There's a very good explanation of it all here:
https://gowlingwlg.com/en/insights-r...tish-columbia/


The parts that matter to foreign travellers having an accident in BC:

First party accident benefit entitlement

Out-of-province auto insurers can expect a significant reduction in the third party tort claims pursued against policyholders arising from accidents in British Columbia on or after May 1, 2021 as a result of the amendments to the I(V)A. However, insurers may experience an increase in claims made by insureds for first party accident benefits arising from accidents in British Columbia on or after May 1, 2021.
Out-of-province auto insurers may be required to pay Accident Benefit coverage to the mandatory minimum limits in British Columbia, whether or not the policy wording provides any First Party Personal Injury Protection ("PIP") coverage or not. This can arise where:

• The jurisdiction in which the policy was issued has enacted legislation requiring auto insurers to reform their policies to accord with the laws of the jurisdiction in which the accident occurred;
• If the insurer has been issued a Business Authorization in British Columbia, which contains the requirement that all coverages be reformed as a condition of doing business in British Columbia;
• The policy contains a provision that requires the insurer to pay higher benefits where required to do so by local laws of the place where the accident occurs; or
• If the insurer has filed a Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Powers of Attorney and Undertaking in the new form introduced in 1988.

If any of the foregoing apply, insureds from out-of-province who are involved in motor vehicle accidents in British Columbia are entitled to Accident Benefits up to the prescribed British Columbia minimum limits, whether the insured has purchased PIP coverage or not.
Priority of coverage

A driver, and any passenger(s) in their vehicle, may be entitled to Accident Benefit coverage from ICBC for motor vehicle accidents occurring in British Columbia on or after May 1, 2021 even if they are not a British Columbia resident or an ICBC policyholder.
However, ICBC coverage is secondary to any other applicable insurance policies to the extent of the alternative coverage available. If a person is entitled to Accident Benefits under an auto insurance policy issued by an out-of-province insurer, that coverage is primary with respect to Accident Benefits to which they are entitled regardless of whether they are also entitled to Accident Benefits from ICBC


...

Considerations for out-of-province auto insurers

The new amendments to the I(V)A and associated Regulations have barred tort claims arising from motor vehicle accidents in British Columbia on or after May 1, 2021 in all but very limited circumstances. Out-of-province auto insurers can, accordingly, expect a significant reduction in third party claims and lawsuits against insureds arising from motor vehicle accidents in British Columbia.
However, there will probably be an increase in the number of first party claims made by insureds.
Out-of-province auto insurers should be aware of the limited circumstances when tort claims arising from motor vehicle accidents in British Columbia occurring on or after May 1, 2021 may still be pursued against an insured, whether an insured is entitled to enhanced accident benefits to the British Columbia minimum and how to determine entitlement and calculate enhanced accident benefits.
Should you have any specific questions about this article or would like to discuss it further, you can contact the authors or a member of our Insurance and Professional Liability Group.

Basically you're ok, and mostly you just can't sue.


There's been a lot of kickback on this, and a lot of people are pissed, but we're stuck with it for now.

__________________
Grant Johnson
Seek, and ye shall find.
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Inspiring, Informing and Connecting travellers since 1997!
www.HorizonsUnlimited.com