Basic Auto Insurance Coverage
All B.C. motorists must carry Basic Autoplan insurance that includes the following five benefits:
$200,000 Third-Party Liability
If you are involved in an at-fault accident, this will protect you from any claims made against you for material damage or bodily injury to the other party.
We highly recommend that you carry much higher limits, which are available at a reasonable premium. Speak to our Autoplan staff for further details.
This will pay for the loss of wages or benefits, rehabilitation, and medical expenses related to an auto accident death regardless of who was at fault.
Underinsured Motorist Protection
This will cover you and your family for your injuries in the event that you are involved in an accident where the other party does not carry adequate insurance coverage.
Hit and Run/Uninsured Motorists
Your Basic Autoplan policy will cover you to the limit of $200,000 if you are injured or killed by a hit and run or uninsured motorist.
Inverse Liability Coverage
This will cover you in any North American jurisdiction where the law restricts you from recovering your losses from a driver that caused the accident.
The Basic Autoplan policy will not cover you outside of the continental United States or Canada. Should you wish to travel to Mexico or to any other country outside of North America, it is recommended that you purchase adequate insurance for those jurisdictions.
Optional Auto Insurance Coverage
There is a wide array of optional coverages available to you from Autoplan. We recommend that you discuss these with any one of our professional Autoplan representatives at 1-877-559-7556.
Excess Third-Party Liability
Third-party liability covers you in the event you are found at fault in an auto accident and there are injuries or property damage involved. The basic policy covers you for $200,000 legal liability.
Excess limits can be purchased from one million to five million dollars.
Excess Underinsured Motorist Protection
U.M.P. covers you in the event you are involved in an auto accident Motorist Protection with an underinsured motorist. Excess U.M.P. gives you the option to purchase excess limits to two million dollars.
Loss of Use
This optional coverage will provide a rental vehicle while your vehicle is being repaired.
This is a very comprehensive additional coverage that includes Loss of Use, Rental Vehicle Coverage, Vehicle Travel Protection, Emergency Roadside Expense Repayment, Locks, Keys and remote keyless entry transmitters, Family World Wide Transportation, Destination Assistance, and Theft deductible waiver.
This package is less comprehensive than Roadside Plus but covers the following: Loss of Use, Rental Vehicle Coverage, Vehicle Travel Protection Coverage, Locks, Keys and remote keyless entry transmitters.
Should your vehicle be rendered a total loss in an accident, this optional coverage will allow you to receive a new vehicle of the same model (with limits of depreciation) provided your vehicle is within three years old.
This coverage will reduce the depreciation on your vehicle provided your model year is within three years old.
Collision coverage will pay for the repairs or replacement of your vehicle, less your deductible, in the event of an accident. This coverage will cover you regardless of who is at fault in the accident.
Comprehensive coverage covers everything that collision wonâ€™t, e.g. fire, lightening, flying objects, theft, earthquake, windstorm, hail, rising water, malicious mischief, riot, or civil commotion. Comprehensive will also cover impact with an animal. Windshield damage is typically claimed under this coverage.
This coverage is much like Comprehensive but does not include damage caused by impact with an animal or flying objects, which prevents this coverage from extending to your windshield.