WSTLA – August 5, 2017
If you are representing clients that have been injured in a motor vehicle accident in British Columbia or involving a British Columbia insured (a mixed jurisdiction case), you need to have a basic understanding of the insurance scheme that governs British Columbia motorists. BC law can become relevant for both first party and third party coverage when you are dealing with a mixed jurisdiction case and not understanding when it can become relevant or the particulars of the legislation can set you up for malpractice.
Each US state and each Canadian province has legislation governing the insurance of motor vehicles including the content and minimum coverages that are required for policies issued in their jurisdiction. The legislation includes considerations relevant to minimum first party coverage, third party liability as well as uninsured or underinsured motorist coverage. There are substantial differences between jurisdictions and the first step in understanding the implications when an accident occurs either in a different jurisdiction than where the insured resides or with another party insured in a different jurisdiction is an understanding of the legislated minimums of the other involved jurisdiction.
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