[underscore]

Hehe is right. Per ICBC https://www.icbc.com/insurance/produ...liability.aspx

​​Extended Third Party Liability coverage

If you're responsible for a crash, it could cost more than you think. Third Party Liability insurance protects you from the financial risk of an at-fault crash.

Your Basic Autoplan includes up to $200,000 in Third Party Liability coverage. But the costs of a crash could be much higher – and you could be responsible for the difference.
How does Extended Third Party Liability coverage help you?

Extended Third Party Liability protects you from having to pay costs that go above your Basic Autoplan limit.

Under Enhanced Care your financial risk for an at-fault crash is reduced. If you’re responsible, the other driver’s insurance covers the cost of their vehicle repairs. Additionally, Enhanced Accident Benefits will take care of anyone injured in an accident, regardless of who is responsible. That means for most crashes, it’s less likely that you’ll be sued if you’re responsible.

However, Third Party Liability is still important in certain circumstances (e.g. non-vehicle property damage or driving out of province). Third Party Liability coverage also protects you in situations where the law permits the other driver to sue.

Extending your Third Party Liability can give you additional peace of mind. You can increase your coverage to a limit of $5 million.