New ICBC Optional UMP Coverage You Must Have

By Paul Mitchell, Q.C.
Categories: Blog, Personal Injury

New Underinsured Motorist Protection (UMP) options are now available from ICBC. Learn why you should take advantage of this new option for UMP.

Extension Underinsured Motorist Protection

Getting into a collision is stressful enough. Finding out the other driver doesn’t have enough coverage is even worse. When it comes to auto insurance, it’s a good idea to look out for yourself and your family, rather than rely on other drivers to have enough coverage. A serious crash could leave you with medical costs, and substantial loss of income, for the rest of your life. Extension Underinsured Motorist Protection (UMP) increases the protection provided under your Basic Autoplan, if the other driver doesn’t have enough insurance.

Top up your Basic Autoplan with Four Coverage Options

With Extension UMP, you can now get a total UMP limit of up to $2 million, $3 million, $4 million or $5 million (includes $1 million Basic UMP). You can also change, add or cancel your coverage at any time.

How does Extension Underinsured Motorist Protection help you?

If you’re in a crash where the driver at fault doesn’t have enough insurance, your total UMP limit will cover things like medical costs, rehabilitation and lost wages for:

  • you and all members of your household in the vehicle with Extension UMP coverage*
  • you and all members of your household who are injured as pedestrians or cyclists, or in a vehicle other than your own.

Get coverage for each Vehicle in your Household

*For complete protection, each vehicle in your household must have Extension UMP added to the vehicle coverage so that you and your loved ones will be covered in all the vehicle(s) that you own.

Note: Underinsured Motorist Protection coverage doesn’t apply to crashes in provinces or states where the law doesn’t allow you to sue and recover damages for injury or death caused by a vehicle crash.


Paul Mitchell, Q.C. is a BC personal injury lawyer who is a Past Member of the Board of Governors of the BC Trial Lawyers Association. He has extensive experience with severe injury claims, including brain injury claims, spinal injury claims, bicycle claims, death claims, ICBC claims, and other catastrophic injury claims. He is acts for injured clients all over BC and Alberta, and will not act for ICBC or any other insurance company. For more information on this article, or for a confidential discussion of your personal injury claim, contact Paul Mitchell, Q.C. at 250-869-1115 (direct line), or send him a confidential email at mitchell@pushormitchell.com.