Surgeon demands ICBC pay out nearly $1M for wrecked Ferrari

[Teh One Who Knocks]

Josh K. Elliott, CTVNews.ca




A Vancouver neurosurgeon who crashed his Ferrari into a lamp post in 2012 is demanding British Columbia’s public auto insurer cover the full cost of repairs, citing an affront to his "sense of dignity” in a lawsuit over the estimated $982,000 bill.

Dr. Navraj Heran originally wrecked his rare Ferrari F40 in a 2012 collision. The Insurance Corporation of British Columbia (ICBC) offered him $503,000 at the time, but he complained and an arbitrator ruled that the payout ought to be $696,000.

The luxury car ultimately had to be shipped to Toronto for repairs, bringing the ICBC payout up to a total of $790,000. The insurer has covered those costs but Heran says that still is not enough, and is now suing ICBC to cover what he says is the full cost of repairs: an estimated $982,000.

Heran said in his latest notice of civil claim against the agency that it was “unsettling and embarrassing” for him to have the Ferrari absent from his vehicle collection, “which he makes available for public display and appreciation.”

“The show absence of the vehicle is not a matter the plaintiff should have to repeatedly deal with on a public basis,” Heran’s notice of civil claim said.

A judge ruled that the “embarrassment” paragraph in Heran’s claim be struck from his notice of civil claim, calling it “frivolous.” However, the case remains unresolved as the court awaits additional financial estimates from Heran.

The ballooning price tag for Heran’s crash has sparked criticism in the province, where some say luxury car owners are not paying their fair share in insurance premiums. ICBC projects an estimated $1.3 billion operating loss this fiscal year, but critics say that loss could be eased by forcing high-end car owners to pay more each month.

The NDP provincial government has raised taxes on luxury vehicle sales, but not on insurance premiums.

“There should… be some sort of a relationship between the premium paid for these high (end) vehicles and the ones that we pay at a lower level,” Bruce Cran, of the Consumers’ Association of Canada, told CTV Vancouver.

An investigation by CTV Vancouver recently found that the insurance premium on a $700,000 Ferrari is approximately four times the premium paid for a $16,000 Honda Civic, despite the Ferrari being worth more than 40 times the value of the Honda.

B.C. Attorney General David Eby said he’s considering reforms on the current insurance model.

“We all, I think, have concerns about people who cost more to the system that they put in in premiums, and one of those groups is luxury car owners,” Eby told CTV Vancouver on Monday.

Heran declined to speak with CTV Vancouver about the case.

[Muddy]

MBYC

[Goofy]

:wanker:

[Hal-9000]

If the car is worth 40 times more than the average, they should pay higher premiums in case of loss.


I had to fight ICBC when a truck driver hit my car years ago. Guy lived in BC and went 'missing', right up until I had to pretty much threaten ICBC in writing for compensation.

[Godfather]

I dealt with a ICBC a lot the first few years in the industry (thank god I no longer deal with auto insurance). I have so many thoughts on this but basically this guy is human trash, and ICBC is a fucking tire fire. What a mess

[Godfather]

Oh also, in BC because health insurance is government run, doctor's billables for insured procedures are completely public You can look anyone up here: https://www2.gov.bc.ca/assets/gov/he...ok-2016-17.pdf (this just shows billed procedures - some docs are fully or partially salaried which shows up on another website)

This guy billed $1,350,778 in 2017. I can tell you from experience that basically only try-hard losers (or scammers) bill $1mil plus. Doctors who have no lives, work themselves to death, and tell their patients all to come in for follow-ups far too often, then rush them out of their offices after seeing them for 4 minutes I can't wait to ask a few people I know about him and hear what a douche I'm 99% sure that he is.

TLDR: It doesn't surprise me someone like this is being a huge piece of shit.

[lost in melb.]

Oh also, in BC because health insurance is government run, doctor's billables for insured procedures are completely public You can look anyone up here: https://www2.gov.bc.ca/assets/gov/he...ok-2016-17.pdf (this just shows billed procedures - some docs are fully or partially salaried which shows up on another website)

This guy billed $1,350,778 in 2017. I can tell you from experience that basically only try-hard losers (or scammers) bill $1mil plus. Doctors who have no lives, work themselves to death, and tell their patients all to come in for follow-ups far too often, then rush them out of their offices after seeing them for 4 minutes I can't wait to ask a few people I know about him and hear what a douche I'm 99% sure that he is.

TLDR: It doesn't surprise me someone like this is being a huge piece of shit.

