Who is Entitled to Part VII Benefits

If you meet the definition of “insured”, you are entitled to Part VII coverage

Generally, anyone injured or killed in a motor vehicle accident in British Columbia, or any B.C. resident injured or killed in a motor vehicle accident in North America, is entitled to Part VII benefits either from ICBC or from another non-ICBC car insurer. Section 96 of the Regulations sets out the various situations where no Part VII coverage is provided but those are rare.

The Regulations describe who is entitled to Part VII benefits by defining an “insured” in Section 78 of the Regulations. If you meet the definition of “insured”, you are entitled to Part VII coverage.

For an out-of-province insurer, the law in B.C. requires that the non-ICBC insurer provide coverages equivalent to the ICBC level of no-fault coverage when the out-of-province vehicle enters B.C. and is involved in an accident.

In a few Provinces, such as Ontario, Manitoba and Quebec, the amount of no-fault coverage is greater than that provided by ICBC. If the accident occurred in one of the no-fault Provinces or occurred in B.C. but involved a vehicle insured in one of the no-fault Provinces, there is a good chance that greater no-fault benefits would be available than what ICBC has to offer.

 

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