Transcript Page 1095
April 11, 2006 B-56 Submission at Public Hearing – Response to Information Request at Transcript Pages 1101-1102
April 11, 2006 B-57 Submission at Public Hearing – Response to Information Request at Transcript Page 1059
April 11, 2006 B-58 Submission at Public Hearing – Customer Service Centre Pilot Final Evaluation, Response to Information Request at Transcript Page 1113 and 1114
April 13, 2006 B-59 Submission at Public Hearing – Status Update Reports for Quarter 1 of Years 2004, 2005 and 2006 for Customer Service Centre, Response to Information Request at Transcript Page 1119
April 13, 2006 B-60 Submission at Public Hearing – One page document in response to Information Request at Transcript Pages 1138-9
April 13, 2006 B-61 Submission at Public Hearing – Response to Information Request at Transcript page 1237
April 13, 2006 B-62 Submission at Public Hearing – Response to Information Request at Transcript pages 1249 and 1250
April 13, 2006 B-63 Submission at Public Hearing – Response to Information Request re: faxed signatures
April 20, 2006 B-64 Letter dated April 20, 2006 filing responses to outstanding Undertakings
April 25, 2006 B-65 CONFIDENTIAL - Confidential filing of Undertaking at Transcript, Volume 3 Transcript, page 407
April 25, 2006 B-66 Letter dated April 25, 2005 filing responses to the remaining Undertakings to BCUC

C Exhibits - Intervener Documents

CREDIT UNTION INSURANCE SERVICES ASSOCIATION – Notice of Intervention dated August 16, 2005 frrom Lesley Maddison
INSURANCE BUREAU OF CANADA – Notice of Intervention dated July 7, 2005
FAMILY INSURANCE SOLUTIONS INC. – Notice of Intervention dated August 24, 2005 from Peter G. Thrower
SYKES, RUSSELL – Notice of Intervention dated August 24, 2005
BCAA INSURANCE CORPORATION – E-mail dated August 25, 2005 from Patricia Stirling
CANADIAN DIRECT INSURANCE INC. – Notice of Intervention dated August 26, 2005 from Karen Hopkins-Lee
CANADIAN OFFICE PROFESSIONAL EMPLOYEES’ UNION – LOCAL 378 – Notice of Intervention received August 29, 2005
AUTOMOTIVE RETAILERS ASSOCIATION – Notice of Intervention dated August 29, 2005 from D. Robert Clarke
INSURANCE BROKERS ASSOCIATION OF BRITISH COLUMBIA – Notice of Intervention dated August 31, 2005 from C.J. Byrne
TRIAL LAWYERS ASSOCIATION OF BRITISH COLUMBIA – Notice of Intervention dated September 1, 2005
THE CONSUMERS’ ASSOCIATION OF CANADA (BC) – Notice of Intervention dated September 1, 2005 from Greg Basham
COALITION AGAINST NO FAULT IN BC – Notice of Intervention dated September 1, 2005 from Gordon Adair
CANADIAN NORTHERN SHIELD INSURANCE COMPANY – Notice of Intervention dated September 1, 2005 from Lori Manskopf
BC CHIROPRACTIC ASSOCIATION – Notice of Intervention dated August 30, 2005 from Dr. Don Nixdorf
PEMBERTON INSURANCE CORPORATION – Notice of Intervention dated September 1, 2005
BRITISH COLUMBIA OLD AGE PENSIONERS’ ORGANIZATION (BCOPAO) – Notice of Intervention dated September 1, 2005


Date Title Document Description
August 23, 2005 C1-1 INSURANCE BUREAU OF CANADA – Notice of Intervention dated July 7, 2005
September 26, 2005 C1-2 Letter dated September 23, 2005 – Documentation regarding NSP
September 28, 2005 C1-3 E-mail dated September 28, 2005 – Agreement with Exhibit A-4
October 17, 2005 C1-4 Letter dated October 17, 2005 – Agree with proposed Agenda and Timetable
October 24, 2005 C1-5 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
November 07, 2005 C1-6 Letter dated November 4, 2005 – Information Request No. 1 to ICBC
November 17, 2005 C1-7 Letter dated November 16, 2005 – Response to ICBC Information Request Objection
November 17, 2005 C1-8 Letter dated November 17, 2005 – Request Commission determine validity of ICBC Information Request Objection
November 25, 2005 C1-9 Letter dated November 25, 2005 responding to ICBC’s objection to answering IBC IRs No. 8.1, 12.1 and 210.1
