Underinsured Motorist Protection (UMP) is part of your Basic Autoplan and it protects you in a crash where the at-fault driver doesn't have enough coverage to pay for your costs. You are covered up to $1 million from your own policy even if the other driver has no insurance at all.
Everyone in your household is covered for injury or death:
Underinsured Motorist Protection pays up to $1 million from your own policy toward the cost of a claim after a crash.
If the other driver has some, but not enough, coverage, UMP will pay the difference up to $1 million. For example, if your costs are $450,000, but the other driver only has insurance to pay $200,000 of that, UMP from your own policy pays the remainder — in this case $250,000, less deductibles.
By purchasing Excess Underinsured Motorist Protection coverage, you will increase the maximum payments you are entitled up to $2 million if the at-fault motorist is underinsured.
Talk to your Autoplan broker to increase your coverage to $2 million.
If you have a crash outside B.C., the local laws apply and could affect your claim. If you have an out-of-province claim, please ask your adjuster for details.
Please be aware that there are other limitations to your Basic UMP policy. UMP does not cover you under any of the following circumstances:
Note: Vehicles used as buses, limousines or taxis are not covered under UMP.
Say another driver, who only carries $200,000 Third Party Liability coverage, causes a crash in which you and your passengers are injured. Your Underinsured Motorist Protection will cover damages above the $200,000 to a maximum of $1 million per person.