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Did you know that an average of 960 automobile accidents happens in B.C. every day? Top quality car insurance services are important to protect you and your family. At AMC, our experienced agents will find the best rates and plans possible for your situation.
Autoplan Services
BASIC AUTOPLAN
This is the most basic level of insurance required for all motor vehicles in British Columbia. Basic coverage is mandatory and provides a minimum level of protection.
ICBC OPTIONAL INSURANCE
ICBC optional plans include coverage for situations like theft, weather damage, and hit-and-run instances.
PRIVATE OPTIONAL INSURANCE
Several optional private insurance plans offer more tailored coverage based on your needs.
ICBC-ENHANCED CARE – NEW AUTO INSURANCE
Important Links:
Basic Autoplan – What It Includes
THIRD PARTY LIABILITY
In most instances, a vehicle crash causes significant damage to vehicles and property. Crashes can also cause bodily harm. If you’re responsible for the accident, your Basic Autoplan covers up to $200,000 for injuries and vehicle damage for the other party.
ACCIDENT BENEFIT
The Basic Autoplan accident benefits cover any medical costs and lost wages for you and your passengers if you are injured in a car crash, regardless of who is at fault.
UNDERINSURED PROTECTION
If you are not at fault for a crash with an underinsured driver, this provision pays up to $1 million if you’re injured or killed by the other driver.
HIT AND RUN PROTECTION
Coverage of up to $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.
Optional Autoplan – What Is Available?
LOSS OF USE
AT FAULT COLLISION
EXTENDED THIRD
PARTY LIABILITY
PRIVATE OPTIONAL INSURANCE
With private auto insurance Vancouver residents can expect coverage for the following through Family Insurance Solutions and Intact Insurance:
- Extended Liability
- Excess Underinsured Motorist
- Collision
- Comprehensive Cover or Specified Perils
- Limited Depreciation
- Replacement Cost
FAQ
What is Collision Coverage?
Collision covers damage to your vehicle if you are in an at fault accident. Collision also helps pay for towing and storage (If necessary) even if the crash is your fault. Collision is an optional additional coverage with ICBC.
What is Comprehensive Coverage or COMP?
Comprehensive coverage is similar to “All Risk” coverage. All perils are insured unless excluded in the policy wordings.
What is Specified Perils or SPEC?
Specified Perils insures your vehicle for loss or damage from fire, earthquake, explosion, lightning, windstorm, hail, rising water and theft. Specified Perils is typically a lower cost alternative to Comprehensive Coverage.
What is TPL or Third Party Liability for BC Car Insurance?
Third party liability is coverage in case you are in an at-fault crash. If you are responsible for a claim, you could be liable for damages including injuries, vehicle damage and other expenses for the other driver and their passengers. Basic Autoplan insurance with ICBC covers $200,000 coverage for Third Party Liability. Higher liability limits are available.
What is RoadStar?
The RoadStar Package includes Loss of Use coverage, Rental Vehicle Coverage, Vehicle Travel Protection and Lock Re-Keying.
Roadstar is sometimes also referred to as the discount level with ICBC. Once a driver reaches a 43% discount, they are considered Roadstar.
What is Roadside Plus?
Roadside Plus includes Loss of Use Coverage, Rental Vehicle coverage, Vehicle Travel Protection, Lock Re-Keying, Emergency Roadside Expense Repayment, Theft Deductible Waiver, Destination Assistance and Family Worldwide Transportation.
What is Underinsured Motorist Protection?
Underinsured Motorist Protection protects you if you are in an accident and the other driver is at fault but does not have enough insurance.
What does ICBC stand for?
The Insurance Corporation of British Columbia. More information about ICBC can be obtained on the ICBC website.
Can I gift a car to a friend?
With the new taxation law you can gift a vehicle to an immediate relation only including but not limited to: Spouse, Parent, Grandparent, Child (Spouse), Grandchild (Spouse) and Sibling (Spouse). Please pick up the appropriate form in our office. All other gifted vehicles will need to have a fair market value applied for taxation.
What information should I collect if I am car accident?
It is a good idea to record the following:
- Information on the other driver(s) including; drivers licence number and issuing province or state, name,address and phone number
- Information on the other vehicles involved ien the crash: Plate number and issuing province or state, Vehicle Identification Number, Registration number, Year, Make and Model of the car.
- Name and Contact information of witnesses
- Details on the accident, such as the direction the vehicles were driving and what lane the vehicle was in
- Where and when the accident took place
- Weather and road conditions
How can I get a BC car insurance quote?
To get an ICBC Autoplan quote, you can visit or call any AMC Insurance location in BC. Alternatively you can request a car insurance quote through our online quote request form. AMC Insurance can also provide auto insurance quotes for private car insurance in BC.
