Car insurance bc vs alberta

You may think so, because it is what you are told predominantly.

People tend to generalize and paint all categories equally.
This is incorrect. Environment, driving styles, ethnicity, more accidents all sound as reasonable "public opinion" excuses for getting shafted with no lube.
You have to look at the actual numbers of the "issues with government withdrawing".

In 2012, there were 2,865,000 registered vehicles on the roads (presumably insured),
and every year since 2010 ICBC has relayed an average of 200 million dollars to the Gov.
That is roughly $70 per presumably insured vehicle; money left over after all premiums have been paid, and all claims satisfied. Considering there have been 260,000 accidents in 2012 - those drivers do not "deserve" a refund.
So if you haven't been in an accident, and with keeping in mind that ICBC's mandate is the affordable public auto-insurance, your premiums should have been less $77 every year since 2010. That money is a hidden tax. For me it's a 14% extra charged on my premium (and never an at fault claim).

P.S. Something which is hard to calculate, but in my opinion is a hefty number and a greater contributor to the insurance premiums, are the artificially increased amounts of each individual claim, because of the lawyer and doctor industry. Lawyers always want to crank up the claimed damages to increase their commission, and doctors always want return business - they will keep writing documents, if you keep telling them that you are hurting. Speak to Klein Lyons to really glean into the mechanics of inflating your claim - all those ads have been on for decades.

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