If you are not at fault

If you are not at fault, you may be entitled to settlement payments from the other driver’s ICBC Third Party Liability coverage for a crash in B.C., as well as Accident Benefits, regardless of fault. For example, the at-fault motorist's insurance could pay for your:

• vehicle repairs
• rental car, or
• reimbursement.

Here you'll find information about the following topics:

• injury payments
• hit-and-run claims
• at-fault driver is underinsured
• at-fault driver is uninsured
• at-fault driver isn’t insured by ICBC.

Injury payments

If you are injured, you may claim settlement payments that pay for:

• medical treatment beyond the limits of Accident Benefits coverage
• net wage loss beyond the limits of Accident Benefits coverage, and
• pain and suffering.

Find out more about settlement payments.

Hit-and-run claims

If you are a victim in a hit-and-run (unidentified) claim, you are covered up to a maximum of $200,000 for damages and injuries. Additional Underinsured Motorist Protection (UMP) may be available beyond the Hit & Run coverage in certain situations for crashes occurring on highways or streets with public access in British Columbia. Hit & Runs are not available for crashes on private driveways and private underground parking areas. Talk to your adjuster for details.

At-fault driver is underinsured

In some cases, the at-fault motorist does not have enough insurance to cover the claims of the other people injured in the accident.

Reduce your risk

To reduce this risk, your basic Autoplan insurance protects you up to $1 million in Underinsured Motorist Protection (UMP). This insurance covers the occupants of your vehicle as well. It also covers anyone in your household hit as a pedestrian or cyclist by an underinsured B.C. motorist.

Want more protection?

You can purchase up to $2 million Excess UMP as an option. Talk to your Autoplan Broker about the coverage that is right for you.

At-fault driver is uninsured

In some cases, if the at-fault driver has no insurance for a crash in B.C., you are covered up to a maximum of $200,000 for settlement payments. Additional UMP may be available where the uninsured coverage has been exhausted. In these situations, UMP is reduced by the amount that has been paid under the uninsured claim. UMP is only available for claims that are on publicly accessible highways and streets in B.C.

What your insurance covers

Collision coverage is optional Autoplan insurance. It covers damages to your vehicle from impact with another vehicle, person, object or the surface of the road. It also covers the costs of towing, storage, and salvage disposal if needed.

If you have Collision coverage, it may cover these costs at first. Later, if another driver is found to be at fault, ICBC may recover these costs from that person's insurance.

Medical, rehabilitation and wage loss coverage under ICBC Accident Benefits 

Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle accident — no matter who is at fault. Find out more about Accident Benefits.

Your collision deductible

You will have to pay a collision deductible. This is the amount you have to pay toward repairs or costs before your insurance kicks in to pay for the rest. If the other driver is at fault and insured by ICBC, your deductible may be reimbursed or waived.

At-fault driver not insured by ICBC

If the at-fault driver is not insured by ICBC, any claim against that person for settlement payments must come from the other registered owner’s Third Party liability coverage. Additional UMP may be available where the at-fault driver’s coverage has been exhausted. In these situations, UMP is reduced by the amount that has been paid under the other driver's coverage for Third Party liability coverage.

Crashes outside British Columbia

If your crash happened outside B.C., local laws may restrict any claim you make against the other, at-fault motorist. However, your Autoplan policy's Inverse Liability coverage may pay your vehicle repair bill.

Inverse Liability coverage protects you in the parts of Canada and the U.S. where the law will not let you recover losses from a driver who causes a crash. If you are in a crash in one of these areas, Basic Autoplan will pay the cost of repairs to your vehicle, for as much as the other driver was held responsible.

So, if another driver was 75 percent at fault for a crash that happened in an area where you can't sue, your Inverse Liability Coverage will pay for 75 percent of the repairs to your car. That is the portion of your repairs that the other driver's insurance would have had to pay in B.C.