AUTOMOBILE INSURANCEYOUR DISTINCTIVE AUTOMOBILE DESERVES DISTINCTIVE INSURANCE. GOLDMINE Insurance is one of the largest one-stop-shop for Auto plan insurance. From vehicle transfers, to renewals and cancellations, Goldmine Insurance is an Auto plan broker you can count on for all your automobile insurance needs. In Canada, It is by law to have auto insurance. More over in Canada there are hundreds of auto accidents occur each year and one of the unfortunate results can be inadequate insurance coverage. We understand that finding the right auto insurance for your luxury auto at a cost-effective price can be a challenge Basic Auto plan coverage Basic Autoplan is the compulsory insurance for anyone in B.C. who owns and drives a motor vehicle on a highway. Key Elements of Basic Coverage are: Third Party Liability if you are found responsible for a crash this policy protects you from claims made by other vehicle owners for injuries or material damage, Basic coverage protects you up to $200,000. Accident Benefits This policy is regardless of who was at fault in the crash, it Pays for injury treatment costs, such as rehabilitation and medical expenses, loss of wages or benefits and costs to do with a crash-related death. Generally it covers medical care or financial support after a crash Underinsured Motorist Protection This policy covers you and other members of your household in cases where you met in a crash and the motorist has no insurance – or not enough to pay for all of the injuries caused. Claims of up to $1 million per person Protection against Hit-and-Run and Uninsured Motorists This policy covers you if you are injured or killed by a hit-and-run or uninsured motorist (to a maximum of $200,000). Additional coverage Depending upon your personalized needs, a range of extra Auto plan coverage can be customized for your protection. The table below summarizes these options and offers more detailed information to help you decide which is right for you. Extended Third Party Liability: Third-Party Liability surpasses the Basic Autoplan limit, and can cover you for damages between $200,000 and up to $5 million to cover a claim if you are deemed responsible for damages or injuries to others as a result of a crash. Accident Benefits: If you can’t work, Accident Benefits will cover your disability up to $300 a week. If you prefer more coverage, ask your broker if you qualify for an Income Replacement policy. Excess Underinsured Motorist Protection: Covers you or your passengers in a crash where the driver who is found responsible doesn’t have enough coverage to pay for damages or injuries caused. Excess Underinsured Motorist Protection increases your maximum benefit from $1 million to $2 million. Protection against Hit-and-Run and Uninsured Motorists: If your costs are more than $200,000, your Underinsured Motorist Protection may provide coverage up to $1 million. UMP is not available in the case of a hit and run that occurs off-highway. Loss of Use: Can cover the costs of getting alternative transportation for you while your vehicle is being repaired Vehicle Travel Protection: Helps offset the costs of having your vehicle stolen or involved in a crash while you’re on a trip or away from home. Roadside Plus: Provides eight coverages (including loss of use, theft deductible waiver, lock rekeying and rental vehicle coverage) for one economical price. RoadStar package: A package of coverages available at a discount for select BC drivers. Vehicle registration & licensing: All vehicles which operate in BC must be registered. Registration allows any transactions related to the vehicle to be recorded and forms part of a permanent record maintained by ICBC. It identifies you as its owner. AirCare certification: Most vehicles licensed must pass an Air-Care test before their first insurance renewal. These vehicle emission tests are required before the vehicle can be insured and requirements for the tests vary according to the age of your vehicle. For more information about whether your vehicle needs to be Air-Care certified, contact our team Vehicle inspections & Standards: In some cases, your vehicle may need a vehicle inspection under the Vehicle Inspection Program (run by the Ministry of Transportation’s Commercial Vehicle Safety & Enforcement branch) For more information, and to access a list of Designated Inspection Facilities, please see the Commercial Vehicle Safety & Enforcement website. Specialty license plates: There are a number of license plate choices available when you register a vehicle in BC. These include:
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GOLDMINE Insurance offers a full range of solutions for all of your automobiles, including antique, collector and recreational vehicles, as well as motorcycles and motor homes. GOLDMINE specialists understand the risks you face on the road each day. You'll find that our commitment to you continues throughout the life of your coverage. GOLDMINE's account specialists are skilled in managing all of our service needs including changes to your policies, claims and coverage inquires. Contact a GOLDMINE Advisor to find out how to properly protect you and your automobiles. |
