Welcome to RKM Insights

Key Legal Principles ICBC Misapplied

• Civil claims use the balance‑of‑probabilities standard — not certainty or “perfect alignment.”
• ICBC must apply that civil standard internally under BC legislation and case law.
• Absolute proof is not required; physical evidence and reasonable inference are sufficient.
• Claimants must be told accurate escalation options — not that “there is no recourse.”
• ICBC must provide a reasoned, evidence‑based rationale before rejecting a claim as hit‑and‑run.

Technical Reconstruction: Why ICBC Arguments Fail

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A full technical and geometric reconstruction demonstrating how the Dodge Ram’s trailer hitch caused the Mazda MX‑5 bumper dent. Includes measurement-based modeling, slope‑adjusted height analysis, photo evidence, and a detailed rebuttal of ICBC’s height‑mismatch and bumper‑shape arguments.

Letter to Councillor Loughton (March 24, 2025)

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A detailed set of ten practical recommendations submitted to Councillor Loughton regarding sheltering-in-parks policy, enforcement capacity, setbacks, community impacts, and FOI-supported evidence from Oaklands and Oswald Parks. Includes complaint data, photos, and analysis of enforcement patterns from 2019–2025.

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