AUTO INSURANCE

Everyone needs auto insurance but not everyone needs the same kind. At Schill, we consider your budget, your vehicle, your driving history and what you sing when you think no one can hear (just kidding). We then suggest your best options. We even do it in a way that makes fine print easy to understand.

ICBC provides Basic Autoplan insurance. ICBC Basic Autoplan insurance is the mandatory coverage you need for a vehicle in B.C.  Generally, Basic Autoplan protects you when you’re involved in a motor vehicle crash.

Optional Autoplan insurance is additional coverage that you can choose to buy if you wish. The most common Optional Autoplan coverages are Extended Third Party Liability, Collision, and Comprehensive.

For more detailed information on all the options and government regulations, visit www.icbc.com.

ICBC Basic Autoplan insurance is the mandatory coverage you need for a vehicle in B.C.  Generally, Basic Autoplan protects you when you’re involved in a motor vehicle crash. Basic Autoplan includes five main types of coverage:

  • Third Party Liability coverage
  • Accident Benefits
  • Underinsured Motorist Protection
  • Hit-and-Run and Uninsured Motorist coverage
  • Inverse Liability coverage

Basic Autoplan pays damages up to your policy limit if you are found legally liable for a crash. It provides financial assistance towards your wage loss and to help pay for your medical or rehabilitation costs for personal injuries. If there are fatalities resulting from a motor vehicle crash, Basic Autoplan will also pay funeral expenses up to $2,500 and death benefits to the spouse and dependants. It also provides additional coverage in situations where you, members of your household, or other occupants of your vehicle are injured in an accident where the at-fault motorist lacked sufficient coverage to pay damages awarded in a claim.

Good to know:

Basic Autoplan coverage applies only in Canada and the United States (including Hawaii and Alaska). Your coverage does not extend to Mexico or any other country. Some individual coverages have specific geographic restrictions. You may not be covered if:

  • Your vehicle was improperly rated — for example, rated for pleasure use but used for a higher premium rate such as to and from work.
  • The crash resulted from avoiding the police or using a vehicle for any illicit or illegal purpose.
  • You were driving without a valid driver’s licence or when your licence was suspended.
  • Your vehicle was driven by someone else without a valid driver’s licence or when their licence was suspended.
  • You are found impaired by alcohol, drugs or other intoxicating substance at the time of the crash.
  • You present a fraudulent or exaggerated claim.
  • The vehicle was deliberately used to cause loss or damage.
  • Your claim results from acts of war, rebellion, insurrection or a nuclear energy hazard.

Optional Autoplan insurance is additional coverage that you can choose to buy if you wish. The most common Optional Autoplan coverages are Extended Third Party Liability, Collision, and Comprehensive.

 

  • Extended Third Party Liability gives you additional protection over and above the basic Third Party Liability if you are sued or found responsible for injuries to others or damage to property of others as a result of a motor vehicle crash.
  • Collision insurance pays to repair or replace your vehicle if it is damaged and you are found to be at fault.
  • Comprehensive insurance covers loss or damage to your vehicle by any cause except loss or damage covered by Collision insurance. This includes coverage for loss or damage caused by fire, theft, vandalism, and windshield damage, to name a few.

RENEW ONLINE

Did you know Schill Insurance offers free ICBC Autoplan Delivery to your door anywhere in the Greater Vancouver & Fraser Valley Area? Fill out our Autoplan Renewal Form and one of our mobile agents will get back to you.