Auto Insurance

A: Collision covers damage to your vehicle if you are in an at fault accident. Collision also helps pay for towing and storage (If necessary) even if the crash is your fault. Collision is an optional additional coverage with ICBC.

A:  Comprehensive coverage is similar to “All Risk” coverage. All perils are insured unless excluded in the policy wordings.

A: Specified Perils insures your vehicle for loss or damage from fire, earthquake, explosion, lightning, windstorm, hail, rising water and theft. Specified Perils is typically a lower cost alternative to Comprehensive Coverage. 

A: Third party liability is coverage in case you are in an at-fault crash. If you are responsible for a claim, you could be liable for damages including injuries, vehicle damage and other expenses for the other driver and their passengers. Basic Autoplan insurance with ICBC covers $200,000 coverage for Third Party Liability. Higher liability limits are available. For more information visit Extended Third Party Liability.

A: The RoadStar Package includes Loss of Use coverage, Rental Vehicle Coverage, Vehicle Travel Protection and Lock Re-Keying.

Roadstar is sometimes also referred to as the discount level with ICBC. Once a driver reaches a 43% discount, they are considered Roadstar.  

A: Roadside Plus includes Loss of Use Coverage, Rental Vehicle coverage, Vehicle Travel Protection, Lock Re-Keying, Emergency Roadside Expense Repayment, Theft Deductible Waiver, Destination Assistance and Family Worldwide Transportation.

A: Underinsured Motorist Protection protects you if you are in an accident and the other driver is at fault but does not have enough insurance. 

A: Rental Vehicle Coverage provides insurance for a rental car within Canada and The United States.  

A: Loss of Use coverage is coverage for a rental car, taxi or use of public transit if you cannot drive your vehicle due to an insured claim. There are different limits of Loss of Use coverage available from ICBC. Loss of Use coverage is also included in both the Roadstar Package and the Roadside Plus Package.

A: The Insurance Corporation of British Columbia. More information about ICBC can be obtained on the ICBC website.

A: The Insurance Corporation of BC (ICBC) issues BC Driver's Licenses.

A: In BC a driver’s license can be obtained at 16 years old.

A: Westland has Driver Services in many of the smaller cities in BC including, Sechelt, Whistler, Pemberton, Princeton, Tofino, Ucluelet, Osoyoos, and Keremeos. To find an ICBC Driver Service location near you visit Westland Insurance Driver Services or ICBC.

  

  

A: With the new taxation law you can gift a vehicle to an immediate relation only including but not limited to: Spouse, Parent, Grandparent, Child (Spouse), Grandchild (Spouse) and Sibling (Spouse). Please pick up the appropriate form in our office. All other gifted vehicles will need to have a fair market value applied for taxation.

A: Yes, you can trade a vehicle straight across with someone. You will need to complete the trade agreement form and transfer form appropriately. A value for the trade will need to be determined and full details of the vehicle or taxable item declared.

A: You can report an ICBCclaim online or by calling 604-520-8222 (1-800-910-4222 outside the Lower Mainland).

To report a Westland Green Private Auto claim please call 1-866-464-2424.

A: It is a good idea to record the following:

• Information on the other driver(s) including; drivers licence number and issuing province or state, name,address and phone number
• Information on the other vehicles involved ien the crash: Plate number and issuing province or state, Vehicle Identification Number, Registration number, Year, Make and Model of the car.
• Name and Contact information of witnesses
• Details on the accident, such as the direction the vehicles were driving and what lane the vehicle was in
• Where and when the accident took place
• Weather and road conditions