Conditions matter
FSRA says DCPD applies to qualifying Ontario accidents involving another insured vehicle and an Ontario-licensed or participating insurer.
Fault still matters
Compensation can depend on the percentage of fault assigned under Ontario's Fault Determination Rules.
Opt-out exists
Since January 2024 an Ontario insured may elect in writing not to recover under DCPD.
Opting out can materially reduce protection
Without DCPD, a not-at-fault driver may lose the ability to recover certain vehicle/property losses under that section; collision coverage may matter in some situations.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.