December 20, 2005 C1-10 Letter dated December 20, 2005 commenting on ICBC’s request to adjourn the January public hearing
January 04, 2006 C1-11 Letter dated January 4, 2006 supporting the revised Regulatory Timetable
February 16, 2006 C1-12 Letter dated February 15, 2006 filing Information Request No. 2 to ICBC
April 04, 2006 C1-13 Submission at Public Hearing – Green Book of documents
April 04, 2006 C1-14 Submission at Public Hearing – News Release from ICBC of November 1, 2005
April 05, 2006 C1-15 Submission at Public Hearing – Selection of Court Decisions
April 06, 2006 C1-16 Submission at Public Hearing – IBC Reference documents book
April 06, 2006 C1-17 Submission at Public Hearing – Excerpts from the Province dated December 29, 2005
April 06, 2006 C1-18 Submission at Public Hearing – Excerpts from the Province dated April 2, 2006
April 11, 2006 C1-19 Submission at Public Hearing – ICB Reference documents
August 23, 2005 C2-1 CREDIT UNTION INSURANCE SERVICES ASSOCIATION – Notice of Intervention dated August 16, 2005 frrom Lesley Maddison
September 28, 2005 C2-2 E-mail dated September 28, 2005 – Agreement to Exhibit A-4
October 24, 2005 C2-3 E-mail dated October 20, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
October 24, 2005 C2-4 E-mail dated October 21, 2005 stating that the Credit Union Insurance Services Association is no longer in agreement of deferring the revised timetable as proposed by BCPIAC
January 04, 2006 C2-5 Notice of Change in Company Contact dated January 4, 2006
August 24, 2005 C3-1 FAMILY INSURANCE SOLUTIONS INC. – Notice of Intervention dated August 24, 2005 from Peter G. Thrower
September 26, 2005 C3-2 E-mail dated September 26, 2005 Response to Exhibit A-4
October 14, 2005 C3-3 E-mail dated October 13, 2005 – Revised Regulatory Agenda and Timetable is acceptable
October 24, 2005 C3-4 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
November 03, 2005 C3-5 Letter dated November 2, 2005 – Reply to Confidentiality of Exhibit B-10
November 04, 2005 C3-6 Letter dated November 4, 2005 – Information Request to ICBC
December 22, 2005 C3-7 Letter dated December 19, 2005 commenting on ICBC’s request to adjourn the January public hearing
January 03, 2006 C3-8 Letter dated December 28, 2005 supporting the revised Regulatory Timetable as proposed in Exhibit A-22
January 04, 2006 C3-9 Letter dated January 3, 2006 supporting Canadian Direct Insurance’s request for clarification and reconsideration of two points contained in Order No. G-125-05 of Exhibt A-21 (Exhibit C6-9)
January 05, 2006 C3-10 E-mail dated December 21, 2005 requesting the Commission amend Order No. G-142-05 to include the comments of Family Insurance
January 20, 2006 C3-11 Letter dated January 20, 2006 to ICBC requesting that a correction be made to its response to Family IR No. 2006.1 F15a to reflect that the applicable reinsurance costs to be charged to Basic insurance
February 02, 2006 C3-12 Letter dated February 2, 2006 to ICBC filing responses and request for reconsideration on previous decision (Exhibit B-31)
August 25, 2005 C4-1 SYKES, RUSSELL – Notice of Intervention dated August 24, 2005
September 13, 2005 C4-2 Submission dated September 1, 2005
September 13, 2005 C4-3 Complaint Submission dated September 6, 2005
September 13, 2005 C4-4 Submission dated September 6, 2005
September 15, 2005 C4-5 Letter dated September 15, 2005 requesting information
September 16, 2005 C4-6 Letter dated September 14, 2005 inquiring as to procedures should ICBC or any Intervenor disagree with all or parts of an Order or Appendices
September 16, 2005 C4-7 Letter dated September 16, 2005 providing corrections/clarifications to the Transcript of "Pre-hearing Proceedings" September 8, 2005 (63 pages, Allwest Reporting Ltd.
