DCPD Insurance in Nova Scotia: Direct Compensation Property Damage
DCPD lets an insured claim qualifying not-at-fault property damage from their own insurer instead of pursuing the other driver's insurer. The payment follows the percentage the insured driver is determined not to be at fault and can be subject to a DCPD deductible.
What to know
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
DCPD is not the same as collision coverage
DCPD is tied to the portion of a qualifying loss for which the insured driver is not at fault. Collision coverage addresses insured damage to the vehicle under its own wording and deductible, including circumstances where the insured is at fault.
Fault percentage matters
Nova Scotia's standard policy ties the DCPD payment to the percentage the driver is determined not to be at fault. A partially at-fault collision can therefore involve more than one coverage layer.
Read the deductible shown on the contract
The standard policy permits a DCPD deductible if one is stated. A driver comparing two policies should therefore compare the actual DCPD deductible rather than assuming it is always zero.
Verify the current Nova Scotia rule
Insurance regulations, rate filings and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Nova Scotia Standard Automobile Policy →