I"m guessing you've been an ICBC customer your whole life ? the rest of the world isn't governed by a corrupt government agency pretending to provide insurance , the free market system works in real well this instance my State Farm policy when I was living in Michigan included unlimited AAA roadside emergency assistance , I spent 8 months having my old Caddy jump started every 3rd day or so for free before we finally found the short that was slowly draining the battery . ICBC screws everybody every way they can on claims because they can and I totally understand your doubts but companies that have to compete on service provide much better policy coverage .