Starting May 2021, all British Columbians will be protected under a new type of auto insurance, called Enhanced Care coverage. Enhanced Care is focused on making your insurance premiums affordable and more stable moving forward.
Under Enhanced Care, ICBC will be required, by law, to advise and assist every British Columbian with their claim and endeavour to ensure that every person is informed about, and receives, all the benefits to which they are entitled.
Driving outside of B.C.
If you’re injured in a crash anywhere in Canada or the U.S., you’ll still be covered by all the care and recovery benefits under Enhanced Care, regardless of whether you caused the crash. However, you’ll need to remember that when you are driving outside of B.C., you are under the laws and regulations of that jurisdiction. So, if you are in a crash in another province or in an area of the U.S. where taking legal action on your claim is possible, you may be able to sue the at-fault driver there for compensation.
Equally, if you cause a crash in one of those jurisdictions, you may still face the threat of legal action too. That’s why you may want to purchase optional third-party liability coverage, to extend the coverage you receive in your basic insurance and protect yourself when driving out of province.
Optional coverage to consider
ICBC offers the following discounts:
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