もちろん人それぞれですがＩＣＢＣのミニマム？スタンダード？の保険は不十分でしょうか？皆さんオプションをどの程度つけてますか？まだしっかり内容を理解してないのでこれから読まないといけませんが、旦那はミニマムで十分と言い張るし、気の小さい私はそれでは不安だし。。自分がもう一度しっかり読み直して最後は自分で決めることなのですが参考までに教えてください。

Basicの＄２００，０００強制賠償責任保険だけでは自己責任で事故を起こしたとき、賠償責任が＄２００，０００以上超えることは頻繁にあるので、最低でも＄１，０００，０００に加入したほうがよいかも知れませんね。トピ主さんが運転に自信があって自分からは事故は起こさないというのであれば、強制だけでもいいと思います。

車両保険は車がとても古くて、衝突しようが盗難に遭おうがかまわないというのであれば加入する必要はないでしょう。でも車が比較的新しく、価値のあるものであれば盗難や衝突は頻繁に起きるので加入したほうがよいでしょう。

それぞれ人が持っている車の種類は違うし、運転能力も違うので他人と比べるのは無理でしょう。また自分が資産があれば事故を起こして賠償責任が生じたときに保険金額が足りなければ、自分の資産を崩してでも賠償をしなければなりません。夜、雨の多いバンクーバーで、歩行者に気が付かなくて、轢いてしまったなんて事故が多いし、弁護士も賠償責任だけは多く補償してもらったほうが良いと言ってました。

Understanding Basic and Optional Auto Insurance

Knowing the ins and outs of your auto insurance is critical if you want to be properly covered. With auto insurance changing, now more than ever it’s important to not just renew, but review your auto insurance.

Up until now, you’ve probably never thought about your auto insurance as consisting of two separate types of coverage. This will become more evident later this year when ICBC will be required to provide you with two separate policies to reflect the separate types of coverage. This extra step allows you to understand what it is that’s mandatory to buy, and what it is that’s optional to buy. You might even save money!

But, in order to save money and get the coverage that suits your needs, you first need to understand the difference between mandatory (or basic) insurance, and optional insurance.

Basic coverage is mandatory in B.C. and is only provided by ICBC through its network of Autoplan brokers.
It includes coverage such as $200,000 for Third-Party Legal Liability for accidents causing personal injury to a third party or damage to their vehicle.
Basic coverage includes accident benefits for motor vehicle accident injuries; and Hit-and-Run protection for a limit of $200,000.
Basic insurance makes sure all B.C. drivers have some insurance, but most motorists still buy extra ‘optional’ coverage for their vehicles. Optional coverage is available through ICBC or from private insurers and includes:

Collision ? covers damage to your own vehicle as a result of impact with another vehicle, person or object.
Comprehensive ? covers damage to your vehicle caused by something other than collision, such as fire, theft or vandalism.
Excess Third-Party Liability ? varying limits of liability are available. BCAA recommends vehicle owners purchase a minimum of $3 million.
Knowing the difference between basic and optional coverage means you’ll be in a better position to find the right coverage for your insurance needs.