DCPD, or Direct Compensation Property Damage, is a specific type of coverage found in certain provinces in Canada, such as Ontario. This coverage is part of the no-fault system, meaning that each party involved in an accident deals with their own insurance company for compensation, regardless of who is at fault. Your insurance provider will determine fault and may adjust your premiums accordingly, potentially raising them if you are found to be at fault. In Ontario, insurance companies adhere to standardized fault determination rules for both car accidents and property damage claims, ensuring consistency across various factors like weather, road conditions, pedestrian actions, visibility, and the point of impact on the vehicle.   It is crucial to emphasize that Direct Compensation Property Damage (DCPD) coverage is only triggered in the following situations: You are not found responsible for the accident. The accident takes place in Ontario. The accident includes a minimum of two vehicles. All individuals involved in the accident are insured by Ontario-licensed companies.