Enhanced Care is a whole new way of doing auto insurance, one that lowers the price of insurance for drivers in British Columbia while providing everyone with access to significantly better care and recovery benefits if they are injured in a crash. Under Enhanced Care, which comes into effect on May 1, 2021, if you are hurt in a crash, you can have the peace of mind that you will get the care and recovery benefits you need, for as long as you need them.
Visit ICBC’s insurance partner pages on icbc.com to find out more information about what Enhanced Care mean for your coverage.
You can also visit ICBC’s dedicated Enhance Care Coverage site. As always, your Autoplan broker can answer your questions about Enhanced Care and provide advice on what coverages are right for you.
Learn more about the Enhanced accident benefits here.
Basic Vehicle Damage Coverage
Basic Vehicle Damage coverage will be included in ICBC’s Basic Autoplan insurance as of May 1, 2021.
It works like this: if you are driving in B.C. and another driver crashes into your vehicle, your own Basic Vehicle Damage coverage will cover your repair costs. This represents a change from the current system, under which the insurance policy of the driver responsible for a crash covers the other driver’s damaged vehicle. Just like today, if you are not responsible for the crash, it will not impact the cost of your insurance. Basic insurance will cover you for up to $200,000 and your insurance premiums won’t be impacted if you are not responsible for the crash.