🚗 Underinsured Motorist Protection (UMP) in British Columbia 🇨🇦
No one expects to be in a serious collision. But what happens if you’re injured in a crash caused by another driver who doesn’t have enough insurance to cover the damages? That’s where Underinsured Motorist Protection (UMP) comes in—a vital yet often overlooked part of BC’s auto insurance system.
⚡ What Is UMP?
UMP provides coverage if you or your passengers are injured in an accident where the at-fault driver’s liability insurance falls short. In BC, Basic Autoplan automatically includes $1 million in UMP protection.
💡 Why It Matters
- Medical expenses, rehabilitation, and lost income can quickly exceed the limits of another driver’s policy.
- U.S. road trips 🇺🇸 carry added risk, as liability limits are often much lower than in Canada.
- Serious collisions can leave families facing long-term financial hardship without adequate protection.
✅ Optional Increases
Drivers can purchase higher UMP limits—up to $5 million or more—through ICBC or private insurers. For many BC families and business owners, raising those limits is a cost-effective way to strengthen financial security.
📌 The Takeaway
UMP helps ensure you’re not left paying the price for someone else’s lack of coverage. Reviewing your limits is especially important if you travel frequently, have dependents, or simply want added peace of mind.
👉 Have you reviewed your UMP limits lately?
#ICBC #UnderinsuredMotorist #UMP #AutoInsurance #BritishColumbia #RiskManagement #InsuranceCanada #BCDrivers #harpreetsingh
