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What types of damage does DCPD cover

Accidents happen u2014 but do you really know what your DCPD coverage includes? Many car owners are surprised to learn whatu2019s actually covered and what isnu2019t. In our latest blog, Begin Insurance explains the types of damage DCPD covers and how it protects you in real-world situations. Whether youu2019re new to car insurance or renewing your policy, this quick read will help you make smarter coverage decisions.Visit : https://begininsurance.ca/en/blog/what-types-of-damage-does-dcpd-cover

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What types of damage does DCPD cover

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  1. What types of damage does DCPD cover?

  2. What is DCPD? DCPD (Direct Compensation – Property Damage) is a key part of auto insurance in many Canadian provinces. It lets you claim vehicle damage costs from your own insurer if another driver is at fault, simplifying claims, speeding up repairs, and improving your experience. 1 begininsurance.ca

  3. Where DCPD applies? Mandatory in Ontario, Quebec, New Brunswick, Nova Scotia, and Prince Edward Island when the at-fault driver is insured and identifiable. 2 begininsurance.ca

  4. How insurers determine fault? When you file a claim, your insurer assigns a claims representative to thoroughly review the accident. They collect important information such as police reports, photos of the damage, witness statements, and any other relevant details. Using established Fault Determination Rules, the insurer evaluates the evidence to decide who is at fault. 3 If it’s determined that you share responsibility for the accident, the coverage is split accordingly. For example, if you’re 20% at fault, your insurer’s collision coverage would handle 20% of the repair costs, while DCPD would cover the remaining 80%, ensuring a fair and efficient claims process. begininsurance.ca

  5. Coverage provided by DCPD Vehicle Damage: Covers repairs to your vehicle’s body, windows, glass, and structural components when another driver is at fault and insured. Personal Property: Protects belongings inside your vehicle, such as electronics, clothing, and other items, if they’re damaged during an accident caused by another driver. Towing & Storage: Pays for towing and storage expenses if your vehicle is rendered inoperable due to a covered accident involving an identifiable, insured at-fault driver. 4 Loss of Use : Covers the cost of renting a vehicle or alternate transportation while your car is being repaired after an accident. Falling Objects : Provides coverage for damage caused by debris, branches, or other falling objects during a collision with another driver’s insured vehicle. begininsurance.ca

  6. What DCPD does not cover DCPD doesn’t cover personal injuries, which are handled by accident benefits. It also excludes accidents where you’re fully at fault or involved with uninsured drivers or hit-and-run. Non-collision events like theft, vandalism, fire, or weather-related damage aren’t covered and require comprehensive insurance instead. 5 begininsurance.ca

  7. Why DCPD matters DCPD simplifies the claims process by letting you work directly with your own insurer, reducing stress and delays. It ensures faster compensation and legal protection while enhancing your experience with seamless support. This gives drivers peace of mind, knowing they’re covered after a collision. 6 begininsurance.ca

  8. Thank You Thank you for reaching out! If you have any questions or need further assistance, call us at For any queries, call us at +1 (844) 774-6340 info@begininsurance.ca. We're here to help. 7 begininsurance.ca

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