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If you are seriously injured by a motorist in B.C., whose coverage is not sufficient to cover your damages, then there is something called underinsured motorist protection (UMP) that would cover you for up to $ 1 million dollars. Such coverage is part of your own basic autoplan policy.
This would cover you as a driver, passenger, pedestrian, or cyclist. The coverage is also available for members of your household when you own or lease a vehicle, and includes up to $ 1 million dollars per person.
Excess underinsured motorist protection is also available for up to $2 million per person, which many people have.
Please contact Veale Law for a free consultation if you are faced with a situation where the at-fault motorist is underinsured.