Which of the following is NOT included in Basic Autoplan coverages?

Basic Autoplan coverages in British Columbia include several essential protections designed to provide a safety net for drivers. Among these protections are Accident Benefits, which offer compensation for medical expenses and lost wages resulting from an injury sustained in an accident, regardless of fault. Underinsured Motorist Protection is another crucial aspect that safeguards drivers if they are involved in an accident with someone whose insurance is insufficient to cover the damages. Uninsured or Unidentified Motorist Protection provides financial coverage in the event of an accident with a driver who has no insurance or cannot be identified, ensuring that victims can claim for damages.

Own Damage coverage, however, is not part of Basic Autoplan. This type of coverage refers to protection against damage to your own vehicle, often included in optional insurance plans such as Collision or Comprehensive coverage. Drivers can purchase Own Damage coverage separately but it is not automatically included as part of the Basic Autoplan, which serves primarily to meet the mandatory liability and accident benefits requirements set by the Insurance Corporation of British Columbia (ICBC). This distinction explains why Own Damage is the correct answer to the question regarding what is NOT included in Basic Autoplan coverages.