BlackboxMyCar Global BC Interview ICBC Dash Cam Incentive

We were recently featured on Global News to discuss whether or not ICBC should incentivize the use of Dash Cams.


Who is ICBC?

ICBC Logo

Here in British Columbia, the majority of our passenger vehicles are insured by the same crown corporation, ICBC (The Insurance Corporation of British Columbia) who provide universal auto insurance to BC motorists. All insurance claims need to be filed through ICBC, and they are responsible for determining who is at fault in the event of an incident.

Often times in an accident with no witnesses present, the driver that's truly at fault has an easier time receiving a 50/50 verdict because of the lack of evidence. With conflicting statements from both drivers and no evidence in favour of either one, ICBC will often rule the case as 50/50, resulting in an increase in premiums for both drivers.


Dash Cams as a Possible Solution

Thinkware F800 Pro IRL

In the Global News video linked above, our CEO Alex Jang challenges ICBC to employ the use of dash cams. In our experience, dash cams increase driver awareness on the road, promote safe driving behaviour and reduce the amount of time to determine who is at fault in a collision.

As a result of this, we strongly believe that ICBC can, and should provide incentives for those equipping their vehicle with a dash cam starting with discounted premiums for drivers.


ICBC’s Response

Thinkware F770 & Michael from Vsauce

A portion of the Global News Video featured ICBC's response. ICBC claims that there are no studies to prove that the use of dash cams positively impact drivers on the road, and instead serve as a distraction to the vehicle operator.

In reality, the dash cam is mounted in a position in which the driver does not have access or view of the device. The ideal mounting position of our devices is at the top of the vehicle windshield tucked into the headliner, or behind the rear-view mirror in the center of the windshield. In both locations, the camera is not visible to the driver while they are operating the vehicle and will not be a distraction.

With many dash cam manufacturers shifting to a slimmer design and removing LCD screens, these systems have become even less noticeable to the driver. A great example of such a unit would be the Thinkware F800 Pro.

Upon suggestion of devices that would work, ICBC mentioned that they were considering the use of telematic-based devices. Telematics devices are useful in monitoring speed, location and the inputs that the driver is making eg. braking and acceleration, steering control and g-force experienced from the vehicle (body roll etc.).

This could be a good way to monitor driving habits, but may lack usefulness in determining which party is at fault in the event of an accident. Here are a couple of examples where Telematics wouldn't have been able to help.

Red Light Running Truck Causes Crash in Richmond B.C.

In this video, a Truck runs a red light, recklessly crashing into oncoming traffic. Telematic systems wouldn't be able to determine what is clearly a red light. Had the dash cam not been there, this would not have been as cut and dry.

Crash Caught by Parking Mode Dash Cam

This footage was captured by a parked car equipped with a dash cam. A cop at the scene of the incident instinctually searched for a vehicle in the vicinity with a dash cam, and was able to determine who was at fault.