Just to be clear, are you saying he did various surgical procedures and his patients claimed $1.3 million from the government health rebate scheme to go into his pocket

[Godfather]

Just to be clear, are you saying he did various surgical procedures and his patients claimed $1.3 million from the government health rebate scheme to go into his pocket

Kinda, not quite, sorry I'm explaining poorly. Not that it matters, but up here no rebates exist. Most patients never see a bill or apply for refunds, it's all on the back end.

Doctors perform procedures, then bill Medical Services directly to get paid for their work (provided that patient was eligible for gov. healthcare). The hospital and whoever else also bills MSP directly on behalf of the patient for their portion of the bill too. Anyways, a new patient consult might pocket the doctor $125, a small surgery maybe $500. This doctor's take home salary was $1.3m which is the sum of all procedures he billed MSP for.

I'm not sayings it's terribly suspicious, just that it's an absurd salary even for a specialist, and more than double the average. Most docs making $1M+ (except the ones doing private work) are the type who run around the hospital 100 hours a week like chickens with their heads off, billing everything can get their hands on, and spend as little time with patients or teaching residents possible. Ambulance chasers. I'm sure they exist everywhere.

Long story short, they're douchebags and it fits in with this guy trying to game ICBC

[Hal-9000]

Kinda, not quite, sorry I'm explaining poorly. Not that it matters, but up here no rebates exist. Most patients never see a bill or apply for refunds, it's all on the back end.

Doctors perform procedures, then bill Medical Services directly to get paid for their work (provided that patient was eligible for gov. healthcare). The hospital and whoever else also bills MSP directly on behalf of the patient for their portion of the bill too. Anyways, a new patient consult might pocket the doctor $125, a small surgery maybe $500. This doctor's take home salary was $1.3m which is the sum of all procedures he billed MSP for.

I'm not sayings it's terribly suspicious, just that it's an absurd salary even for a specialist, and more than double the average. Most docs making $1M+ (except the ones doing private work) are the type who run around the hospital 100 hours a week like chickens with their heads off, billing everything can get their hands on, and spend as little time with patients or teaching residents possible. Ambulance chasers. I'm sure they exist everywhere.

Long story short, they're douchebags and it fits in with this guy trying to game ICBC

If he bills over a million a year, there's a problem. I know an orthopedic surgeon who only makes 200-250k a year with a thriving practice. Even dermatologists, one of the biggest 'cattle call' doctors on the planet having huge numbers of patient turnover per day, don't approach a half million per year.

[Teh One Who Knocks]

So do you guys in Canada NOT have private auto insurance?

[Hal-9000]

So do you guys in Canada NOT have private auto insurance?

Private in what sense? That other people can't see my premiums?

[Teh One Who Knocks]

Private in what sense? That other people can't see my premiums?

No, I mean like privately run insurance companies, like we have down here. We shop around for the best rates and can change auto insurance companies at any time. The way the story sounds is that the government runs the auto insurance up there too?

[Hal-9000]

No, I mean like privately run insurance companies, like we have down here. We shop around for the best rates and can change auto insurance companies at any time. The way the story sounds is that the government runs the auto insurance up there too?

No, it's the same as your set up down there. BC has ICBC as a carrier, so that plays into the government run insurance for sure. But people in BC don't have to use them. They can choose Allstate or whatever is available there.

EDIT: Sorry Lance, that was wrong. People in BC have to use ICBC for basic coverage, but then can supplement with private carriers for additional coverage.

GF would of course know more on this subject...

[Hal-9000]

I pick and choose any private car and home insurance I want in Alberta. We don't do the provincial thing BC does.

[Godfather]

No, it's the same as your set up down there. BC has ICBC as a carrier, so that plays into the government run insurance for sure. But people in BC don't have to use them. They can choose Allstate or whatever is available there.

EDIT: Sorry Lance, that was wrong. People in BC have to use ICBC for basic coverage, but then can supplement with private carriers for additional coverage.

GF would of course know more on this subject...

That’s right, it differs by province. A few have fully private auto, and a few have public auto for the minimum compulsory coverage like a low limit of liability coverage, but then can buy private or public coverage for higher limits and protection on the vehicle.

To make it more complex we now have a few provinces trying “no fault” auto which is sort of neat. In an accident you just have your own insurance pay for your harm, and the other persons does the same. Totally cuts out lawyers fighting over fault and who pays what which saves MILLIONS. Think that’s the way of the future.