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The Insurance Corp. of B.C. is rolling out changes that attach the cost of bad driving firmly to the driver at fault.

That will certainly come as good news to policy holders who have seen their vehicle crashed while someone else was driving and got stuck with higher insurance premiums.

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“Crash records are going to follow the responsible driver, instead of the vehicle owner,” Tyler McGilvery, business process advisor for ICBC. “We’ve heard time and time again from British Columbians that it would be more fair if the responsible party who causes the crash bears that responsibility.”

Currently, about 20 per cent of crashes are caused by a driver not listed on the policy. The rate impact of a crash will be applied when the at-fault driver is listed on a new policy.

Under a new rate structure, premium calculations will be weighted 75 per cent on the principal driver and 25 per cent on the other listed driver with the highest risk profile, said McGilvery.