BC Class 1 Commercial flashcards

32 cards. Read the term and the definition here. The deck at the top of this page is optional.

Class 7L learner stage

The first stage of BC graduated licensing, requiring a supervising driver aged 25 or older and prohibiting driving between midnight and 5 a.m.

Novice stage duration

The Class 7N stage must last at least 24 months with no convictions or prohibitions; any violation restarts the 24-month period.

Knowledge test passing score

BC's learner knowledge test has 50 questions; a minimum of 40 correct answers (80%) is required to pass.

Class 5 road test

A practical exam assessing hazard perception and decision-making; automatic failures include rolling stops and speeding in school zones.

Supervisor requirement

A learner must be accompanied by a fully licensed driver aged 25 or older who sits in the front passenger seat.

Motorcycle endorsement

A Class 6 licence requires a separate knowledge test, a skills test, and a road test conducted on a motorcycle.

Administrative Driving Prohibition

A licence suspension imposed after an impaired driving incident, carrying reinstatement fees and possible vehicle impoundment.

Night driving restriction

Learner and novice drivers may not drive between midnight and 5 a.m. unless accompanied by an approved supervisor.

Basic Autoplan coverage

Mandatory ICBC coverage including third-party liability, accident benefits, and underinsured motorist protection; collision and comprehensive are optional.

Minimum third-party liability

BC requires at least $200,000 in third-party liability coverage; commercial operators commonly carry $1 million or more.

Cargo insurance

Coverage for goods in transit, typically excluding inherent vice, normal wear, and losses caused by inadequate packing.

Commercial general liability

CGL covers third-party bodily injury and property damage from business operations, but does not cover vehicle collisions.

Deductible

The amount the insured pays before the insurer responds to a claim; higher deductibles reduce premium but raise out-of-pocket exposure.

All-risk policy

A policy covering all perils except those explicitly excluded, placing the burden on the insurer to prove an exclusion applies.

Named-peril policy

A policy that covers only the specific events listed in the contract, leaving the insured to bear losses from unlisted causes.

Subrogation

The insurer's right to recover paid losses from the at-fault party after indemnifying its insured.

Fleet rating factors

ICBC commercial premiums depend on fleet size, vehicle class, driver records, and declared use such as long-haul or delivery.

Proportional responsibility

BC assigns fault as a percentage among involved drivers based on the circumstances of each crash.

Rear-end collision fault

The following driver usually bears 100% responsibility unless the lead vehicle reversed or stopped abruptly without cause.

Left-turn collision fault

A left-turning driver who fails to yield to oncoming traffic typically bears full responsibility for the collision.

Uncontrolled intersection rule

Responsibility falls on the driver who did not have the right of way at an intersection without signs or signals.

Crash reporting deadline

A crash must be reported to ICBC within 24 hours when there are injuries or property damage exceeding $1,000.

Enhanced Care coverage

Post-2021 BC coverage providing care and recovery benefits regardless of fault, while fault still affects premiums.

Responsibility review request

A driver disputing a fault decision must request a review within 90 days, supported by new evidence such as dashcam footage.

Claim documentation

Claimants must supply a statement, damage estimate, and witness details; delays can affect how the claim is assessed.

Registration renewal

BC vehicle registration is renewed annually; driving with expired plates or insurance can lead to fines and towing.

National Safety Code number

Commercial vehicles above roughly 5,500 kg GVW require an NSC number and periodic safety inspections.

Vehicle inspection trigger

Imported, rebuilt, or flagged vehicles must pass an inspection confirming compliance with BC's Motor Vehicle Act standards.

Document carriage

Drivers must carry a valid licence, registration, and proof of insurance; failing to produce them on request can result in fines.

Child restraint rule

All occupants must wear seat belts, and children under 12 must use an appropriate child restraint until height and weight thresholds are met.

Distracted driving penalty

Handheld device use while driving is prohibited; penalties include fines and driver penalty points that escalate for repeat offences.

Winter tire requirement

Designated BC highways require winter tires from October 1 to March 31; non-compliant vehicles may be turned back or fined.