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 in the ICBC Auto Insurance Basic Coverage Plan
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.