I am looking at the point of getting lots of extra 3rd party liability if they capped the payouts. Have a look at this link,
https://www.icbc.com/partners/health...artners-qa.pdf
So minor injury payout is $5500. Death benefit it $30,000. The new overall recovery cost is $300,000 but this has to be a major injury. You can't trust what the autoplan agent is saying, they just want to sell everything. According to this, in order to need $5mil 3rd party liability you will have to hurt lots of people. If they all die you can hit 166, if they live you can only seriously injure 16. The definition of minor injury pretty much covers everything short of permanent brain damage or losing limbs.
So many changes. I'm thinking about lowering my 3rd party for others not a bad idea of putting it into another policy for myself.