Third Party Liability coverage | Accident Benefits | Underinsured Motorist Protection | Hit-and-Run and Uninsured Motorists coverage | Inverse Liability coverage
Under B.C.'s Insurance (Motor Vehicle) Act, automatic coverage up to a maximum of $200,000 is available to B.C. residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver on a highway in British Columbia. This benefit is separate from the coverage afforded by your basic compulsory insurance and is available to all B.C. residents, even if they don't own and insure a vehicle.
Some Canadian provinces have special funds set up to pay for uninsured or unidentified motorist bodily injury claims. Some funds cover injury only while others may also pay for property damage subject to a deductible.
However, since the Yukon, Northwest and Nunavut territories, and most U.S.A. states, do not have such funds, Basic Autoplan also covers you if you are injured or killed in a crash on a highway in any of these jurisdictions if the crash is caused by a hit-and-run driver or one who is uninsured. The coverage is limited to the equivalent of whatever compulsory Third Party Liability limit applies in the jurisdiction where the crash occurred, or $200,000, whichever is less. This coverage does not include damage to your vehicle.
