What happens if I’m at fault in an accident?
If you are at-fault in an accident then your collision coverage (if you have it) will cover the costs for damage to your vehicle. If you don’t have collision coverage you will pay these expenses out-of-pocket. This is the same as the previous system.
If you are 50% at-fault then you will pay 50% of the damages either through your collision coverage or out-of-pocket and 50% (the not-at-fault portion) will be paid through your DCPD coverage.
Any medical or rehabilitation expenses will be covered by your Accident Benefits regardless of who is at fault.
Will the at-fault driver be held accountable even though my policy pays for the damage they caused?
Yes, the at-fault driver will always be held accountable. Even though your insurer pays for your loss, the at-fault driver will have the accident added to their driving record.
Will making a DCPD claim affect my premium?
In many cases – particularly for personal auto insurance – if you are 100% not at-fault in an accident, making a DCPD claim will not affect your premium. In other cases – especially commercial auto insurance – the answer is less clear. For specific inquiries please contact us! We are working hard to assist you, our customer, with all the implications DCPD has and to serve you the best way we can.
Can I still sue for damages with DCPD?
Yes, DCPD only applies to damage to the vehicle and its contents, it does not cover other damages such as injuries or additional property damage.
DCPD does not prevent drivers from pursuing legal action for other damages.
Do other Canadian provinces have this kind of Car Insurance?
Yes. DCPD coverage is already used in several provinces, including: Ontario, Quebec, Nova Scotia, New Brunswick, Newfoundland and Prince Edward Island.
How is fault determined in a collision?
DCPD Regulation helps determine the degree of fault for the collision. Your insurers claim representative will use these regulations as well as information about the accident to assess responsibility. This information is gathered from sources such as statements from other drivers, witnesses or passengers as well as police reports and estimators.
See examples of how DCPD regulation works in various accident scenarios:
Does DCPD coverage have a deductible?
DCPD coverage automatically comes with no deductible. It may be possible to add one to your policy.
Find out how DCPD will affect you! Call CMB Insurance at 780.424.2727 or click below to get a quote.