In my continued efforts to publicly summarize ICBC UMP Arbitration Decisions, reasons for judgement recently have been provided to me dealing with the restriction on ICBC UMP Coverage in circumstances where a vehicle occupant is injured through the negligence of a motorist who did not have the vehicle owner's consent to operate. In the unreported 2003 UMP Decision ( D v. ICBC) the Claimant was injured in a 1998 collision. He was the occupant of a vehicle driven by MV. MV did not have the registered owner's consent to operate the vehicle. MV was given permission to drive by J who was the registered owner's son. J initially obtained the vehicle with the owner's consent. J did not have the owner's permission to allow others to operate her vehicle. The claims arising from the crash exceeded the damages available under section 20 of the Insurance (Vehicle) Act. The Claimant applied to have his excess damages paid under his own Underinsured Motorist Protection coverage with ICBC.