BC Class 4 Commercial flashcards

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

Class 4 licence scope

A BC Class 4 licence allows driving taxis, limousines, and small buses carrying up to 25 people including the driver. The restricted version covers only taxis and limousines.

Class 4 minimum age

Applicants for a BC Class 4 commercial licence must be at least 19 years old and must already hold a valid Class 5 or higher licence.

Graduated licensing stages

BC's graduated licensing program has three stages: Learner (Class 7L), Novice (Class 7N), and full privilege (Class 5). Each stage has specific restrictions on passengers, hours, and alcohol.

Learner stage restrictions

A Class 7L learner must drive with a supervisor aged 25 or older holding a valid Class 5, carry zero alcohol, and avoid driving between midnight and 5 a.m.

Novice stage restrictions

A Class 7N novice may not drive between midnight and 5 a.m. unsupervised and may carry only one passenger unless a supervisor is present. Zero alcohol applies.

Class 4 knowledge test

The Class 4 knowledge test is a computer-based multiple-choice exam taken at an ICBC driver licensing office. Passing it is required before booking the commercial road test.

Class 4 road test

The Class 4 road test evaluates pre-trip inspection, vehicle control, hazard perception, passenger safety, and commercial driving judgment. Restrictions may be applied for medical conditions or automatic transmission.

Driving while prohibited

Driving while prohibited or suspended in BC results in vehicle impoundment and further licence sanctions. Commercial drivers may also face medical reviews or re-examinations.

Basic Autoplan coverage

Basic Autoplan is mandatory ICBC coverage including Third Party Liability, Accident Benefits, Underinsured Motorist Protection, and inverse liability protection for damage by unidentified drivers.

Basic liability limit

Basic Third Party Liability covers up to $200,000 for bodily injury and property damage caused to others. Optional increased liability coverage raises this limit.

Optional coverage types

Optional coverage available through ICBC or private insurers includes Collision, Comprehensive, Specified Perils, increased liability, and Excess Underinsured Motorist Protection.

Commercial policy rating factors

Commercial vehicle premiums depend on vehicle type, declared gross vehicle weight, radius of operation, and the driving record of listed drivers.

Deductible definition

A deductible is the amount the policyholder pays toward a claim before insurance covers the remainder. Choosing a higher deductible generally lowers the premium.

Fleet policy driver listing

Commercial and fleet policies may require listing all drivers. An undisclosed driver can affect coverage or how a claim is handled.

Common coverage exclusions

Coverage exclusions commonly include intentional acts, criminal use of the vehicle, and operating without valid licensing or required safety inspection.

Premium discounts and surcharges

Premium discounts may include safe driving records, approved driver training, and security devices. Surcharges apply for at-fault crashes and driving convictions.

Enhanced Care benefits

Enhanced Care, effective May 1, 2021, provides medical, rehabilitation, and wage-loss benefits to all people injured in a BC crash regardless of fault.

Crash responsibility rules

ICBC determines crash responsibility using the Motor Vehicle Act and established fault rules. Rear-end crashes generally place full responsibility on the following vehicle.

Left-turn collision fault

In a left-turn collision, fault typically falls on the turning driver when a safe turn was not possible. Responsibility can be shared if both drivers contributed.

Driver Factor premium

The Driver Factor, formerly the Driver Penalty Point premium, is a premium adjustment based on driving record. At-fault crashes and convictions increase the surcharge level.

Reporting a crash

Crashes should be reported to ICBC as soon as practicable through Dial-A-Claim or online. Police must be called when there are injuries or significant damage.

Disputing responsibility

Drivers may dispute ICBC's responsibility decision through the claims process and, for eligible claims, through the Civil Resolution Tribunal.

Hit-and-run coverage

Inverse liability protection under Basic Autoplan covers damage caused by an unidentified or hit-and-run driver, subject to deductible and reporting requirements.

Vehicle registration renewal

All BC vehicles must be registered with ICBC and display valid plates and insurance. Registration renewal is annual and can be completed online or at a broker.

Commercial vehicle inspection

Commercial vehicles must pass periodic safety inspections under the CVSE program. Inspection intervals depend on vehicle type and declared gross vehicle weight.

Pre-trip inspection items

A commercial pre-trip inspection covers brakes, lights, tires, steering, mirrors, and emergency equipment. Defects must be recorded and repaired before operation.

Hours-of-service rules

Commercial drivers must follow National Safety Code hours-of-service limits, keep daily logs where required, and carry their licence, registration, and insurance documents.

Load security requirement

Cargo must be secured so it cannot shift or fall. Overloaded or improperly secured loads can result in fines and removal of the vehicle from service.

Distracted driving rule

Handheld device use while driving is prohibited in BC, including for commercial drivers. Speed limits, seat belt rules, and impaired driving prohibitions apply equally.

Passenger safety duties

Commercial passenger vehicle and school bus drivers must ensure passengers are seated and doors are secure before moving, and must follow specific passenger safety rules.

Declared weight accuracy

Vehicle registration must reflect actual use and weight. Misrepresenting declared weight or use can void coverage or result in penalties.