All vehicle owners in British Columbia are legally required to carry basic automobile insurance as provided by The Insurance Corporation of BC (ICBC). This "basic" insurance insures against property damage and bodily injury caused by negligent vehicle operation.
Included in the basic Autoplan package are the following coverages:
Third Party Legal Liability
Underinsured Motorist Protection
Protection against hit-and-run and uninsured motorists
Inverse Liability coverages
Also available are the following optional coverages:
Higher Third Party Legal Liability limits up to $5 million
Collision coverage which insures against damage to your vehicle due to collision with another vehicle, person or object on the road even if you were at fault.
Comprehensive coverage which insures against damages from perils such as fire, theft, vandalism, lightning or windstorm.
Loss of Use coverage for temporary substitute vehicles in the event of your own vehicle being stolen or suffering a claim that makes it unable to be driven.
Replacement Cost coverage, which provides you from losing money due to depreciation.
The Roadside Plus program can assist with with loss of use coverage, travel protection, rental vehicel coverage, lock re-keying, & emergency roadside expense.
Roadstar Package is available for vehicle owners who have had no at-fault claims in the past 9 years and are entitled to extra savings.
Excess Under Insured Motoraist Protection protects you against injury caused by an underinsured driver.