Insurance in BC

In British Columbia (BC), vehicle insurance is mandatory for all drivers. The Insurance Corporation of British Columbia (ICBC) is the province's public auto insurer, providing basic coverage known as Autoplan. This mandatory insurance includes third-party liability , accident benefits, and protection against underinsured drivers. Drivers can also purchase optional coverage, such as collision and comprehensive insurance, to protect their vehicles further. To obtain insurance, vehicle owners must visit an authorized broker , where they provide vehicle details and driving history to determine their premium. The cost of insurance depends on factors like driving experience, claim history, and vehicle type. Ensuring proper insurance coverage is essential for road safety and financial security in case of accidents.