(As pertains to Ontario, Quebec, New Brunswick)

Covers damage to – or loss of use of – an automobile or its contents, to the extent that the driver of another vehicle was at fault for the accident. It is called “direct compensation” because, even though someone else caused the damage, the insuredThe entity (individual or otherwise) whose risk of financial loss from an insured peril is protected by the insurance policy. More person collects directly from his or her insurerThe company providing the insurance coverage. More instead of from the person who caused the accident.