Auto Insurance

ICBC www.icbc.com

Since 1974, ICBC (Insurance Corporation of BC) has been providing insurance coverage for all motor vehicles licenced and insured in the province. ICBC is the sole provider of Basic Autoplan and must provide coverage to all vehicle owners who licence and insure their vehicles in BC. Recently, new government legislation has opened up the optional coverage market to Private Insurance.

Dave Dale Insurance currently represents the private auto insurance company ING Canada.


ING Canada www.ingcanada.com

Basic Compulsory Auto Insurance

All BC motorists must have Basic Autoplan coverage, no matter what they use their vehicle for. It provides you with the minimum coverage that the law requires you to have to drive on BC roads.

This coverage includes five main types of coverage:

Accident Benefits
These pay for your injury-related medical and rehabilitation expenses in the event of a crash, no matter who is at fault.

Third-Party Legal Liability
Basic auto insurance also provides you with $200,000 worth of coverage in case you are found at fault in an accident and are responsible for causing injury or damage to someone else's property.

Underinsured Motorist Protection
Hit-and-Run
Inverse Liability Coverage

What Basic Does Not Cover
Most people choose to increase their third-party liability limit, and add collision and comprehensive coverage. These coverages are considered Optional and ICBC no longer is the sole provider of this portion of your auto insurance - Private Auto Insurance is now available in BC