Basic Autoplan is the minimum amount of insurance any vehicle must carry to legally operate in British Columbia. For more description, see Getting started with Basic Autoplan.

Generally, Basic Autoplan provides coverage to protect you as a person in five different ways:

Third-Party Legal Liability
If you injure someone else or damage their property in a motor vehicle crash and are held legally responsible, Third-Party Legal Liability coverage pays their claims on your behalf, up to the specified limit.

Accident Benefits
Autoplan Accident Benefits help you with your medical expenses, rehabilitation costs and wage loss if you are injured in a crash, or funeral costs and death benefits in case of death. It doesn't matter who was at fault for the crash.

Underinsured Motorist Protection
Sometimes a motorist who causes a crash doesn't have enough insurance to pay for all of the injuries caused, or may not have insurance at all. If you are injured in such a crash, Underinsured Motorist Protection (UMP) makes sure you receive the damages that you are legally entitled to.

Underinsured Motorist Protection applies to any Autoplan policyholder, as well as members of that person's household. It covers you in a variety of situations.

Protection Against Hit-and-Run and Uninsured Motorists
Under B.C.’s Insurance (Motor Vehicle) Act, automatic coverage up to a maximum of $200,000 is available to B.C. residents whose property is damaged, or who are injured or killed by an uninsured or hit-and-run driver on a highway in British Columbia. This benefit is separate from the coverage afforded by your basic compulsory insurance and is available to all B.C. residents, even if they don’t own and insure a vehicle.

Some Canadian provinces have special funds set up to pay for uninsured or unidentified motorist bodily injury claims. Some funds cover injury only while others may also pay for property damage subject to a deductible.

However, since the Yukon, Northwest and Nunavut territories, and most U.S.A. states, do not have such funds, Basic Autoplan also covers you if you are injured or killed in a crash on a highway in any of these jurisdictions if the crash is caused by a hit-and-run driver or one who is uninsured. The coverage is limited to the equivalent of whatever compulsory Third-Party Legal Liability limit applies in the jurisdiction where the crash occurred, or $200,000, whichever is less. This coverage does not include damage to your vehicle.

Inverse Liability Coverage
Inverse Liability coverage protects you in the parts of Canada and the U.S. where the law won't let you recover losses from a driver who causes a crash.

If you are in a crash in one of these areas, Basic Autoplan will pay the cost of repairs of your vehicle, for as much as the other driver was held responsible.

So if another driver was 75% at fault for a crash that happened where you can't sue, your Inverse Liability Coverage will pay for 75% of the repairs to your car. That's the portion of your repairs that the other driver (or that driver's insurance) would have had to pay for in British Columbia