|What is Excess UMP and how does it benefit
|You're involved in a crash causing you severe injuries.
The court awards you a settlement of $2 million to cover the
cost of lost wages and a lifetime of medical care. Unfortunately,
the person who caused the crash carried liability insurance
of only $1 million.
Without Excess UMP, your claim would be paid up to $1
million. That means there's a $1 million shortfall between your
ICBC settlement and your court award for damages. Where will
you find the money for your ongoing medical expenses and care
costs? With Excess UMP this shortfall could be covered up to
a maximum total limit of $2 million.
|Don't rely on others to carry adequate
insurance. Protect yourself with extra coverage by carrying
|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.
| Provides additional
$1,000,000 beyond the basic $1,000,000 UMP limits
| Covers named
insured on the policy / a household member of the named insured
while an occupant of any vehicle not owned by that member, or
as a pedestrian or cyclist.
| maximum payable
is $2,000,000 per insured person for bodily injuries
| covers accidents
which occur within Canada or the USA only
| the at-fault
party does not have sufficient insurance