Third Party Liability coverage | Accident Benefits | Underinsured Motorist Protection | Hit-and-Run and Uninsured Motorists coverage | Inverse Liability coverage
Inverse Liability coverage protects you in the parts of Canada and the U.S. where the law won't 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 of your vehicle, for as much as the other driver was held responsible.
So if another driver was 75% at fault for a crash that happened where you can't sue, your Inverse Liability Coverage will pay for 75% of the repairs to your car. That's the portion of your repairs that the other driver (or that driver's insurance) would have had to pay for in British Columbia.
Inverse Liability coverage covers vehicle damage, not injury or death.
It applies even if you do not carry Autoplan Collision insurance, but only for the share of the damage for which the other driver is responsible. If you have Collision coverage, either from ICBC or another insurer, Autoplan will pay the portion of your Collision deductible that the other driver would be liable for.
If you don't have Collision coverage, and you are partly responsible for the crash, you will have to pay your portion of the repair costs. In the example above, you would have to pay 25% of the costs. If you have Collision coverage, it will cover that portion.
