The UMP Scheme for BC Residents
Every person in BC holding a driver's licence, or an owner's certificate for a vehicle, or who lives in the household of a person who holds a driver's licence or owner's certificate for a vehicle, is entitled to $1 million dollars in underinsured motorist protection ("UMP").
UMP is significant for BC residents injured in the United States. In the US, many States have very low insurance coverage requirements. For example, in California a driver can insure a car and drive it with a policy that provides for only $15,000 of compensation for each person the driver injures in an accident up to a maximum of $30,000.
All BC residents should purchase excess UMP to protect themselves and their family members.
For about $25 a year, BC residents can increase their UMP coverage from $1 million to $2 million. This can be done at any time through an Autoplan broker or when renewing a driver's licence or vehicle owner's certificate.