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This is a coverage available in Ontario, Newfoundland and Labrador, Nova Scotia, Prince Edward Island and New Brunswick.

Direct Compensation Property Damage means that you deal with your own insurance company for a claim, regardless of who is at fault for the accident and your claim will be processed without waiting for a third party decision. In some provinces, this covers damage to your vehicle and/or its contents if another person was fully or partly at fault for the accident.

It is called direct compensation because even though someone else causes the damage, you collect directly from your insurance company. It is a standard inclusion in your policy when you purchase third party liability insurance.