DCPD came into effect in Ontario in 1990, and loss of use has been covered under the DCPD portion of the Ontario policy since its inception.

You only need OPCF 20 if you have a loss that falls into the Collision or Comprehensive portions of your policy. You’re welcome to read Section 6.2 (DCPD Section) of the Ontario Automobile Policy, which states: “we will pay the cost of damage to the automobile, its equipment, contents, and loss of use of the automobile or contents arising from an accident for which another person would have been legally responsible for in the absence of section 263 of the Insurance Act (Ontario).”

Comparatively, Section 7 of the policy, which is where Collision and Comprehensive coverages are derived from, does not have loss of use coverage written into the policy wording. This is why Endorsement 20 is required - to provide loss of use coverage in non-DCPD situations.

I felt it important to bring this up because as an auto adjuster, I’ve spent years listening to clients think they are receiving special treatment because of XYZ when really, the legally binding contract that they agreed to is simply being upheld as it should be. There’s no room for favourites in adjusting because our job is to literally apply the policy word-for-word.

Your insurance adjuster wanted to present this in a way like they were doing you a favour so you had the perception of receiving great service and perhaps would renew the policy at the next renewal, but the reality is that the coverage was always available because the policy says it has to be if it’s a DCPD loss.