Car Insurance

Auto insurance risk analysis

Auto insurance is complicated. Work with an experienced ICBC Autoplan specialist like Reliance who understands the complexities of car insurance coverages.

When the policy and the planning are done correctly, this forms the foundation for complete and affordable coverage. We also offer private insurance options to those that qualify. Private insurance can result in significant overall savings while maintaining the same or superior coverage for your vehicle. We ask the right questions to ensure your policy covers the basics but also items that may have an impact on a future claim at the best value.

It really doesn’t matter what type of motor vehicle you need to insure, it’s more important to insure yourself, your loved ones and your livelihood against the risk of an auto accident, theft or other damages to your vehicle.

Reliance Insurance has extensive expertise in auto insurance. Although Autoplan offers a good basic package, the reality is that the minimums are usually not enough to cover loss and injury expenses.

We can help you determine the best coverage and optional coverages you may want to consider.

Now for the small print.

BC Auto insurance requirements

People who own and drive cars in British Columbia are required to obtain registration and the minimum basic liability insurance plan through Auto Plan by the Insurance Corporation of BC (ICBC). ICBC requires the registrant to purchase the insurance in person. The basic policy protection includes:

• Third-party liability coverage covers you when you’re at least 25% at-fault in a crash and another motorist or pedestrian makes a claim against you. Basic Autoplan covers up to $200,000 of their injury costs and vehicle damage.
• Autoplan accident benefits cover you, your passengers and members of your household with medical costs, wage loss and more if you’re injured in a motor vehicle crash, even if you’re at fault. Accident benefits pay up to $150,000 in medical or rehabilitation costs such as physiotherapy.
• Underinsured Motorist Protection (UMP) is included and covers certain costs when another driver does not have insurance. The basic coverage is up to $1 million per insured person who owns or leases a vehicle.
• Hit-and-run damage and injuries are available to every BC resident, even if you don’t own or insure a vehicle. If you’re eligible, up to $200,000 is available to anyone whose property is damaged, or who is injured or killed in a crash on a roadway in British Columbia. It’s important to note whether your vehicle is damaged in a hit and run, the onus is on you to find the at-fault party.