What is DC – PD coverage?

At a glance: Direct Compensation – Property Damage (DC – PD) coverage provides compensation for you when your vehicle is damaged in an accident caused by someone else.

DC-PD also covers the loss of use of your vehicle as well as your belongings in the car. It is a mandatory component of your auto insurance in Ontario, and is included with all basic auto insurance policies.

When does direct compensation – property damage coverage apply?

There are certain conditions that must be met before Direct Compensation – Property Damage coverage comes into effect:

  • The accident was not your fault or not entirely your fault
  • One or more other vehicles were involved in the accident
  • At least one of the other vehicles is insured
  • The accident occurred in Ontario

If all of these conditions are not met, you may still have some coverage under the collision section of your insurance policy if you chose to have it. Also if an uninsured or unidentified driver caused the collision, you may be eligible for some reimbursement thanks to Uninsured Automobile Coverage, which is another mandatory section of Ontario auto insurance.

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How does direct compensation – property damage coverage work?

The term “direct compensation” refers to the fact that your own insurance company will compensate you directly for the damage to your vehicle and your possessions inside it. You do not have to pursue the person who was at fault to pay for your damages, so you can see how direct compensation is a tremendous convenience in a difficult situation.

Have questions about direct compensation – property damage coverage?

If you have any questions or concerns about any aspect of your auto insurance, feel free to reach out to one of our auto insurance brokers for expert advice and no-obligation quotes on auto insurance. 1-800-731-2228 or email us at info@nullmitchinsurance.com. We’d be happy to talk with you about insurance of any kind.

You are unique, so are your insurance options.

As a brokerage for over 70 of Canada’s top insurance companies, we have access to a wide range of insurance solutions at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them.