Direct compensation agreements exist in Ontario to improve the claims process. In the past, if you were involved in a non-defective accident, your insurer would sue drivers for damages. This has often been a long time and has delayed the payment of fees. Direct compensation agreements simplify the process. If you are involved in an accident with an uninsured driver and you are not at fault, the right is filed under the heading of the uninsured automobile insurance of your policy. No, most policyholders do not have an insurance deduction for direct claims for compensation and compensation. This is the case because it is not your fault. However, in the case of a portion of your claim covered by collision coverage, you must pay the right to the collision. In essence, this means that you are dealing with your insurer for all error and accident claims. You don`t have to wait for the other driver`s insurance to make a decision to process your claim.
You do not have to sue the driver for damages. You will be directly compensated by your insurer. There are of course many out-of-control situations that do not allow you to claim a recovery under DCPD. Maybe the other driver is from another province or the United States. In these cases, you can claim a claim under optional collision coverage if you have it, whether you are responsible or not. If you`re in a car accident and your insurer finds out you weren`t responsible, one of the first questions you probably have is, « If it`s not my fault, do I have to pay a deductible? » While each situation is unique and there is no quick and easy response, here are some factors that can determine if you need to pay. Ontario has an interference protection system in place. This does not mean that you are never responsible for a car accident, but that your own insurance pays your rights, whether you are at fault or not. This means that you don`t have to wait for the insurance to detect an error or be related to the driver`s insurance of the error, which has the effect of speeding up the processing of your claim. If you do not have to pay a deductible If you are not responsible for a car accident, claims are usually covered by the direct property ownership compensation coverage (DCPD) of your insurance policy.
Often the DCPD cover has a .0 of the trigger. This means that if you are not guilty and DCPD coverage applies, the damages are fully covered by your insurer and you do not have to pay a deductible. If DCPD is not used, there are limit values for the use of DCPD. In order for DCPD to apply, the company that insures the other vehicle involved in the accident must either sell auto insurance in Ontario or agree to comply with DCPD rules in Ontario. Insurance plans differ in Canada and not all provinces follow DCPD rules.1 This means that even if you drive in Ontario, if the other driver is from a province or country that has not agreed to follow dcPD rules, DCPD coverage does not apply. You would then fall into the collision section of your policy, which could have a deductible that you would have to pay. What if I had an accident outside of Ontario? Ontario, Quebec, Nova Scotia, New Brunswick and Nova Scotia, as well as the IEP, require DCPD coverage.1 However, if you drive to the United States or another Canadian province, DCPD coverage does not apply. If you live in a province or country that does not comply with DCPD rules, you will be covered by your conflict of laws policy and you will have to pay for your conflict policies with deductible laws. Is there a way to get my deductible back? Yes! Even if you have to pay the deductible after your car insurance crash in the event of an accident in which your insurer finds the other driver to be at fault, your insurer will generally try to receive payment for the responsible driver`s damage insurance.