What Is Direct Compensation-Property Damage (DCPD)?
Direct Compensation-Property Damage (DCPD) is the Ontario auto coverage that pays for damage to your vehicle and its contents when another driver is at fault. It is called “direct” because you deal with your own insurer, who pays you directly.
DCPD applies when the accident happens in Ontario, both vehicles are insured, and another party is at least partly at fault. It is a standard part of Ontario auto policies and works alongside your collision coverage: your broker can explain how the two fit together.
Frequently asked questions
What does DCPD cover in Ontario?
DCPD covers damage to your vehicle and its contents, plus loss of use such as a rental car, when another driver is at fault in a collision in Ontario. Your own insurer pays the claim directly, based on Ontario's Fault Determination Rules.
Is there a deductible on DCPD?
There is typically no deductible on DCPD when you are not at fault. If you are partly at fault, DCPD pays only for the share of the damage you were not responsible for.
Does DCPD apply to an accident outside Ontario?
No. DCPD applies only to collisions that happen in Ontario and involve at least one other insured vehicle. Damage to your vehicle in an accident elsewhere is generally handled under your collision coverage or through a claim against the at-fault driver.
Questions about Direct Compensation-Property Damage?
Our Ontario brokers can explain how it applies to your policy.
Talk to a Roughley broker