|Generally, Basic Autoplan protects you as a person when
you're involved in a motor vehicle crash.
|Basic Autoplan includes
five main types of coverage:
|1. Third-Party Legal
2. Accident Benefits
3. Underinsured Motorist Protection
4. Hit and Run Underinsured Motorist
5. Inverse Liability Coverage
|Basic Autoplan pays damages up to your policy limit
if you are found legally liable for a crash. It provides financial
assistance to cover your wage loss and to help pay for your
medical or rehabilitation costs for personal injuries. If there
are fatalities resulting from a motor vehicle crash, Basic Autoplan
will also pay funeral expenses up to $2500 and death benefits
to the survivors. It also provides additional coverage in situations
where you, members of your household, or other occupants of
your vehicle are injured in an accident where the at-fault motorist
lacked sufficient coverage to pay damages awarded in a claim.
|Basic Autoplan has other restrictions.
You may not be covered if:
- Your vehicle was improperly rated.
- The crash resulted from avoiding the police or using a vehicle
for any illicit or illegal purpose.
- You were driving without a valid driver's license or when
your license was suspended.
- Your vehicle was driven by someone else without a valid driver's
license or when their license was suspended.
- You are found impaired by alcohol, drugs or other intoxicating
substance at the time of the crash.
- You present a fraudulent or exaggerated claim.
- The vehicle was deliberately used to cause loss or damage.
- Your claim results from acts of war, rebellion, insurrection
or a nuclear energy hazard.
|1. Third-Party Legal
|If you injure someone else or damage their property
and the law says you are responsible, Third-Party Legal Liability
coverag pays claims or damages awarded in lawsuits against you
up to the purchased limit. However, you may still be subject
to the Multiple Crash Premium (insert definition box) on your
Basic Autoplan provides you with $200,000 worth of Third-Party
Legal Liability coverage. Buses, taxis, limousines, heavy commercial
vehicles (over 5,000kg GVW) and commercial trailers must carry
$1 million in coverage and $2 million if dangerous goods are
|2. Accident Benefits
|Autoplan Accident Benefits help you with medical costs
and wage loss if you are injured in a motor vehicle crash, regardless
of who is at fault. ICBC* pays Accident Benefits to all occupants
of a vehicle licensed and insured in British Columbia. Accident
Benefits also apply if the person named on an Autoplan policy,
or a member of their household, is hit by a vehicle while a
pedestrian or cyclist. In addition, any cyclist or pedestrian
hit in Canada by a vehicle licensed and insured in BC is covered
under Autoplan Accident Benefits.
Accident Benefit Coverage Restrictions:
There are some situations in which Autoplan Accident Benefits
may not be provided. Coverage may not apply to the injury or
death of a person:
- Who commits or attempts to commit suicide.
- Who is an occupant of a vehicle exempt from Autoplan coverage.
- Whose injury or death is caused by sickness or disease.
- Whose injury or death results from an attempt to avoid police
- Whose injury or death results from participation in a race
or an object used as a weapon.
- Who is an occupant of a vehicle involved in an illicit trade
- Who is a driver not authorized or qualified to operate the
Underinsured Motorist Protection
|Underinsured Motorist Protection provides
you with up to $1 million in coverage if you are injured or
killed by the owner or operator of an underinsured vehicle and
you are not at fault for the crash. Underinsured Motorist Protection
ensures you receive compensation that you are legally entitled
to, but which the at-fault motorist is unable to pay the full
amount of damages recoverable by you.
For example, if the at-fault motorist only carries $200,000
Third-Party Legal Liability coverage, but damages for injuries
suffered by you and your passengers exceed that amount, Underinsured
Motorist Protection will cover the excess amount to a maximum
of $1 million per person.
For only $25 a year, you can protect yourself with $2,000,000
in coverages when you or your passengers are injured in a
crash and the driver at-fault doesn't carry enough insurance
to cover the claim. This $2,000,000 in coverage also applies
to other household members if an underinsured driver injures
them while they are walking or riding a bike. Details
of Excess Underinsured Motorist Protection
Hit and Run Underinsured Motorist Coverage
|Under BC's Insurance (Motor Vehicle) Act,
automatic coverage up to a maximum of $200,000 is available
to BC residents whose property is damaged, or who are injured
or killed by an uninsured or hit-and-run driver on a highway
in British Columbia. This benefit is separate from the coverage
afforded by your basic compulsory insurance and is available
to all BC residents, even if they don't own and insure a vehicle.
Inverse Liability Coverage
|This part of Basic Autoplan covers you,
to the extent that you are not at fault, for loss or damage
to your vehicle if the crash occurs in, or the at-fault driver
comes from, certain parts of Canada or the USA where the right
to recover losses is legally prohibited.
If you are involved in a crash under these circumstances,
Basic Autoplan will pay the cost of repairs to your vehicle
to the extent that the other driver is liable. This applies
even when you do not carry collision coverage. If you have
collision coverage from ICBC or a private insurer, Basic Autoplan
will pay the portion of your deductible for which the other
driver is liable.