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British Columbia Mandatory Coverage


British Columbia Mandatory Coverage

​​​To drive in British Columbia, you must obtain coverage through the government insurer, Insurance Corporation of British Columbia (ICBC), that meets the mandatory provincial regulations. In the province, $200,000 in third-party liability coverage is mandatory. ​


The chart below provides a summary of mandatory coverage required by the British Columbia government. Please refer to the list of sources for more details.

This information is for educational purposes only. We suggest you consult a qualified insurance professional for further assistance. 

As of March 1, 2018

​​​​​Compulsory minimum third-party liability:

​$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $20,000

​Direct Compensation Property Damage Required:

Not applicable

​Medical payments:

Up to $300,000/person

​Funeral expense benefits:​

$2,500*

Disability income benefits:

75% gross weekly wages to maximum $300/week; 104 weeks for temporary disability, lifetime for total disability; nothing is payable for the first seven days of disability; homemaker up to $145/week, maximum 104 weeks

​Death benefits:

Death following a collision; death of head of household $5,000, plus $145/week for 104 weeks to first survivor, plus $1,000 and $35/week for 104 weeks to each child; death of spouse/partner of head of household $2,500; death of dependent child, according to age, maximum $1,500*

​Impairment benefits:

​N/A

Right to sue for pain and suffering?

​Yes*

​Right to sue for economic loss in excess of no-fault benefits?

Yes

Administration:

Government (government and private insurers compete for optional and additional coverage)

 

Sources:

Accessed on March 1, 2018

 

* Increased amounts and more changes are expected in 2019 as announced by BC government on February 6, 2018