Direct Compensation Agreement

Identifying your loss

  • Stage
  • 1
  • 2
  • 3
  • 4

Case 4 - Side collision

Example 1

Example 2

Example 3

Center island or center of the road

Portion of liability :

'X' and 'Y' travelling in different lanes sideswipe without changing lanes.

This case applies particularly in cases of passing without changing lanes or in cases where roadway narrows, unless one of the drivers has violated a no passing sign or solid line, in which case, CASE 9 applies against such driver.


Applying the Direct Compensation Agreement:

  • Vehicles X and Y are each 50% responsible: the insured will be indemnified for half of the amount of his damage if policy only covers civil liability (section A of the Contract). He will be indemnified for the other half of the damage if his policy also covers collision (section B of the Contract). The insured will have to pay 50% of his deductible.

For more information, contact your insurer.
You can also contact the Insurance Information Centre.


The content of these web pages is provided for information only and to make it easier to understand the DCA. It is not legally binding. The official version of the DCA takes precedence. Your insurer will establish the portion of your liability in the accident.

Download the official version of the Direct Compensation Agreement.

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