AutoPlan - ICBC Car Insurance

 


By law, any vehicle registered and driven or parked on public streets in British Columbia must purchase ICBC's basic insurance package from an independent broker. This basic coverage, called Autoplan, includes protection from third party legal liability, under-insured motorist protection, accident benefits, hit-and-run protection, and inverse liability.

Autoplan BC All motorists in B.C. must carry basic automobile insurance. For residents, it is provided through ICBC's Basic Autoplan.


Basic Autoplan = the minimum amount of insurance any vehicle must carry to legally operate in British Columbia.


All B.C. motorists must have Basic Autoplan coverage, no matter what they use their vehicle for. It provides you with the minimum car insurance coverage that the law says you need to have to be on the road here.

Generally, Basic Autoplan protects you personally in five ways:


  • third-party legal liability
  • accident benefits
  • underinsured motorist protection
  • protection against hit-and-run and uninsured motorists
  • inverse liability (protects you in circumstance where the law won't let you recover losses from a driver who causes a crash)

Basic Autoplan does not cover you outside Canada and the United States, nor does it cover replacement of or repairs to your vehicle.
 

Most B.C. motorists buy extra coverage for their vehicles, themselves, and equipment they've added to their vehicles. This can be purchased through ICBC or private insurance. It may include collision, comprehensive, vehicle in storage, replacement cost coverage, collector & vintage vehicles, extended third-party legal liability, loss of use, etc.


In setting premiums, ICBC does not discriminate on the basis of age, sex or marital status and discounts are provided based on the number of years that a driver has been claims free. The Corporation collects insurance premiums from more than 2.6 million motorists and invests these premiums to provide insurance benefits for clients and victims of crashes.


The ICBC also competes with other car insurance companies by offering extended third party legal liability and other optional insurance coverages such as collision and comprehensive coverages.

Basic and Optional Autoplan insurance polices are available through Autoplan brokers throughout B.C. Autoplan brokers are insurance brokers who have been authorized by the ICBC to sell the Autoplan coverage.

 


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