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Comprehensive Coverage is considered optional rather than compulsory under ICBC Autoplan. This type of coverage typically protects against non-collision-related incidents such as theft, vandalism, or damage from natural events. In contrast, the other options represent essential components of auto insurance that are mandated for all vehicle owners in British Columbia.

Third Party Liability provides protection against claims made by others for injury or damage resulting from a vehicle accident, which is required by law. Accident Benefits offer coverage for medical expenses and other associated costs arising from injuries sustained in an accident, ensuring drivers have protection regardless of fault. Underinsured Motorist Coverage helps protect insured drivers if they are involved in an accident with a driver whose insurance is insufficient to cover the full extent of damages. These coverages are fundamental for ensuring a minimum level of financial protection and legal compliance for all drivers in the province.