Basic Autoplan is the compulsory insurance for anyone in B.C. who owns and drives a motor vehicle on a highway. The 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.
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.
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.
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).