Inverse Liability coverage is part of your Basic Autoplan and covers your costs if you crash outside B.C. in Canada or in the U.S., where local law may say you cannot claim against the other driver.
In some parts of Canada and the U.S., the law does not permit seeking compensation from the other driver after a crash. This means that you (or ICBC) would not be able to claim against the other driver and would have to pay the costs of repairing your vehicle. The Inverse Liability portion of your Basic Autoplan policy covers some (or all) of the costs that would otherwise be your responsibility.
Inverse Liability coverage is specifically for the repair of your vehicle after a crash. Inverse Liability does not cover you for any medical or rehabilitation costs. The Accident Benefits portion of your Basic Autoplan would cover the injury portion of an Inverse Liability crash.
Inverse Liability provides the vehicle payout you would be entitled to if you were able to claim against the other driver.
It covers the cost of repairs for as much as the other driver was found to be responsible. This means that if another driver was 75 per cent at fault for your crash and your car will cost $1,000 to repair, you will get $750.
If you do not have Collision coverage, you will be required to pay the remainder of those costs (e.g., $250 in the above example.)
Because Inverse Liability coverage only pays for the percentage that you were not at fault in a crash, you might consider purchasing Collision coverage, which covers you even when you are 100 per cent at fault for the crash.