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Shut the front door!

“Shut the front door! I didn’t even know about this? I used to work for them!”

That was the animated reaction from a friend of mine who used to sell ICBC insurance. I had just told her about the availability of increased disability benefits when purchasing ICBC insurance.

She went on to tell me that she won a trip once for ‘upselling’ insurance, i.e. using her sales skills to convince insurance patrons to increase their ICBC insurance coverage. In other words, if anyone was familiar with extra insurance benefits, it would be someone like her.

Might I qualify for a trip as a result of this column? I am about to inform you about a type of extra insurance that is available from ICBC that I had never heard about myself until about a month ago. I suspect that I represent the vast majority of British Columbians in that regard, and perhaps the vast majority of insurance brokers as well.

I have written before about liability insurance, which kicks in when you are the ‘at fault’ driver, to pay fair compensation for injuries and losses suffered by your victims. I have done my share of upselling in previous columns, recommending that you buy more than the $200,000.00 minimum, because fair financial compensation for injuries and losses can run into the millions.

This time, I am writing about basic insurance coverages that come packaged with your liability insurance when you purchase an Autoplan policy from ICBC.  These coverages are to protect you in case you, yourself, are injured, and are available regardless of whether or not you are the one who caused the crash.

One such coverage provides disability benefits if you are disabled from working as a result of your crash injuries (Total Temporary Disability benefits, or “TTDs”).  A maximum weekly benefit of $300.00 comes standard with your Autoplan policy.

TTD benefits are 75% of your average weekly income. If your income is $400.00 or less ($20,800.00 annually), you are not affected by the $300.00 weekly maximum. Put another way, the $300.00 weekly maximum will impact you if you earn more than $20,800.00 annually.

Get confirmation from your insurance broker on the current premium expense, but I believe that it’s only an extra $84.00 to increase the maximum benefit to $700.00 per week. That increased maximum will provide 75% coverage for an annual income up to $48,533.33.

A bonus to this increased disability protection is an increase to a basic death benefit, if a crash or collision causes your death, from $5,000.00 to $20,000.00 if you fall within a head of household definition.

These increased disability and life insurance coverages are not impacted by your health, i.e. you need not complete any health questionnaire.

Please be clear that I have no expertise in insurance coverages. For reliable information about your Autoplan insurance policy and the availability of excess insurance, please consult with your insurance broker. Don’t be surprised, though, if your broker needs to look it up.

This article is written by or on behalf of an outsourced columnist and does not necessarily reflect the views of Castanet.



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About the Author

Lawyer Paul Hergott began writing as a columnist in January 2007. 

Achieving Justice, based on Paul’s personal injury practice at the time, focused on injury claims and road safety.  It was published weekly for 13½ years until July 2020, when his busy legal practice no longer left time for writing.

Paul was able to pick up writing again in January 2024. After transitioning his practice to estate administration and management.

Paul’s intention is to write primarily about end of life and estate related matters, but he is very easily distracted by other topics.

You are encouraged to contact Paul directly at [email protected] with legal questions and issues you would like him to write about.



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The views expressed are strictly those of the author and not necessarily those of Castanet. Castanet does not warrant the contents.

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