91裸聊视频淭o be honest, it pisses me off91裸聊视频�.

Those are the words of a former client who continues to live with neck symptoms years after a 91裸聊视频渕inor91裸聊视频� rear-end collision.

Neck symptoms weren91裸聊视频檛 the piss-off, though. It was the attitude of a friend who had just rear-ended someone.

Her friend, clueless about how whiplash injuries work, said things like: 91裸聊视频渋t wasn91裸聊视频檛 a big deal91裸聊视频�, and 91裸聊视频渆veryone is okay91裸聊视频� when describing the collision.

Whiplash is rarely apparent at the scene of a crash. It usually takes hours before the damaged tissues start tightening up. It91裸聊视频檚 not until the next morning when you can barely move your neck.

Her friend91裸聊视频檚 focus was on how 91裸聊视频渟uper grateful91裸聊视频� she was that she had purchased a premium insurance package. She will simply wait a couple of days for vehicle repairs. With the nice loaner vehicles provided by collision repair shops, that might even be a treat.

Depending on her 91裸聊视频淐laim-Rated Scale91裸聊视频� with ICBC, she might well have zero or perhaps as little as a 5 or 10 per cent increase in her insurance premiums.

Nothing has changed in her life, except that she pays a deductible and will never hesitate to purchase collision insurance.

My former client puzzled: 91裸聊视频淚t seems strange that our society is set up to make it easy on people to smash their cars into each other.91裸聊视频�

Indeed.

Her friend91裸聊视频檚 level of driving care was so grossly lacking that she managed to crash her vehicle into the back of another. It is a type of crash that absolutely dominates my practice. Again and again and again, drivers somehow fail to notice that traffic ahead of them has come to a complete stop, and 91裸聊视频渃rash91裸聊视频�.

The 91裸聊视频渁t fault91裸聊视频� driver is rarely injured. Spring loaded bumper technology helps soften the landing. That same technology causes added acceleration to the innocent victim91裸聊视频檚 completely stopped vehicle, increasing the forces on the occupant.

Combined benefits of collision and liability insurance completely protect the negligent driver who is completely clueless about the possibility of having caused a life-long injury.

What is the incentive to be a super-vigilant driver if there are no consequences to being careless?

My former client suggested that collision insurance (insurance to pay for damage to your own vehicle if you cause the crash) should not be allowed if you, yourself, cause a crash. How91裸聊视频檚 that for a powerful thought!

Your liability insurance would pay for your victim91裸聊视频檚 vehicle damage but you would foot the bill for your own.

Imagine yourself behind the wheel of your car with zero collision insurance protection if you cause a crash. Might your level of care increase knowing that you91裸聊视频檙e going to be 91裸聊视频渙ut of pocket91裸聊视频� the thousands of dollars of repair expense?

It91裸聊视频檚 ideas like this that would have the benefit of reducing crashes while greatly easing the burden on ICBC.

Here91裸聊视频檚 another idea: get rid of 91裸聊视频渇ree crashes91裸聊视频�. How about requiring drivers who cause crashes to pay higher (much higher) premiums, no matter how many years of crash-free driving they have under their belt.

Those years of crash free driving are part of the problem. The more years of crash-free driving, the more complacent we become. We actively encourage that complacency with our current system that gives 91裸聊视频渃rash-free91裸聊视频� drivers 91裸聊视频渇ree crashes91裸聊视频�.

The foundation for these ideas is that crashes are caused by inattention and other negligent driving. They don91裸聊视频檛 91裸聊视频渏ust happen91裸聊视频� except in the rarest of circumstances. In those rare circumstances, you wouldn91裸聊视频檛 be 91裸聊视频渁t fault91裸聊视频� and would be fully protected if either of these ideas were implemented.

Is ICBC listening?