The deductible is what you pay when one factor occurs to your automotive, before the insurance protection agency pays the remainder. Growing your deductible can lower your annual premiums. Direct Compensation Property Damage (DCPD): Available solely in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the price of loss or injury to your vehicle in an accident for which you were not completely accountable. To qualify, the opposite driver needs to be recognized, insured and located to be a minimal of partially at fault. In some provinces, you may not sue another individual for harm to your car. …