The British Columbia government requires all drivers in the province to buy a basic Autoplan insurance policy. This coverage is offered through a province-wide network of 900 insurance brokers. The basic package provides the following levels of coverage:
- $150,000 in coverage for each person injured in a motor vehicle accident
- $200,000 to pay for a claim made by the other driver involved in the accident
- $1 million in coverage for each person injured in an accident where the at-fault driver is underinsured
The Autoplan coverage ensures that people who have been injured in a car accident have access to at least a set level of medical care. Vehicle owners can still buy collision and/or comprehensive coverage to pay for damage to their own vehicle.
Along with liability coverage, the basic Autoplan coverage package also pays accident benefits and provides some financial support following a car accident. This portion of the policy will pay for medical bills and rehabilitation services.
If the injured person qualifies, he or she will be paid up to $300 per week for lost wages. Funeral expenses are paid for, and the surviving spouse and/or children may receive a death benefit under the policy. This portion of the policy also protects cyclists and pedestrians who are struck by a motor vehicle.