When does UMP apply?
Underinsured Motorist Protection covers the following people:
- The person named in an Autoplan policy as the owner of a vehicle licensed and insured in B.C.
- Individuals named as lessees on the Autoplan policies of leased vehicles
- Members of the households of vehicle owners or lessees
- Persons who hold a valid B.C. driver's licence and their household members (but only if the driver's licence is valid at the time of the crash, is not under suspension, and does not have any money owing against it for Driver Point Premiums or Multiple Crash Premium)
UMP also covers any of the persons mentioned above when they are:
- injured or killed while driving or riding in any vehicle
- injured or killed in a motor vehicle crash as pedestrians or cyclists
In addition, UMP covers any person who is injured or killed while driving or riding in most B.C. licensed and insured vehicles. Taxis, buses and limousines do not have UMP insurance of their own, but if you have UMP coverage through your own vehicle, driver's licence or Excess UMP, you will be covered while riding in a taxi, bus or limousine.