October 03, 2005 C4-8 Letter dated September 30, 2005 indicating that writers of letters (or other communications) have the onus to prove that all statements made are "true and complete" and that all relevant statements are made (that is, no "omissions"1 in the context of the issues involve
October 17, 2005 C4-9 Letter dated October 17, 2005 - Submission
October 24, 2005 C4-10 Letter dated October 20, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
November 04, 2005 C4-11 Letter dated November 3, 2005 – Submission regarding ICBC letter of November 1, 2005
February 06, 2006 C4-12 Letter dated February 2, 2006 filing request for information and clarifying the Reasons for Decision for Order No. G-9-06
March 30, 2006 C4-13 Letter dated March 30, 2006 filing Hearing notice and request for Hearing documentation
August 26, 2005 C5-1 BCAA INSURANCE CORPORATION – E-mail dated August 25, 2005 from Patricia Stirling
October 14, 2005 C5-2 E-mail dated October 13, 2005 – Accepting proposed schedule
August 26, 2005 C6-1 CANADIAN DIRECT INSURANCE INC. – Notice of Intervention dated August 26, 2005 from Karen Hopkins-Lee
September 28, 2005 C6-2 E-mail dated September 28, 2005 – Agreement with Revised Regulatory Timetable
September 28, 2005 C6-3 E-mail dated September 28, 2005 – Follow-up to Exhibit A-2
September 29, 2005 C6-4 E-mail dated September 28, 2005 – Clarification of previous Submission
October 13, 2005 C6-5 E-mail dated October 13, 2005 –Agree with proposed Regulatory Timetable and Agenda
October 24, 2005 C6-6 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
November 04, 2005 C6-7 Letter dated November 4, 2005 – Information Request to ICBC
November 21, 2005 C6-8 Letter dated November 17, 2005 responding to ICBC’s November 15, 2005 objection to certain Information Requests
December 13, 2005 C6-9 Letter dated December 13, 2005 requesting clarification regarding Order No. G-125-05 (Exhibit A-17)
December 19, 2005 C6-10 Letter dated December 16, 2005 commenting on ICBC’s request to delay the January public hearing (Exhibit B-26
January 04, 2006 C6-11 Letter dated January 3, 2006 commenting on the revised Regulatory Timetable
January 11, 2006 C6-12 Letter dated January 11, 2006 responding to the Regulatory Timetable issued in Order No. G-2-06 (Exhibit A-24) and requesting that Canadian Direct's cross-examination period be scheduled for no earlier than March 14, 2006 due to a schedule conflict
February 01, 2006 C6-13 Letter dated February 1, 2006 response to the recent decision on the Interim Increase of 6.5% and letter of comment opposing ICBC’s request for this increase
February 15, 2006 C6-14 Letter dated February 15, 2006 filing Information Request No. 2 to ICBC
April 04, 2006 C6-15 Submission at Public Hearing – Canadian Direct Insurance reference documents
April 04, 2006 C6-16 Submission at Public Hearing – Copies of a section excerpted from an ICBC Review
April 10, 2006 C6-17 Submission at Public Hearing – Canadian Direct Insurance reference documents
April 10, 2006 C6-18 Submission at Public Hearing – Zack Spender Advertisements
April 10, 2006 C6-19 Submission at Public Hearing – Document from Autoplan Broker
April 10, 2006 C6-20 Submission at Public Hearing – Extract from the Reid Report
August 29, 2005 C7-1 CANADIAN OFFICE PROFESSIONAL EMPLOYEES’ UNION – LOCAL 378 – Notice of Intervention received August 29, 2005
October 07, 2005 C7-2 Letter and Information Request dated October 7, 2005
October 23, 2005 C7-3 Letter dated October 7, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
August 29, 2005 C8-1 AUTOMOTIVE RETAILERS ASSOCIATION – Notice of Intervention dated August 29, 2005 from D. Robert Clarke
September 01, 2005 C9-1 INSURANCE BROKERS ASSOCIATION OF BRITISH COLUMBIA – Notice of Intervention dated August 31, 2005 from C.J. Byrne
October 24, 2005 C9-2 E-mail dated October 20, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
October 25, 2005 C9-3 E-mail dated October 21, 2005 – Rescind prior correspondence in support of deferral
December 20, 2005 C9-4 Letter dated December 20, 2005 commenting on ICBC’s request to adjourn the January public hearing
September 01, 2005 C10-1 TRIAL LAWYERS ASSOCIATION OF BRITISH COLUMBIA – Notice of Intervention dated September 1, 2005
September 02, 2005 C11-1 THE CONSUMERS’ ASSOCIATION OF CANADA (BC) – Notice of Intervention dated September 1, 2005 from Greg Basham
September 27, 2005 C11-2 E-mail dated September 27, 2005 – Satisfied with proposed Regulatory Timetable and Agenda Revisions
