As of January 1, 2022, the province of Alberta will adopt a Direct Compensation Property Damage (DCPD) system to make insurance claims and vehicle repairs easier for customers involved in collisions. All auto insurance policies issued or renewed in Alberta on or after January 1, 2022 will include a new mandatory DCPD coverage.
null

You don't need to take any action — we just wanted to make you aware of this change

What does this mean for you?

If you are involved in an accident that is not your fault

Under a DCPD claim, if you are not at fault, your insurance company will compensate you for damages to your vehicle, its personal contents (to a maximum of $20,000) and loss of use of your vehicle when you are in a collision caused by a third party.

If you are involved in an accident that is partially your fault

To the degree that you are not at fault, that portion of your claim for damages to your vehicle or its contents will be paid under DCPD. To the degree you are at fault, that portion of your claim to your vehicle will be paid under the optional collision or all perils and the loss of use endorsement coverage (if purchased), proportionally subject to applicable deductible amounts and policy conditions.

If you are involved in an accident where you are 100% at fault

If you are totally at fault for the accident, your claim is paid under the optional collision or all perils and the loss of use endorsement coverage (if purchased), subject to your deductible.

Note: Damage caused by an unidentified or uninsured vehicle is not covered under DCPD, but optional loss or damage coverages may be available.

Your DCPD deductible

Your insurance company will issue your DCPD deductible at $0; if you are in an accident where DCPD applies, you won't be required to pay for a portion of the repairs. If you would like to change your deductible for this coverage, please contact your Gallagher Broker.

How is "At-Fault" determined?

Like other provinces with DCPD auto insurance, a set of Fault Determination Rules has been issued which lays out every possible accident scenario and the fault assigned to each vehicle in that circumstance. For more information, read the Alberta DCPD Fault Determination Rules on the Insurance Bureau of Canada website.

Questions/Resources