Direct Compensation Property Damage Auto Insurance in Edmonton, Alberta
Alberta has changed how vehicle damage claims are handled after accidents.
As of January 1, 2022, your auto insurance policy will now include mandatory Direct Compensation Property Damage (DCPD) coverage. The goal is to simplify the claims system, making the process faster and easier for you.
DCPD does not change your overall coverage, only who pays for the physical damage.
- If you’re involved in an accident where another driver is at fault, your own insurance company will pay for repairs to your vehicle.
- If you’re partially at fault, your DCPD coverage will only cover a percentage of repairs.
- If you’re at fault, you will not have coverage under DCPD, and you’ll need collision or all-perils protection to have repairs to your vehicle covered.