Direct Compensation Property Damage Ontario

Direct Compensation Property Damage Ontario

What is Direct Compensation Property Damage in Ontario? Direct Compensation Property Damage is mandatory auto insurance coverage in Ontario, Canada. Often referred to as DCPD, the auto insurance coverage is part of your overall auto policy, called the OAP 1, or the Ontario Automobile Policy.  Is DCPD auto insurance mandatory in Ontario? Yes, DCPD auto…

Who can drive my car under my insurance in Ontario?

Who can drive my car under my insurance in Ontario?

In Ontario, Canada, anyone who has a valid driver’s license can drive your car, as long as they have permission from you.    Can I drive someone else’s car in Ontario? You can drive someone else’s vehicle in Ontario as long as you have the owner’s consent and are authorized by law to operate a motor…

Does car insurance cover theft in Ontario?

Does car insurance cover theft in Ontario?

Car insurance in Ontario covers theft or attempted theft of the insured vehicle and attached equipment.  What do I do if my car is stolen in Ontario? If your car gets stolen in Ontario, the first thing that should happen is to notify the police. The police will advise you if your vehicle is towed…

Driving without insurance in Ontario 

Driving without insurance in Ontario 

Driving without insurance in Ontario is illegal, and considered a serious driving offence by insurance companies. Driving without insurance violates the Compulsory Automobile Insurance Act of Ontario and the Ontario Highway Traffic Act. Liability insurance is required to legally drive or operate a vehicle on Ontario roads and highways.  What is the penalty and fine…

Do speeding tickets affect insurance in Ontario

Do speeding tickets affect insurance in Ontario

Yes, speeding tickets affect auto insurance rates in Ontario.  The degree to which a speeding ticket would affect your insurance depends on a few things: 1- the type of speeding ticket.  Is it a minor, major or even criminal speeding ticket?  2- if you have more than one speeding ticket within a three-year time period. …

Comprehensive Insurance Ontario

Comprehensive Insurance Ontario

What does comprehensive insurance mean? Comprehensive auto insurance coverage refers to optional loss coverage which can be purchased or declined.  It is not mandatory and offers coverage from a wide array of perils that other coverages do not.  Typically, most drivers add comprehensive insurance combined with collision coverage for complete vehicle protection.  When your vehicle…