In Ontario's insurance system, what is "direct compensation"?

Direct compensation in Ontario's insurance system refers to the benefits you receive directly from your own insurance company following a collision, regardless of who is at fault for the accident. This system is designed to streamline the claims process and ensure that individuals have quicker access to the necessary funds for repairs and related expenses without needing to determine fault first. In a situation where direct compensation is applicable, drivers can seek to have their damages covered without having to go through the other party’s insurance, thus facilitating a more efficient and less contentious claims process.

The concept is integral to Ontario's no-fault insurance regime, which aims to provide timely support to insured drivers and maintain an equitable system where blame is not the primary factor in securing compensation for damages. This enables drivers to have a smoother experience immediately after an accident, knowing they can rely on their own insurance company for compensation.