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If you are not at fault

If you are not at fault, you may be entitled to Accident Benefits from ICBC and settlement payments from the other driver. The at-fault motorist's insurance could pay for your vehicle repairs, rental car or reimbursement.

What your insurance covers

Accident Benefits

Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle crash—no matter who is at fault.

Settlement payments

If you are injured, you may claim settlement payments for:

  • medical treatment beyond the limits of Accident Benefits coverage
  • net wage loss beyond the limits of Accident Benefits coverage, and
  • pain and suffering.

Find out more about settling your claim.

Damage to your vehicle

The damage to your vehicle will be covered first by your Collision coverage, then by the other driver's insurance.  In addition, Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle accident — no matter who is at fault. 

Your collision deductible

When the other driver is at-fault, your deductible may be reimbursed or waived.

Hit-and-run claims

If you are a victim in a hit-and-run claim, you are covered up to a maximum of $200,000 for damages and injuries.

Please note: hit-and-run claims are not available for crashes on private driveways and private underground parking areas. Talk to your adjuster for details.

At-fault driver is uninsured or underinsured

Uninsured driver

If the at-fault driver has no insurance for a crash in B.C., you could be covered up to $200,000 in settlement payments. Talk to your adjuster for more details.

Underinsured driver

Basic Autoplan insurance protects you and your passengers for up to $1 million. It also covers anyone in your household if they're hit as a pedestrian or cyclist.

Want more protection?

You can purchase up to $2 million in Excess UMP coverage. Talk to your Autoplan Broker about the coverage that is right for you.

At-fault driver not insured by ICBC

If the other driver is not insured by ICBC, ask your adjuster for details as to how you can claim settlement payments.

Crashes outside British Columbia

If your crash happened outside B.C., local laws may restrict any claim you make against the other, at-fault motorist. However, your Autoplan policy's Inverse Liability coverage may pay your vehicle repair bill. Talk to your adjuster for more details.

 

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