10/15/2026
A rental car isn't automatically guaranteed after an accident in Ontario. If you weren't at fault, your own policy usually covers a rental through Direct Compensation Property Damage (DCPD), unless you opted out of that coverage. If you were at fault, you generally need the optional Loss of Use endorsement (OPCF 20) on your policy.
Before you assume you're covered, check your policy and understand your rights.
David Hollingsworth · 613-978-9549 · ottawainjury.ca