Are insurance rates soaring across BC?

Written by Harold McNeill on January 29th, 2018. Posted in Tim Hortons Morning Posts, Editorials


Car Crash

Scenes like this are all too common in BC and take a tragic toll in lives lost and families destroyed. The cost is high and we all pay but are Insurance Rates out of control in B.C.? Check out this article, as you may be surprised to see where British Columbia sits in relation to other Provinces.

This article is brought forward following an article in the Saanich News stating ICBC rates for some classes of vehicles are grossly inflated as compared to Alberta. Also included are recent updates.

Updated:  February 10, 2020

Further to the update below (February 1, 2020), I note that since the government announced a “No-Fault” insurance plan for BC, Robert Mulligan is taking a slightly different tack, suggesting that no-fault will only increase the problems by taking away the right of an injured party to sue.

I’ve copied just one sentence from Mulligan’s longer discussion, “And I think people don’t like the idea that somebody who’s, for example, was drunk and ran into you and you become a quadriplegic is going to be treated exactly the same way you would in terms of getting benefits (go to minute 00:15:26 to see his full comment)

Statements like this appear to be simple fear-mongering. As was the case in the past, people who commit criminal offences, as well as other forms of negligence while driving, may well lose their insurance coverage and in all likelihood would be sued by ICBC to recover costs of the claim.   (Link here to Mulligan’s full conversation on CFAX radio)

Updated:  February 7, 2020

It is reported ICBC is heading for a 20% rate reduction and largely cutting out lawyers in a change to No-Fault insurance.  This will be the largest change to ICBC in several years and will hopefully place the Crown Corporation back on an even keel.

It will be interesting to see how trial-lawyers who earn a large part of their income from ICBC, and the Conservative (aka Liberals) opposition in the Legislature, respond to these changes.

That being said, a February 1, 2020 article by Robert Mulligan, an experienced trial-lawyer, suggested implementing several of the changes currently being proposed by the government.

This will be explored more fully over the next few days.

Read more at CBC Major Overhall of ICBC

Also, a Times Colonist report:   Major overhaul at ICBC would limit the ability to sue, cut rates by 20%

Update: February 1, 2020

For an interesting update of the challenges facing ICBC, read a CFAX interview with Robert A. Mulligan titled, “Extinguishing the ICBC Dumpster Fire“.   You should disregard the title of the article as it was prepared by a media outlet and does not reflect the considered opinion of a respected, practicing lawyer here in Victoria.

Update: August 20, 2019.

A further article debunks the statement that ICBC rates are soaring and that they are among the highest in Canada:  BC News Outlets Exaggerated the Costs of ICBC Insurance

Update: August 13, 2019.

A Global News broadcast this afternoon quoted heavily from an article prepared by the Insurance Bureau of Canada, an Ontario based private enterprise organization that promotes private insurance, which states BC has the highest auto insurance rates in Canada and that rates could be lowered through ‘competition’.  There was also an article in the Saanich News which similarily quoted the IBC information and also indicated ICBC is facing a huge deficit. The article made no mention of the considerable sums of money the government has removed from Crown Corporations such as ICBC and BC Hydro.

I just re-read the article the original article (below) and was again astounded at how high Ontario is compared to the rest of Canada. While that province has a population density far greater than BC, it is also a province in which auto insurance is managed entirely by the private enterprise system.
 
No wonder the Insurance Bureau of Canada, has made such a finding, as one might suspect they are acting on behalf of the private insurers in Ontario, Alberta, and other areas, and might prefer to destroy the public-private system as it tends to expose the excesses of system base solely on private enterprise.
If we had the proper means of checks and balances in our system, the Ontario and Alberta private system might now be under investigation for fraud. I think it unconscionable to first make insurance mandatory and then to then allow private-enterprise to charge exorbitant rates, particularly as they do in Ontario.

I have reached out to friends in the Auto Insurance industry to have them fact check the calculations I quote in order to ensure they have legitimacy.  (Updated August 14, 2019 – hit the continue reading below for the original article and other updates)

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Church and State

Written by Harold McNeill on January 22nd, 2018. Posted in Tim Hortons Morning Posts, Editorials


church-and-stateChurch and State Street: The Canadian Experience

Canada has made considerable progress over the past 150 years (mainly within the past 100 years) in advancing individual rights, particularly those of women, children, visible minorities and in areas involving lifestyle.
Yet, in every community across the country, there exists a safe haven for discriminatory practices not allowed in any other part of our society. In addition, the freedom to practice that discrimination is protected under the Charter of Rights and Freedoms.