October 14, 2005 C11-3 E-mail dated October 14, 2005 accepting the proposed amended Regulatory Timetable
October 24, 2005 C11-4 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
October 26, 2005 C11-5 E-mail dated October 25, 2005 – Request to view Exhibit B-10
November 02, 2005 C11-6 Letter dated November 2, 2005 – Response to Commission Letter No. L-93-05
November 04, 2005 C11-7 E-mail dated November 4, 2005 – Information Request to ICBC
December 20, 2005 C11-8 Letter dated December 21 (sic), 2005 commenting on ICBC’s request to adjourn the January public hearing
January 04, 2006 C11-9 Letter dated January 6, 2006 supporting the proposed revised Timetable (Exhibit A-22)
February 15, 2006 C11-10 Letter dated February 15, 2006 filing Information Request No. 2 to ICBC
April 04, 2006 C11-11 Submission at Public Hearing – Excerpt from Automobile Insurance Review, March
April 04, 2006 C11-12 Submission at Public Hearing –Excerpts from “At the Cross Roads, Volume II, Options and Choices”
April 11, 2006 C11-13 Submission at Public Hearing – Document from Consumers Association of Canada
September 02, 2005 C12-1 COALITION AGAINST NO FAULT IN BC – Notice of Intervention dated September 1, 2005 from Gordon Adair
March 28, 2006 C12-2 Email dated March 27, 2006 filing notice of attendance at Public Hearing
April 19, 2006 C12-3 Submission at Public Hearing – Book of documents from the Coalition Against No-Fault
September 02, 2005 C13-1 CANADIAN NORTHERN SHIELD INSURANCE COMPANY – Notice of Intervention dated September 1, 2005 from Lori Manskopf
September 28, 2005 C13-2 E-mail dated September 28, 2005 – Regulatory Timetable Change Acceptable
October 13, 2005 C13-3 E-mail dated October 13, 2005 – Satisfied with proposed Regulatory Agenda and Timetable
October 24, 2005 C13-4 E-mail dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
December 21, 2005 C13-5 Letter dated December 20, 2005 responding to ICBC’s request to delay part of the January hearing
January 04, 2006 C13-6 E-mail dated January 4, 2006 supporting the revised Regulatory Timetable
September 02, 2005 C14-1 BC CHIROPRACTIC ASSOCIATION – Notice of Intervention dated August 30, 2005 from Dr. Don Nixdorf
September 28, 2005 C14-2 E-mail dated September 28, 2005 – Agreement with Exhibit A-4
October 12, 2005 C14-3 Letter dated October 12, 2005 – Information Requests to ICBC
October 25, 2005 C14-4 Letter dated October 21, 2005 – Response to Commission Exhibit A-9
November 03, 2005 C14-5 Letter dated November 3, 2005 – Submission regarding ICBC letter of November 1, 2005
December 16, 2005 C14-6 E-mail dated December 16, 2005 commenting on ICBC’s request to adjourn the January public hearing (Exhibit B-26)
February 15, 2006 C14-7 Letter dated February 15, 2006 filing Information Request No. 2 to ICBC
September 02, 2005 C15-1 PEMBERTON INSURANCE CORPORATION – Notice of Intervention dated September 1, 2005
September 29, 2005 C15-2 E-mail dated September 29, 2005 – Request Information Request Extension
October 24, 2005 C15-3 Letter dated October 21, 2005 commenting on BCPIAC’s request to postpone the final determination of the regulatory agenda (Exhibit C16-4)
November 04, 2005 C15-4 Received via the Web November 4, 2005 - Information Request No. 1 to ICBC
November 16, 2005 C15-5 Letter November 16, 2005 – Response to ICBC Information Request No. 1 Objection
December 06, 2005 C15-6 Web submission received December 6, 2006 - Evidence
December 19, 2005 C15-7 Letter dated December 16, 2005 commenting on ICBC’s request to adjourn the January public hearing (Exhibit B-26)
January 06, 2006 C15-8 Letter dated January 6, 2006 commenting on the revised Regulatory Timetable
January 20, 2006 C15-9 January 20, 2006 - reply to ICBC Information Request (Exhibit B-25)
March 09, 2006 C15-10 Letter dated March 8, 2006 request to the Commission to consider reopening Intervenor registrations as the Application has been significantly altered
April 05, 2006 C15-11 Submission at Public Hearing – Excerpt from Accounting Theory by Eldon S. Hendriksen
April 10, 2006 C15-12 Submission at Public Hearing – Flyer from Insurance Trade Journal
April 10, 2006 C15-13 Submission at Public Hearing – Document titled “Local Monopoly”
April 12, 2006 C15-14 Submission at Public Hearing – Article from Insurance Brokers Trade Journal
September 03, 2005 C16-1 BRITISH COLUMBIA OLD AGE PENSIONERS’ ORGANIZATION (BCOPAO) – Notice of Intervention dated September 1, 2005
