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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 April 1, 2019

​​​​​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 (as of January 1, 2018)

​Funeral expense benefits:​

Up to $7,500

Disability income benefits:

Up to $740 per week; homemaker up to $280 per week

​Death benefits:

Up to $30,000 to spouse and up to $6,000 to each dependent child

​Impairment benefits:

​N/A

Right to sue for pain and suffering?

​Yes. If injury is deemed “minor” under provincial legislation, maximum award is $5,500.

​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, 2019