Copyright (c) Queen's Printer, Victoria, British Columbia, Canada

IMPORTANT INFORMATION

Insurance (Vehicle) Act

Insurance (Vehicle) Regulation

[includes amendments up to B.C. Reg. 423/2008, June 1, 2009]

Contents
Part 1 — Interpretation
	1	Interpretation
	1.1	Universal compulsory vehicle insurance
	2	Application
	2.1	Repealed
Part 2 — Owner's Certificate
	3	Application for owner's certificate
	4	Interim owner's certificate
	5	Term of certificate
	6	Renewal of certificate
	7	Interpretation Act
	8	Leased vehicles
	9	Mid-term changes
	10	Effect of owner's certificate
Part 3 — Premiums for Universal Compulsory Vehicle Insurance
	Division 1 — Interpretation
	11	Interpretation
	Division 2 — Premiums, Interest and Prior Debt
	12-15.1	Repealed
	15.2	Interest on refunds
	15.3	Repealed
	15.4	Rounding of premiums, refunds and discounts
	15.5-15.6	Repealed
	15.7	Registrant liable for prior debt
	15.71	Interest recovery on unpaid premium
	15.72	Default in arrangement
	15.73	Liability for unpaid amounts
	15.8	Service charge
	Division 3 — Applications for Certificates
	16	Interpretation
	17	Application
	18	Declaration of entitlement
	19	Premium for certificate
	20-24	Repealed
	25	Forfeiture
	26	Repealed
	27-29	Repealed
	Division 4
	30-37.1	Repealed
	Division 5
	38-41	Repealed
	Division 6
	41.1-41.4	Repealed
Part 4 — Driver's Certificates
	42	Interpretation
	43	Certificate incorporated in licence
	44-44.2	Repealed
	45	Notice of assessment
	45.1-46	Repealed
	47	Rounding and prorating of premiums and refunds
	48	Application of other sections
	49	Indemnity
	49.1	Limit of liability
	49.2	Priority of claims
	49.3	Other coverage
	50	Other insurance
	51	Repealed
Part 5 — Conditions of Certificate
	52	Substitute vehicles
	53	Leased vehicle coverage
	54	Extension of coverage on seizure
	54.1	Repealed
	55	Breach of conditions
	56	Exclusion
	56.1	Special coverage certificate
	57	Garage exclusion
	58	Repealed
	58.1	Financial assistance
	59	Waiver of term or condition
	60	Ex gratia payments
	61	Extraprovincial undertakings
	62	Repealed
Part 6 — Third Party Liability Insurance Coverage
	63	Interpretation
	64	Indemnity
	64.1	Repealed
	65	Extension of indemnity
	66	Extension of indemnity to passenger
	67	Limit of liability
	68	Priority of claims
	69	Additional payments
	70	Combination of vehicles
	71	Trailers
	72	Restrictions on indemnity — attached equipment
	72.1	Restrictions on indemnity
	73	Duties of insured
	74	Duties of corporation
	74.1	Rights of corporation
	75	Appointment of attorney
	76	Limitation
	77	Other insurance
Part 7 — Accident Benefits
	78	Interpretation
	79	Coverage and benefits
	80	Disability benefits for employed persons
	81	Deduction of other benefits
	81.1	Employment during total disability
	82	Payments under Workers Compensation Act
	83	Unemployment benefits
	84	Disability benefits for homemakers
	85	Waiting period
	86	Disability beyond 104 weeks
	87	Review of benefits
	88	Medical or rehabilitation benefits
	89	Arbitration
	90	Power to terminate benefits for refusal to undergo treatment or training
	91	Funeral expenses
	92	Death benefits
	93	Supplemental, additional and survivor's death benefits
	94	Rules for payment of death benefits
	95	Sixty day rule and common disaster
	96	Restriction on benefits
	97	Notice of claim
	97.1	Repealed
	98	Medical certificates
	99	Medical examination
	100	Autopsy
	101	Time of payment
	102	Alteration of form of payment
	103	Limitation
	104	Other insurance
Part 8 — Third Party Rights Occasioned by Uninsured or Unidentified Motorists
	105	Limit of liability
	106	Exclusion of other insured loss
	107	Conditions of liability
	108	Forms
Part 9
	109	Repealed
	110-112	Repealed
	113-125	Repealed
	126	Repealed
	127-146.18	Repealed
Part 10 — First Party Coverage
	Division 1 — Inverse Liability and Uninsured or Hit and Run Accidents Outside British Columbia
	147	Inverse liability
	148	Uninsured or hit and run accident in Nunavut, the Yukon, Northwest Territories or United States of America
	Division 2 — Underinsured Motorist Protection
	148.1	Underinsured motorist protection
	148.2	Restrictions on liability
	148.3	Underinsured motorist protection for other certificate holders
	148.4	Excluded vehicles
	148.5-148.6	Repealed
	148.7	Repealed
Part 11 — Special Coverage Certificates
	149	Compulsory special coverages
	150	Compulsory special coverages for garage certificate
	150.1	Garage certificates are primary insurance
	151	Coverage for unnamed owner
	152-153	Repealed
	154	Expiry date of special coverage certificate
Part 12 — Fleetplan
	155	Interpretation
	156	Fleetplan application
	157	Designation of fleet operator and fleet identity number
	158	Disclosure of fleet identity number
	159	Continuation
	160	Cancellation
	161	Responsibility of fleet operator
	162	Designated expiry month
	163-164	Repealed
	165	Power of attorney
	166	Cancellation of insurance on bankruptcy or winding up
	167	Fleet premium adjustment
	168	Fleet reporting policy
Part 13 — Optional Insurance Contracts
	169	Application of terms and conditions
	170	What must be printed on an extension policy
	170.1	Rounding of premiums and refunds
	171	Extended underinsured motorist protection
	172	Payment of costs and interest
	173	Rights of insurer
	174	Exceptions from liability
	175	Nuclear energy hazards
	176	Disputes about vehicle loss or damage
	177	Arbitration process
	178	Priority of claims
	179	Other priorities
Part 14 — Vehicle Actions
	180	Net income loss
Part 15 — Lessor Liability
	181	When section 82.1 (1) of the Act does not apply
Schedule 1 and 2
Schedule 3
Schedule 3.1
Schedule 4
Schedule 5 and 6
Schedule 7
Schedule 8 and 9
Schedule 10