VANCOUVER – Drivers who cause crashes or have fewer than 15 years of experience will pay more for vehicle insurance in British Columbia as part of a sweeping plan to overhaul how premiums are calculated.The provincial government introduced the proposed changes on Thursday to modernize the system used by the Crown auto insurance corporation, which hasn’t been updated in decades.If the changes are approved by the B.C. Utilities Commission, two-thirds of drivers will pay less than they otherwise would while one-third will pay more, said Attorney General David Eby.The current model to calculate rates used by the Insurance Corporation of B.C. is “broken,” he said.“From now on, British Columbians can have more confidence that if they drive safely and don’t cause crashes, the rates they have to pay will much more closely represent the risk they actually represent on the road,” he said.Nearly 40 per cent of drivers would see up to a $50 reduction in their annual premiums, while 15 per cent would see more than a $100 reduction, the province said, adding that just over 10 per cent would see an up to $50 increase and 17 per cent would see their rates hiked more than $100.The adjustments would take effect in September 2019, although some elements will not be fully implemented until 2027.The changes are revenue-neutral and not intended to put a dent in ICBC’s forecasted $1.3 billion deficit — a situation Eby has called a “financial dumpster fire.”However, Eby said he hopes the measures will reduce costs to ICBC with a financial incentive to drive safely and prevent crashes, which are at a record high.One key change is that B.C. would move to a driver-based model from a vehicle-based insurance, so at-fault crashes are tied to the driver and not the car owner.Premiums would be calculated based on years of experience, number of at-fault crashes, place of residence and how the vehicle is used, with additional discounts or add-ons on top.Customers would have to list all the drivers who may operate the vehicle, and the experience and crash history of each driver would be taken into account in the premium.Those with a vehicle being used by a driver with a learner’s permit would have to pay as much as $200 more annually. But crashes caused by the learner before they get their licence won’t be counted in their driving history.ICBC would still offer discounts to inexperienced drivers, but those discounts would be reduced to better reflect the “risk” that those drivers represent, the province said.Under the plan, a driver would be considered inexperienced if they have fewer than 15 years of experience on the road.The corporation would consider at-fault crashes that happened over the past 10 years — up from three — to help determine a driver’s premium.But when the changes come into effect in September 2019, ICBC will only look back at two and a half years of at-fault crashes to determine premiums. Each year after that, it will extend the period by one year until 2027, when the full 10-year period will be in place.The corporation would forgive one at-fault crash for customers with 20 years of driving experience.The proposed model means drivers with more years of experience and no at-fault crashes would see greater discounts.Drivers are already paying more if they live in dense, urban areas, which are more risky for crashes. But the province is updating the map to better reflect what B.C. looks like in 2018, the province said.The utilities commission is set to hold a hearing in December to determine whether auto insurance rates will go up overall in the province.Andrew Wilkinson, leader of the Opposition Liberals, accused the NDP government of doing little to fix the problems at ICBC.“All the Attorney General has done today is lay blame at the foot of B.C. drivers, instead of overhauling the broken system that is ICBC,” said Wilkinson in a news release.The NDP countered with a news release saying the Liberals raided $1.2 billion from ICBC while they were in power in order to pad their own annual budgets.— Follow @ellekane on Twitter.