It is an unusual situation in which a more accepting set of human values is applied to those considered non-religious than is applied to Christians, Muslims, Jews and other faith-based organizations.

Link Here for a 2014 historical perspective on Church and State

A Continuing Conflict Zone In Canada

As Canada continues along the path of finding a balance between Church and State, we clearly have much rocky terrain yet to negotiate.  There is little doubt an open debate would be useful, but if the current flashback and heated rhetoric over the wording of a government funding application is an example, the time has not yet arrived. It is unlikely any current government, Liberal, Conservative or NDP would dare open the discussion as an election issue.

Hence, it will be left to the occasional bold government action and the courts to draw the line as did Trudeau in 1969 when the Liberals removed abortion from the Criminal Code, then again in 1982 when the same government brought home the Constitution and developed the Canadian Charter of Rights and Freedoms.

Since that time a series of court, parliamentary and legislative decisions, at the provincial and federal level, have helped to push forward individual rights, particularly those affecting women, children, visible minorities and the LGBTQ community. While women have made considerable gains, many barriers still stand in their path as they march towards equality with men. (For an earlier article on the subject link to Women’s Suffrage.)

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R. vs. Stanley: Saskatchewan Court of Queens Bench

Written by Harold McNeill on February 18th, 2018. Posted in Tim Hortons Morning Posts, Editorials


Chief Justice

Martel D. Popsecul, Chief Justice
Presiding over the R. vs. Stanley Trial 

The following Charge to the Jury by Chief Justice of the Court of Queen’s Bench for Saskatchewan, the Honourable Martel D. Popescul, is likely the most reliable document yet published providing insight into the R. vs Stanley trial.

(This post outlines my analysis of why I think the Chief Justice led the Jury directly to a finding of not guilty. It was not a directed verdict in the usual sense, but his words had the same effect.)

And, in those words, all 11,000 of them, the Chief Justice attempts to summarize every aspect of the trial as well as the law governing the charges.  It took the Chief Justice just over one and one-half hours to read his document in court with copies then supplied to the Crown and defence as well as to each juror.

In the copy below, those parts which, in my mind, inexorably led the jury to conclude that Gerald Stanley was not guilty on all counts, are highlighted.  There is little doubt the majority of jurors would have found some parts of the summary so complicated as to render them nearly useless in their deliberations.

Having spent thirty years in law enforcement and a further twenty-five reading and writing about various law enforcement issues, I have some degree of understanding of these complex issues, but even at that, I found some sections of the summary tough slogging.

The jury, on the other hand, deliberated a mere fifteen hours before reaching a ‘not guilty’ verdict on all counts.  Fifteen hours is scant time to consider the various pieces of physical and verbal evidence presented over the two-week trial let alone give full consideration to the details provided in the Judge’s Charge to the Jury.

The jury was made up of random citizens selected from the community and while the process was random, many who have experience with law enforcement (police members active and retired, lawyers and judges, as well as a myriad of others involved with the criminal justice system) would have been removed from the jury pool. This is routinely done to remove any suggestion of bias.  Additionally, “pre-emptive” removals can be used to remove others that either the Crown or Defence think may not be impartial. It was by that process Defence Counsel removed all aboriginals from the jury.

As for the those selected, most are unlikely to have had any experience with jury duty and, before selection, will have been exposed to considerable information about the killing which led to the charge. Given the role played by ‘confirmational bias’ in the lead-up to and during the trial, the Judge’s charge seems the best source for an unbiased view of the case. Or was it?

While the Judge read his comments to the jury before handing them a copy, it is hard to rationalize how, in 15 hours of deliberation, the jury could absorb the complicated issues to a degree that would allow them to render an informed decision.  Because jury deliberations are secret, we shall never know exactly how they reached that verdict in such short order.

If you have the time and inclination to read the Judge’s words to the jury, you may or may not come to the same conclusion I have about a clear path being set out for them to render a ‘not-guilty’ verdict on all counts.

In the following copy, I have separated the ‘Charge to the Jury’ into several parts for easy reference and have highlighted some comments in bold (those I consider important) and in yellow, as ‘very important’.  In addition, I have made a few short comments on some numbered sections.

Before presenting the complete text of his remarks, I will submit the thread comments the Honourable Justice, made that I think pushed the jury towards a finding of ‘not guilty’ on all counts.  The fact the jury deliberations took less than two days suggests the Jury had likely made up their minds very early in the process.

