Underinsured Motorist Protection

Underinsured Motorist Protection (UMP) is part of your Basic Autoplan and protects you in a crash where the at-fault driver does not 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.

What is covered?

Everyone in your household is covered for injury or death:

• When driving or riding in any vehicle insured in B.C.
• While they are a pedestrian or cyclist.
• When you are in a vehicle that you own or lease.
• When you are a passenger in a bus, taxi or limousine.

How much does Underinsured Motorist Protection pay?

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.

What if you want more coverage?

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.

Important things to remember

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:

• if you are riding in an unlicensed vehicle
• you are operating a vehicle without the owner's permission
• you are riding in a vehicle exempt from Autoplan insurance
• you or someone representing you, without ICBC's written agreement, settle with or take legal action against a person or organization that may be liable to you for injury or death
• the crash happens in a province or state where the law does not allow you to sue and recover damages for injury or death caused by a motor vehicle crash

Note: Vehicles used as buses, limousines or taxis are not covered under UMP.