FC Barcelona Lassa Handballgilberto duarte As Handball-Planet.com wrote in the news from April 29, Portuguese left back Gilberto Duarte, signed one-year contract with FC Barcelona Lassa.The Spanish champions have found replacement for Wael Jallouz who joined Fuchse Berlin. Gilberto Duarte, nou jugador de @FCBhandbol https://t.co/8oyprm0yYj El lateral firma por una temporada y llega del Wisla Plock https://t.co/J64ESVlatU#ForçaBarça pic.twitter.com/3TagDTMZxE— Barça Handbol (@FCBhandbol) July 6, 2018Gilberto Duarte to replace Wael Jallouz at FC Barcelona Lassa? ← Previous Story Bertus Servaas about Kielce’s future: Club isn’t in danger! Next Story → THW Kiel and Christian Zeitz separate ways
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New Delhi: An orthopedic surgeon from All India Institute of Medical Science (AIIMS) has developed 3D printing technology for complex orthopedic, spinal and reconstructive surgeries while saying it can help to reduce complications significantly, apart from aiding in difficult cases.With the help of the 3D images from the CT scan, expert can develop the stereolithograpy of the damaged bone. This can be of great assistance to doctors because even a minor mistake or miscalculation during the correction of the spine deformity can cause paralysis or deformity,” said Dr Bhavuk Garg. He also added with use of these “navigational template fit the vertebra perfectly’ and provide a great assistance to the surgeon to avoid any single mistakes. Also Read – After eight years, businessman arrested for kidnap & murder”Spinal deformities are usually associated with significant morbidity and mortality. These problems are very challenging to treat and have a great risk of neurologic complications because of hardware placement during corrective surgery. After the introduction of pedicle screws, scoliosis correction surgeries have witnessed a revolutionary shift, necessitating the placement of a screw within the pedicle with accuracy and safety,” he said. This precision is essential to avoid potential complications because of small bone geometry and the juxtaposition to the spinal cord, he added. Also Read – Two brothers held for snatchings”Surgical time was significantly less in the 3D printing group compared with the freehand group , moreover blood loss was higher in the freehand group but not statistically significant, Dr Garg added. He also said that we found a statistically significant higher rate of accuratescrew positioning with 3D printing. In spite of a similar vertebral fusion span, more screws were inserted in the 3D printing group, which was possible because of enhanced safety, particularly at apical levels. “Soft tissues have to be stripped completely to make templates fit. Preoperative preparation of these templates takes around 10–12 hours per patient; however, the preoperative preparation is justified in view of statistically significant less surgical time and radiation exposure. Because bigger and less rotated pedicles do not require much surgical expertise and time compared with difficult ones, we are now using this technique only for difficult pedicles to save time and cost,” he added.
Haiti’s Senate yesterday followed the country’s lower parliamentary chamber in endorsing President Michel Martelly’s choice of Garry Conille, a veteran UN official who was most recently resident coordinator in Niger, after Parliament rejected two earlier nominees in a stand-off that prompted Secretary-General Ban Ki-moon’s Special Representative Mariano Fernández to express concern for national stability.Today Mr. Fernández hailed the endorsement and called on all sectors of Haitian society to intensify their dialogue to reach agreement on initiatives that strengthen democratic institutions, ensure peace and security, and promote sustainable social and economic development.He urged Parliament to approve Mr. Conille’s Government programme so that major reconstruction efforts can be launched without further delay in Haiti, which has been torn by instability, afflicted by hurricanes, floods and landslides, and is still struggling to recover from a devastating earthquake, which in January 2010 killed over 200,000 people, displaced 2.3 million more, and caused enormous material damage.Mr. Conille has served as chief of staff for former United States president Bill Clinton in his capacity as UN Special Envoy for Haiti, and has worked for the UN since 1999, serving in Ethiopia, Haiti and most recently in Niger, where he was also the Representative of UN Development Programme (UNDP).Mr. Fernández heads the UN Stabilization Mission in Haiti (MINUSTAH), which currently fields nearly 9,000 troops and over 3,500 police and has been on the ground since mid-2004 after then president Jean-Bertrand Aristide went into exile amid violent unrest.MINUSTAH has a broad mandate, ranging from ensuring security and stability, supporting constitutional and political processes and helping to organize and monitor free and fair elections, to assisting in the protection of human rights and aiding reconstruction efforts after the quake, including in the implementation of resettlement strategies for displaced persons. Addressing the Security Council last month, Mr. Fernández appealed to the international community to ramp up its funding and development activities in Haiti, warning that political tensions and precarious socio-economic conditions are threatening its stability.UN Emergency Relief Coordinator Valerie Amos, who visited Haiti last week, warned that the humanitarian crisis following the earthquake is not over.She said improving access to safe drinking water, sanitation and food would be the priority humanitarian tasks over the next year. 5 October 2011The United Nations today welcomed the Haitian Parliament’s approval of a new Prime Minister after months of delay, voicing hope that the impoverished country where the world body maintains a large peacekeeping force can now accelerate its reconstruction efforts.