THOUSANDS OF people
become new customers of
ICBC each year.

Many are brand new motorists
dealing with auto insurance for the
first time. Others are new to B.C.
and to our public auto insurance
system.

Whether you belong to either
group, you should know some of
the basics about auto insurance in
B.C. This week, especially for the
new drivers, we'll look at the
various coverages. Next week,
we'll explain some of the dif-
ferences between ICBC and private
auto insurance for the benefit of
those people who have just arrived

Ken Hardie

INSURANCE
CORPORATION

OF BRITISH COLUMBIA

from other parts of Canada.

The Insurance Corporation of
B.C.. is a provincial crown cor-
poration and is owned by the citi-
zens of British Columbia. Since
1974, it has provided B.C.
motorists with a basic auto in-
surance package which must be
purchased before a vehicle can be
licensed for use on the road.

ICBC auto insurance is called
Autoplan, and is sold by over 800
‘private, independent insurance
brokers across B.C.

The basic package includes
$200,000 in third party jegal liabil-
ity coverage, in case you cause an
accident that injures someone or
damages their property. It also in-
cludes ‘‘no-fault”’ accident benefits
which can pay up to $150,000 in
medical and rehabilitation
benefits, death benefits and/or
compensation for lost earnings, no
matter who is at fault in an acci-
dent.

Inverse liability pays for loss or
damage to a B.C. vehicle if it is
involved in an accident in Canada
or the U.S. where the right to re-
cover losses is legally prohibited,
or if the person responsible for the
accident lives in one of those
places. Your basic insurance
package also protects you against
uninsured and unidentified
motorists when the accident occurs
on a highway in the Yukon or
Northwest Territories, or in states
in the U.S.A. that do not have a
pian similar to ours.

All of this is included in your
basic Autopian insurance package

Cars look like new
From page 20

According to Ford, improving
the appearance of a car will help
improve its retail value substantial-
ly. **E estimate that almost any car
is worth at least $500 more after
we've finished with it,’’ he says
confidently.

Whiie Ford has detailed such
collectibie cars as a 1936 LaSalle, a
1941 Packard, and exotic cars such
as Porsches and Ferraris, he
stresses that auto detailing is not
just for high-priced automobiles.

“We don’t want to scare away
people with Camrys, Fords and
other so-called ordinary cars.
Detailing applies to everyday cars
just as well as the exotics.””

21 - Friday, Wiay 25, 1990 - North Shore News

AUToOoWM™M OTIV ES

Know your Autoplan basics

from ICBC.

There are other coverages which
you can buy from ICBC or from
any private insurer willing to sell
them to you. They include increas-
ed third party liability coverage —
most people in B.C. carry at least
$1 million.

Comprehensive coverage in-
cludes protection in the event your
windshield is cracked or broken,
all or part of your vehicle is stolen
or vandalized or if it catches fire or

is damaged by falling deb:is. Col-
lision coverage wiil pay for the
damage you cause to your own
vehicie.

ICBC also sells underinsured
motorist. protection, which can
protect you up to your own third
party limit if you are injured by a
motorist not carrying enough
coverage to pay for the loss you’ve
suffered. Other optional insurance
Products include a limited
depreciation policy for new vehi-

cles and loss of use coverage which
will reimburse you in the event that
you have to pay for a substitute
vehicle.

Motorists can also purchase
short term license and insurance
for periods of six to 11 months.

If you need more information
on the various ICBC Autoplan
coverages, talk to your
neighborhood insurance broker.
All brokers can supply you with
brochures which explain the dif-

ferent types of auto insurance pro-
tection and services available from
ICBC.

In fact, there’s one entitled Now
that you're licensed to drive in
B.C... which covers some impor-
tant information for new
motorists.

Next week, a look at how your
insurance premium is calculated
and at some of the ways ICBC dif-
fers from insurers in other pro-
vinces.

STARTS MAY THRU TO MAY
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