Direct Compensation – Property Damage

All auto insurance claims are now subject to the Direct Compensation – Property Damage (DCPD) settlement model.


What is Direct Compensation – Property Damage?

Direct Compensation – Property Damage (DCPD) enables drivers involved in accidents to deal directly with their own insurer, regardless of fault. It’s called Direct Compensation because you are directly compensated by your insurance company if your car is damaged in an accident.


How does DCPD impact me?

DCPD offers many benefits that help simplify your life and speed up your claim process:

  • A simplified claim resolution method
    If you are involved in a not-at-fault accident, you don’t need to pursue the at-fault driver to recover damages. We’ll take care of your claim directly.
  • A simplified claim settlement process
    Your claim will be processed quicker because you no longer need to wait for the other driver’s insurance company to make a decision and process it.
  • A simplified coverage
    In addition to coverage for the damage to your vehicle, DCPD also includes coverage for its contents and the loss of use of your vehicle.


What happens if I am involved in an accident…

…that is not my fault?
As a valued Anthony Insurance customer, you will be compensated directly by your insurance products provider, Novex Insurance, for damages resulting from a car collision when you are not at fault. If you file a not at-fault claim under DCPD, your driving record will not be impacted.

…that is partially my fault?
To the degree you are at fault, that portion of your claim will be paid under the collision/all perils coverage, should you have purchased this coverage, subject to the applicable deductible amount, and conditions shown on your policy. The remainder of the claim will be paid under DCPD.

…that is 100% at fault?
If you are totally at fault for the accident, you must claim from any collision/all perils coverage that you may have purchased, subject to the applicable deductible amount, and conditions shown on your policy.


Will I still need to purchase collision coverage?

Yes, you will still need to purchase collision coverage if you would like at-fault damages to your vehicle to be covered by your policy with Anthony Insurance.


Will DCPD affect my rates?

No, DCPD alone does not affect your rates. Insurance companies cannot use a ‘not-at-fault accident’ as a rating variable, but if you are involved in an at-fault accident, your rates could be affected.


DCPD takes effect when there are property damages resulting from an automobile collision. What happens if there are bodily injuries?

A person who has sustained a bodily injury from an automobile collision is required to apply for accident benefits coverage and notify their insurer within 120 days of the accident, if they intend to file a claim. All bodily injury claims are subject to a deductible for pain and suffering. This deductible has increased from $2,500 to $5,000.


Does DCPD change my right to sue?

DCPD does not change your right to sue for liability damages. Those rights are maintained under the tort system.


My question was not answered in your FAQ, where can I go for answers?

For more information about Direct Compensation – Property Damage, please call us at 833-670-2969. Our friendly, licensed representatives are happy to help you.