Minimum Required Auto
Insurance Coverage in British Columbia
As of November 1, 2009
|
BRITISH COLUMBIA |
| 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
|
| Medical payments: |
$150,000/person, including rehabilitation, excluding health insurance and other medical plans |
| Funeral expense benefits: |
$2,500 |
| Disability income benefits: |
75% gross weekly wages to a maximum $300/week; 104 weeks temporary disability, lifetime if totally disabled; seven-day wait; homemaker up to $145/week, maximum 104 weeks |
| Death benefits: |
Death of head of household $5,000 and $145/week for 104 weeks to first survivor, plus $1,000 and $35/week for 104 weeks to each child; death of spouse/partner $2,500; death of dependent child according to age, maximum $1,500/child |
| 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 excess coverage) |
Note about terminology: "Unpaid housekeeper" is referred to in some provinces as "homemaker" or "non-earner benefit."
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