Harold McNeill (Det. Sgt. Retired)

Note: Here is a short discussion along with related links regarding the rights and responsibilities of private citizens to use firearms as a means of Protecting Life and Property

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The Scratch and Lose Caper

Written by Harold McNeill on March 12th, 2017. Posted in Police Notebook, Tim Hortons Morning Posts


lottery-tickets_0

How to scratch open a jail cell.

At 2:00 am Sunday, or at that time any other day of the week, Greater Victoria was known as the land of “Newlyweds, Nearly Deads.” As traffic thinned during those early morning hours, the hum of the tires on a car traveling at high speed could be heard for miles. On this morning, the hum was that of an early 1960’s Oldsmobile, a machine having witnessed better days, as it sped East along Pandora, then onto Oak Bay Avenue.

The four young men inside were still hooting and hollering after partying late in one of the downtown clubs. They were now heading home to Gordon Head but having missed the Fort Street cut-off that would have taken them to Foul Bay Road then north, continued East along Oak Bay Ave. All had been drinking heavily and had no particular purpose in mind other than getting home to continue the party.IMG_0975

As they approached Foul Bay Road someone hollered: “Hey man, ya gotta turn here!” However, speed and distance would soon become limiting factors given the tank in which they were riding. The driver, his sense dulled by alcohol, braked heavily then cranked the wheel hard left. As momentum and weight took over, the tires broke away in a wide yaw that led first to the sidewalk, then to West wall of Frost’s corner store.

Photo (web) A 1960’s style Oldsmobile, 4-door.

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Expedia CruiseShipCenters, Sidney

Written by Harold McNeill on January 8th, 2018. Posted in Tim Hortons Morning Posts, Travelogue


P1020351

 Annual Awards Night Photos
Expedia CruiseshipCenters, Sidney
Saturday, January 6, 2018

A fun time for everyone at the McTavish Academy when Elaine Kirwin, owner/manager of the Sidney based agency, hosted her Annual Expedia CruiseshipCenters Awards Event. With Bronze, Gold, Silver, Platinum, Ruby and Diamond awards being handed out, there was plenty of buzz about the successes of 2017 and what’s in store for 2018. With two men now counted among the crew of twenty-five, it seems the reverse glass ceiling was finally breached.

Elaine (photo right) has much to be proud of, as over the last two decades she has built a skilledP1020347 team of Travel Professionals, and this has led to the agency receiving several Provincial and National Awards for Service Excellence and Achievement.

The awards include two National Awards, as well as being #1 in Western Canada for Uniworld Boutique River Cruises; and in the Top 3 in Western Canada, for the past five years, with Premier Ocean Cruises – Holland America and Celebrity;  and Scenic River Cruises. For a small agency, these are noteworthy achievements.

P1020364As part of the festivities, John Lovel (left), a representative with Emerald Cruise Lines, and Elaine handed out several gifts during the fun and games held after dinner. The competition for prizes was stiff with ties broken during the no holds barred, “rock, paper, scissors” playoffs.

Many thanks to Elaine, her daughter Katie and the catering team from the Airport Spitfire Grill for tasty appetizers, meal, fine wines, and cold beer.

A photo album of the evening’s events is linked here: Awards Night

Cheers,

Harold

Notes:   I didn’t manage to get a photo of everyone with their award. If you have a photo(s) you like me to add, please send by email to: lowerislandsoccer@shaw.ca or pass along to Lynn.  H.

You may link into other travel background stories posted by Harold and Lynn on our McNeill Life Stories Facebook Page.   The photo albums will usually provide a link to the background story.   H.

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Climate Change: Ground Zero

Written by Harold McNeill on January 19th, 2018. Posted in Travelogue, Adventure


Cape Drougt 1
Climate Change, Ground Zero: April 21, 2018
The day the taps will be turned off in Cape Town, South Africa.
(Photo album of Cape Town)
(Jan 28, 131)

As we arrive in Cape Town, South Africa, a Metropolitan area of 3.7 million, a large sign at our airport advised the city was experiencing a severe drought and while the sign urged us to Cape Town Signconserve, the welcoming nature of the sign did not impart the notion of just how critical the situation had become.

Photo: This was the sign. Perhaps a photo of the Cape Reservoir (above), along with a hard message might have had more impact of just how critical things are now, not years from now.

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Index to Biographies

Written by Harold McNeill on December 24th, 2017. Posted in Index to Posts


This index will be completed in January 2018.  Here are the first five which includes a short history for Laura Isabel Skarsen (McNeill)(Wheeler).

