WEBVTT

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someone hits your car in

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Alberta.

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Report it to your own insurer

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first.

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Since January 2022, Alberta has

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used direct compensation

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property damage, called DCPD,

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for qualifying crashes.

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You do not necessarily chase

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the other driver's insurer.

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Separate checks apply to

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uninsured drivers and

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unidentified hit-and-runs.

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Check any coverage deletions

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too.

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For DCPD, damage must arise

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from another automobiles use or

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operation in Alberta.

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Your vehicle and at least one

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other involved vehicle need

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insurance from an Alberta

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licensed insurer or one with

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the required undertaking.

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Exceptions apply, including

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vehicles with the same owner.

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DCPD can cover the car,

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eligible contents, and loss of

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use.

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DCPD pays the covered

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not-at-fault share.

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Optional collision or all

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perils coverage may pay the

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at-fault share.

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Each can have its own

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deductible.

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Ask which fault rule and

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evidence the insurer used.

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The rules have exceptions,

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including certain driving

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charges and penalties.

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A disagreement about the

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percentage is different from a

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disagreement about the repair

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price.

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In a two-car crash where the

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other vehicle is uninsured,

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DCPD does not apply.

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Your optional collision or all

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perils coverage may pay,

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subject to its terms.

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You may also have a claim

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against a legally responsible

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driver or owner.

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But winning a judgment and

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collecting money are different

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things.

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Ask your insurer before

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settling privately.

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If the responsible driver

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cannot be identified, check

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your optional coverage.

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Collision or all perils may

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respond.

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There is an important Alberta

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detail.

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Standard comprehensive cover

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also includes another

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automobile striking yours while

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yours is not in use or

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operation.

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So do not assume every parked

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car hit and run requires

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collision coverage.

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The facts, deductible and

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actual policy still matter.

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Look for SEF49A, the DCPD

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deletion endorsement.

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It removes DCPD.

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Where DCPD would apply, the

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not-at-fault share cannot

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simply be recovered from the

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other driver or filled by

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collision or all perils

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coverage.

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The endorsement does not delete

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every possible collision claim.

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Restoring cover later does not

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provide insurance for an

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earlier loss.

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Alberta's Motor Vehicle

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Accident Claims Program, or

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MVAC, does not pay for property

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damage.

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Also, the standard policy's

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uninsured motorist heading

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concerns bodily injury and

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death, not a repair allowance

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for your car.

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Do not confuse those

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protections with optional

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vehicle damage cover.

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Notify your insurer promptly in

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writing.

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Preserve photographs, witness

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details, footage and receipts,

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and follow police reporting

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duties.

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The statutory vehicle damage

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conditions require a

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declaration within 90 days of

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the loss.

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Confirm the form immediately.

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Protect the car.

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Before ordinary repairs or

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removing evidence, get written

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consent or allow a reasonable

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inspection opportunity.

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ask for the repair estimate or

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pre-loss valuation.

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Standard cover generally uses

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actual cash value with

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depreciation rather than

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promising a new car or clearing

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your loan.

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Check endorsements and rental

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entitlement.

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You normally choose your repair

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shop unless the insurer

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formally exercises its repair

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option.

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Get agreed work and payment

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responsibility in writing.

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An unresolved repair or value

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dispute uses the statutory

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dispute resolution process.

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Provide proof of loss and

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demand it in writing.

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Each side pays its own

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representative and shares

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specified costs.

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Fault or contractual coverage

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disputes take a different

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route.

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Start with written reasons and

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the insurer's complaint

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officer.

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The free insurance complaint

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service cannot force a

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settlement.

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For a policy claim against your

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insurer for damage to the

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automobile, legislation sets

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two years from the damage.

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Do not wait for negotiations to

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finish.

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Other claims can have different

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rules.

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If the insurer missed a

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required deadline notice, a

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court may grant relief, it is

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not automatic.

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Get advice well before the

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clock runs out.

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For free general legal

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information, Legal Hotline's

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Canada number is on your screen

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now.

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Legal Hotline is not a law

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firm.

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Its information line uses AI.

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Lawyer matching is a separate

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service, subject to

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availability and acceptance.

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For advice on your own

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situation, speak with a lawyer

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in your province.

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In immediate danger, contact

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emergency services.