🚗 Optional Auto in British Columbia: Collision, Comprehensive & Specified Perils 🇨🇦
In British Columbia, every driver must carry ICBC Basic Autoplan. But many don’t realize that optional auto coverages can provide the added protection needed for true peace of mind. Three of the most common choices are Collision, Comprehensive, and Specified Perils—each offering distinct advantages.
⚡ Collision Coverage
Covers damage to your vehicle if it’s involved in a crash with another vehicle or object—even if you’re at fault. For example, backing into a pole or being caught in a multi-car accident.
🌪️ Comprehensive Coverage
Protects against non-collision risks such as theft, vandalism, fire, falling objects, or weather-related damage (hail, windstorms, flooding). It’s the broadest form of protection outside of collisions.
🔥 Specified Perils Coverage
A more budget-friendly option that applies only to risks explicitly listed in the policy—such as fire, theft, or attempted theft. While less comprehensive, it can be a practical choice for older vehicles.
đź“Ś Why It Matters in BC
From icy mountain passes ❄️ to stormy coastal weather 🌧️, BC drivers face unique challenges. Depending only on Basic Autoplan can leave costly gaps, especially if your vehicle is damaged in situations it doesn’t cover.
âś… The Takeaway
Choosing between Collision, Comprehensive, and Specified Perils depends on your vehicle’s value, your budget, and your comfort with risk. A brief conversation with your broker can help you find the right balance of protection.
👉 Have you reviewed your auto coverage recently?
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