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Published on Jul 09, 2012

Valid Auto Insurance is the law - Don't leave home without it!

As per law in order to drive in British Columbia it is mandatory for all British Columbia drivers to be covered under the minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in British Columbia can lead to numerous fines and place you in a sorely disadvantaged position when being considered for future auto insurance quotes and policies.

If you are found driving without a valid British Columbia auto insurance policy you could be:
  • Fined anywhere from $5,000 to $50,000
  • Your driving license could be suspended and your vehicle impounded
  • After being convicted of driving without valid auto insurance you could now be identified as a "high-risk" driver which would put you at a disadvantage and prevent you from being able to enjoy future savings on insurance rates from any British Columbia insurance providers
If you are involved in an accident without a valid British Columbia auto insurance policy you could be:
  • Denied entitlement to receive any form of accidents benefits insurance for loss of income, hospital expenses etc
  • Denied the option to sue an at-fault driver for compensation for any injuries sustained during the accident
  • In the case of an at-fault accident, held personally responsible for the medical costs/losses incurred by the individual harmed

Mandatory Insurance Coverage in British Columbia

The British Columbia government requires drivers to have car insurance. Fortunately insurance companies in British Columbia give more than just auto insurance coverage; they offer flexible car insurance options to provide you with specific protection rates matching your income. Different car insurance companies offer different auto insurance rates, some rates being more economical than others. Before seeking these British Columbia auto insurance companies out, you must know the basic car insurance laws in British Columbia.

As per British Columbia law at a minimum your auto insurance policy must include Third party Liability and Accidents Benefits coverage.

Third Party Liability Coverage in British Columbia

- Provides coverage in a situation where you are liable to pay for collision resulted damages to another person (injury/death) or damages to their property

Coverage Limits

The minimum requirement is $200,000.

 Accidents Benefits Coverage in British Columbia

- Provides benefits that you, certain family and passengers are entitled to receive if injured or killed in a collision. These benefits include income replacement; payment for medical treatment and rehabilitation costs; payment for funeral expenses and payment for grief counselling for family members.

Auto Insurance Coverage Provider in British Columbia

Government (government and private insurers compete for optional and excess coverage)


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