ICBC Basic Coverage Auto Insurance

ICBC Basic Coverage Auto Insurance logo

The Introductory Protection for your Auto in BC

If you are a resident of British Columbia, you need several insurance coverage, auto insurance is one of such coverage. ICBC provides basic auto insurance coverage for all British Columbians who own and drive a vehicle. This coverage offers the minimum requirement to cover your vehicle but you can add some additional coverage options for your car, your family and for yourself. The basic auto insurance plan provides you with all-round protection. The plan provides third-party liability coverage up to $200,000 and also provides accident benefits up to $300,000 to cater for medical costs, wage loss and so forth. The accident benefits provide sufficient coverage if you are involved in an auto crash, even if the auto crash is caused by you.

Additional Features

ICBC provides a way to cater keep you insured and protected even if the person who caused the accident does not have enough insurance to pay. This is made possible with the Under-insured Motorist Protection (UMP). Further coverage in the basic coverage includes hit-and-run damage and injuries, the inverse liability protection, and so forth.

  • If you reside in British Columbia, then ICBC Basic Auto Plan is a mandatory coverage for you.
  • The plan provides third-party liability coverage that protects you when the crash or accident is caused by you or when another motorist makes a claim against you. It provides protection up to $200,000.
  • The Auto plan Accident benefits offer up to $300,000 in medical and rehabilitation costs for crashes or accidents that occurred on or after January 1, 2018. It covers wage loss, medical costs for your household, passengers and yourself.
  • If the accident is caused by someone else, this plan can still cover you if the person responsible does not have enough insurance to pay. This is made possible in the Under-insured Motorist Protection (UMP).
  • The UMP covers you and the members of your household if you own or lease a vehicle when you are injured or killed in a motor crash. With this feature, you can make claim up to $1 million per insured person.
  • You can also increase your protection up to $2 million, $3 million, $4 million or $5 million by buying Extended Under-insured Motorist Protection.
  • Further coverage in this plan includes the hit-and-run damage and injuries, inverse liability protection and so forth.



Additional resources

Learn more about your auto insurance options from these informative articles.

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