Convert here and show we own their ass . <| sep |> There is no point . <| sep |> This has nothing to do with life insurance , if you hit someone and are liable for bodily damages you cause to them the same as you are liable for damages to another car this is your liability coverage . There is a case of a young girl being paralyzed when she was a passenger in a car . Her house had to be fitted to accommodate her and the judgement included future costs and care . This judgement was over 2 million and covered under optional liability . I am just showing you there there are a ton of examples of situations where ICBC pays massive claims that have nothing to do with buying an expensive car , if you raise Basic rates for one you would have to raise them for them all . I honestly don ' t understand your argument at all , there is a clear place to surcharge expensive cars why are you insisting that it also be in the Basic ? What is the point of this ? It ' s already there .