DCPD Auto Insurance in Newfoundland and Labrador
Direct Compensation for Property Damage changed how qualifying not-at-fault property-damage claims are handled in Newfoundland and Labrador. Since the 2020 reform, motorists deal with their own insurer for property damage caused by another party in qualifying collisions.
What to know
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
DCPD changes the claims path, not the concept of fault
The reform was designed to make not-at-fault property-damage claims more consumer friendly by using the insured's own company. Fault determination and policy conditions still matter to the outcome.
Do not confuse DCPD with collision coverage
DCPD addresses qualifying not-at-fault property damage. Collision is optional physical-damage coverage that can respond to other insured collision losses, including at-fault damage, subject to its wording and deductible.
Claims still require evidence
Photos, vehicle information, police or collision reports where applicable, repair documentation and insurer instructions can all matter. A coverage label alone does not establish the final claim amount.
Verify the current Newfoundland and Labrador rule
Insurance legislation, Board-approved rates and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Government of Newfoundland and Labrador — Automobile Insurance Changes 2020 →