Most provinces in Canada have a law that requires your insurance provider to take care of paying for damages to your vehicle when the other party is at fault, even if you only carry liability insurance. This is called, Direct Compensation for Property Damage. or DCPD. This should cover your complete loss with no deductible, including a rental car if your vehicle cannot be used. You may have to pay for the insurance on the rental car.

Is this important? Yes! In some places you are allowed to opt out of DCPD coverage if you fill out a written request to your provider, saving you some money. We require that you keep this coverage as it would be a significant cost to BAA if we had to cover all the losses resulting from other's errors.