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. In addition, each insurance company has a mediator. A list of senior executives can be put here or directly to the Financial Services Commission of Ontario. Otherwise, the complaint can be sent directly to the Chief Executive Officer.  When an insurance taker and an insurance company fail to reach an agreement, the insurance company is required to provide a «definitive position letter» in which they set out their reasons and make available to an insurance taker the name and details of an independent organization of the mediator who reviews all complaints.  After receiving an unresolved complaint containing supporting documents and a final position letter, a mediator from the Ombudsman`s independent organisation will review and respond to all complaints.  If you have a car accident in which the other driver is guilty, DCPD ensures that you are compensated directly through your own insurance.
This means you don`t have to wait for the other driver`s insurance to make a decision. You do not have to sue the other driver for damages. You will manage your own insurance and you will be compensated accordingly. As always, if you feel disoriented by your auto insurance or want to check all the coverage you have or need in your policy, talk to your insurance broker for more information and advice. FSCO also has a dispute resolution service. 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. Errors can be released. In these situations, your right may be divided between direct property damage and collision coverage.
If you are responsible for z.B at 50%, half of your claim is covered by DCPD and the other half under collision coverage. In addition to Ontario, there are direct compensation damages in the following provinces: a result and a run are not claimed under DCPD coverage. If the driver who caused the damage cannot be identified, your claim will be paid through your car insurance. Insurance companies are responsible for covering the details of the accident and interpreting the OAP. Insurers determine which accidents are treated and in which section. However, policyholders can challenge a provision of the adjusters through an appeal procedure. Each insurance company has a process of difference. The insurance agent (presenter, broker or agent) is responsible for advising the policyholders on the procedures.
 A question that is asked of many auto insurance professionals is: «What am I insured for?» So far, we have looked at different coverages within ontario auto insurance, and now we are going to look at what is called the DCPD. Direct Compensation for Property Damage (DCPD) is mandatory auto insurance within Ontario and actually means that you receive direct compensation from your insurance company for damage to your vehicle if you have an accident without interference with another insured vehicle. DCPD usually has a $0 deductible, but it can be increased if you wish – but who wants to pay a deductible for an accident without error?! 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