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What is Extended Third Party Liability?

Extended Third Party Liability is additional coverage that you can buy to increase your coverage to more than $200,000.

Why would I need more Third Party Liability?

Canadian and U.S. courts often award damages that are much higher than $200,000. In fact, injury awards sometimes exceed $1 million. Without Extended Third Party Liability coverage, you are responsible for paying any amounts above the $200,000 covered by Basic Autoplan. Most motorists feel more comfortable extending their Third Party Liability coverage to $1 or $2 million.

All coverages are quoted in Canadian dollars. If you will be driving in the U.S., remember that any damages claimed against you there will be in U.S. dollars!

What Basic covers

Third Party Liability coverage | Accident Benefits | Underinsured Motorist Protection | Hit-and-Run and Uninsured Motorists coverage | Inverse Liability coverage

Third Party Liability

If you injure someone else or damage their property in a motor vehicle crash and are held legally responsible, Third Party Liability [click for definition] coverage pays their claims on your behalf, up to the specified limit.

How much Third Party Liability coverage does Basic Autoplan give you?

With Basic Autoplan, that limit is $200,000. This is the minimum coverage that an owner must have on a B.C.-registered vehicle. (The rules are different for a bus, taxi, limo or heavy commercial vehicle; see Commercial Vehicles.)

What is not covered by Third Party Liability?

Loss or damage to anyone's property carried in your vehicle
Loss or damage to property you own or rent (for example, your house)
Assessments, penalties or premiums owed under the Workers Compensation Act
Operation of attached equipment at a work site (for example, a crane attached to a truck)

Recreational trailers, like other vehicles, are required to be licensed and insured with at least the basic mandatory Third Party Liability coverage before they can be used or operated on highways. Higher liability limits as well as own damage coverage (collision, comprehensive and specified perils) are also available. Please see your Autoplan broker for further details.