September 26, 2005 C16-2 E-mail dated September 26, 2005 – Agree with Regulatory Timetable Change
September 29, 2005 C16-3 E-mail dated September 29, 2005 – Submission regarding Exhibit C6-3
October 14, 2005 C16-4 Letter dated October 14, 2005 commenting on the proposed amended Regulatory Timetable
October 25, 2005 C16-5 E-mail dated October 25, 2005 – Court Challenge to IC2 Amendments
October 27, 2005 C16-6 E-mail dated October 26, 2005 – Comments regarding Exhibit C11-5
November 02, 2005 C16-7 Letter dated November 2, 2005 – Submission regarding Exhibit B-10 Confidentiality
November 03, 2005 C16-8 Letter dated November 3, 2005 – Information Request to ICBC
December 16, 2005 C16-9 Letter dated December 16, 2005 commenting on ICBC’s request to adjourn the January public hearing (Exhibit B-26)
January 04, 2006 C16-10 Letter dated January 3, 2006 commenting on the proposed revised Timetable (Exhibit A-22)
January 09, 2006 C16-11 Letter dated January 6, 2006 providing additional comments on the proposed revised Regulatory Timetable
February 10, 2006 C16-12 Letter dated January 9, 2006 filing Information Request No. 2 to ICBC
February 14, 2006 C16-13 Letter dated February 14, 2006 to BCUC filing additional Information Request No. 18.1 to ICBC
March 07, 2006 C16-14 Email dated March 7, 2006 filing ICBC's recently-published Service Plan 2006-08 and reference to Canadian Institute of Actuaries Consolidated Standards of Practice as evidence
March 16, 2006 C16-15 Email dated March 16, 2006 filing reference to documentation published by the Actuarial Education and Research Fund for purposes of cross-examination
March 30, 2006 C16-16 Email dated March 29, 2006 filing change of Consultant Co-Counsel
April 04, 2006 C16-17 Submission at Public Hearing – BCOAPO et al Actuarial Panel Exhibits
April 05, 2006 C16-18 Submission at Public Hearing – Extract from ICBC Service Plan
April 05, 2006 C16-19 Submission at Public Hearing - Extract from Trowbridge’s Fundamental Concepts of Actuarial Science
April 05, 2006 C16-20 Submission at Public Hearing – Witness Aid concerning August to October Bodily Injury Projection
April 05, 2006 C16-21 Submission at Public Hearing – August to October Bodily Injury per Policy Witness Aid
April 05, 2006 C16-22 Submission at Public Hearing – Extracts from the Canadian Institute of Actuaries’ Consolidated Standards of Practice
April 05, 2006 C16-23 Submission at Public Hearing – Extract from ICBC October 24 Filing with the BC Utilities Commission
April 05, 2006 C16-24 Submission at Public Hearing – Graph entitled “Basic Insurance Capital Build” – Witness Aid
April 05, 2006 C16-25 Submission at Public Hearing – Transcript Extracts, cover page and pages 1267 -1268, October 14, 2004
April 05, 2006 C16-26 Submission at Public Hearing – Frequency of BI Losses over $40,000 - 3.5 Percent Error in LDF in 2005
April 05, 2006 C16-27 Submission at Public Hearing – Frequency of BI Losses over $75,000 – Based on 2006.2 BCOAPO 14.4
April 05, 2006 C16-28 Submission at Public Hearing – Capital Adequacy and Allocation using dynamic financial analysis by Donald Mango and John Mulvey
April 05, 2006 C16-29 Submission at Public Hearing – Excerpt from Transcript of October 13, 2004 – Volume 6
April 19, 2006 C16-30 Submission at Public Hearing – BCOAPO Et Al reference documents

D Exhibits — Interested Party Documents

Date Title Document Description
August 25, 2005 D-1 BCAA Insurance Corp. - E-mail dated August 25, 2005 from Patricia Stirling
August 29, 2005 D-2 DUNN, C – Web registration received August 29, 2005
September 01, 2005 D-3 Canadian Association of Direct Response Insurers (CADRI) – Letter dated September 1, 2005 requesting Interested Party status
March 16, 2006 D-4 Mike Locken – Emails received March 15, 2006 and March 16, 2006 requesting Interested Party status

Transcripts

Date Title Document Description
September 09, 2005 Transcript Volume 1 - PreHearing Conference~September 8, 2005
April 04, 2006 Transcript Volume 2 - Public Hearing - April 3 2006
April 04, 2006 Transcript Volume 3 - Public Hearing - April 4 2006
April 05, 2006 Transcript Volume 4 - Public Hearing - April 5 2006
April 06, 2006 Transcript Volume 5 - Public Hearing - April 6 2006
April 10, 2006 Transcript Volume 6 - Public Hearing - April 10 2006
April 12, 2006 Transcript Volume 7 - Public Hearing - April 11 2006

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