In Ontario Auto (OAP 1) coverage, what condition must be met for DCPD to apply?

For Direct Compensation - Property Damage (DCPD) coverage to apply in Ontario Auto (OAP 1), it is essential that the accident involves another vehicle that is insured under an Ontario auto insurance policy and is not at fault for the incident. This coverage is designed to streamline the claims process for property damage by allowing insured drivers to claim directly against their own insurer for damages they incur, as long as at least one of the other vehicles involved is also covered by an Ontario insurance policy and deemed not at fault.

This mechanism serves to simplify the resolution of claims related to damage to vehicles rather than apportion blame between the two parties, which can often prolong the claims process and create disputes. DCPD helps speed up claims handling when the necessary conditions are met, fostering a more efficient system overall.

The other conditions listed do not align with the specific stipulations of DCPD coverage; thus, they do not apply in the context of this question.<|vq_339|>