Link to Part 1 A New Beginning 
Link to part 2
 The Early Years
Link to Part 3 The Young Woman
Link to Part 4 A New Beginning
Link to Part 5 The Final Chapter

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Happy 70th Linda Simonsen

Written by Harold McNeill on November 23rd, 2017. Posted in Biographies


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A Favourite Painting of Linda

A very happy birthday to our longtime friend Linda Simonsen as she now joins those of us who now occupy that amazing seventh decade of our lives.  It is a time to reflect upon all the good times we have shared with those who have been near and dear to us over the past several decades. (A Video Link is provided in the footer)

To provide a little perspective on how things have changed since Linda landed at her parents home in 1947, have a peek at the cost of a few key items as well as a few of the major events that took place in Canada in that year.

Average Cost of new home, $6,600.00
Average wage per year, $2,850.00
Cost of a gallon of gas, 15 cents
Average cost of a new car, $1,300.00
A loaf of Bread, 13 cents  
A Man’s Sweater, $8.50 
Bulova Watch, $52.50
Two cans of Heinz Cream of Tomato Soup, 23 cents 
Leg O Lamb, 59 cents/pound 
Loaf Marvel Enriched Bread, 13 cents 
Dozen Oranges, 49 cents

And a few events that made the news in that same year.

January 1 – Canadian Citizenship Act 1946 comes into effect.

January 2 – Dominion of Newfoundland (later a province in 1949) switches to driving on the right from the left.

January 27 – The cabinet order deporting Japanese-Canadians to Japan is repealed after widespread protests.

February 13 – Oil is discovered near Leduc, Alberta.

May 14 – The Chinese Immigration Act of 1923 is repealed.

June 15 – The laws limiting Asian immigration to Canada are repealed; Canadians of Asian descent are allowed to vote in federal elections.

July 22 – Two new nuclear reactors go online at the Chalk River research facility.

September 30 – The last group of personnel who had been on active service, for World War II, since September 1, 1939, stood down.[1]

October 1 – New letters patent defining the office and powers of the governor general come into effect.

December 29 – Boss Johnson becomes premier of British Columbia.

Stephen Leacock Award: Harry L. Symons, Ojibway Melody.

The Federal law was changed such that Canadian women no longer lost their citizenship automatically if they married non-Canadians.

Now, sit back, take a few minutes to listen and watch as a few snippets of Linda’s life flow by as Joan Baez sings Forever YoungLouis Armstrong, What a Wonderful World, and Randy Newman, You’ve Got a Friend in Me.

Note: I did not have sufficient space on the server to upload the HD version.  If you wish a copy I can arrange to forward it by other means.   Cheers,  Harold
Here is a link to the Birthday Party photos (Linda Simonsen’s 70th)

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  • Harold McNeill

    November 26, 2021 |

    Hi Dorthy, So glad you found those stories and, yes, they hold many fond memories. Thanks to social media and the blog, I’ve been able to get in touch with many friends from back in the day. Cheers, Harold

  • Harold McNeill

    November 26, 2021 |

    Well, well. Pleased to see your name pop up. I’m in regular contact via FB with many ‘kids’ from back in our HS days (Guy, Dawna, Shirley and others). Also, a lot of Cold Lake friends through FB. Cheers, Harold

  • Harold McNeill

    November 26, 2021 |

    Oh, that is many years back and glad you found the story. I don’t have any recall of others in my class other than the Murphy sisters on whose farm my Dad and Mom worked.

  • Harold McNeill

    November 26, 2021 |

    Pleased to hear from you Howie and trust all is going well. As with you, I have a couple of sad stories of times in my police career when I crossed paths with Ross Barrington Elworthy. Just haven’t had the time to write those stories.

  • Howie Siegel

    November 25, 2021 |

    My only fight at Pagliacci’s was a late Sunday night in 1980 (?) He ripped the towel machine off the bathroom wall which brought me running. He came after me, I grabbed a chair and cracked him on the head which split his skull and dropped him. I worried about the police finding him on the floor. I had just arrived from Lasqueti Island and wasn’t convinced the police were my friends. I dragged him out to Broad and Fort and left him on the sidewalk, called the cops. They picked him up and he never saw freedom again (as far as I know). I found out it was Ross Elworthy.

  • Herbert Plain

    November 24, 2021 |

    Just read you article on Pibroch excellent. My Dad was Searle Grain company agent we move there in 1942/3 live in town by the hall for 5 years than moved one mile east to the farm on the corner where the Pibroch road meets Hwy 44. Brother Don still lives there. I went to school with you and Louise.