What does the Ontario Auto (OAP 1) policy state about accidents involving multiple vehicles?

The Ontario Auto (OAP 1) policy, specifically regarding Direct Compensation for Property Damage (DCPD), states that DCPD applies when one vehicle is at fault in an accident involving multiple vehicles. DCPD is designed to streamline the claims process by allowing each party to claim their damages from their own insurance company, based on the degree to which each party is at fault. This approach helps manage the complexities that arise in multi-vehicle accidents.

In instances where there are multiple vehicles involved, if one vehicle is found to be at fault, DCPD allows the other parties to receive compensation for their damages without needing to establish liability against the at-fault party extensively. This is significant because it eliminates the need for lengthy negotiations between multiple insurance companies, simplifying the process for all involved.

Other options do not accurately reflect the provisions of the OAP 1 policy as they misrepresent how DCPD functions and its applicability to multi-vehicle accidents.