DCPD, short for Direct Compensation for Property Damage, means policy holders will deal with their own insurance company for both at fault and not at fault accidents. It is a mandatory coverage for your vehicle damage, damage to contents and loss of use in the event you are not at fault for an accident, or a portion of the repairs based on the percentage you were not at fault for an accident.
Collision and loss of use coverages are optional. If you are at fault, Collision covers your vehicle repairs if you have purchased the coverage.
If you are found 100% not responsible (not at fault) for an accident, any vehicle repairs will be paid for by your DCPD coverage.
If you have Collision coverage, it will pay for damage to your vehicle even if you are 100% responsible (at fault) for the accident. It also covers the costs of towing, storage and salvage disposal. You will have to pay a deductible—the amount you have to pay toward repairs—before your insurance pays for the rest.
If you don't have Collision coverage, you will have to cover any costs for damage to your own vehicle out of pocket. You will need to pay the percentage of the vehicle repairs, equal to the percentage you are found responsible or at fault. If you are 50% at fault, you will pay 50% of the damages, and 50% will be paid through your DCPD coverage.
If you are 100% not at fault in an accident, accessing your DCPD coverage will not adversely affect your driving record.
If you are responsible for an accident, your basic insurance premiums will likely go up. The costs for any optional insurance you have (Collision, for example) may go up as well. In general, the more accidents you are responsible for, the more you will pay in insurance.