Section 6 covers physical damage to the insured vehicle itself and is optional. The insured chooses one of four sub-coverages (or none):
- Collision: pays for damage from impact with another vehicle or object, or from upset (overturn). Pairs with DCPD: collision responds in single-vehicle accidents, single-vehicle hit-objects (curb, deer where no other vehicle was involved), and at-fault collisions where DCPD does not pay.
- Comprehensive: pays for damage from any peril except collision or upset, with specified exclusions. Covers fire, theft, vandalism, hail, windstorm, falling/flying objects, glass breakage, and impact with animals (which is treated as comprehensive, not collision, in Ontario).
- All Perils: combines collision and comprehensive in a single coverage; broader scope and typically used when one premium is cleaner than two. Adds limited theft coverage by persons employed by the insured.
- Specified Perils: narrowest scope; covers only listed perils (fire, lightning, theft of the entire vehicle, hail, windstorm, earthquake, explosion, riot, civil disturbance). Used to keep premium low while retaining catastrophic coverage; vandalism and broken glass are typically not included.
Each sub-coverage carries its own deductible (the comprehensive deductible is normally lower than collision because comprehensive losses are smaller on average).
Common mistake: thinking collision covers an animal strike. In Ontario, hitting an animal (deer, moose) is a comprehensive loss, not collision, because the insured is not deemed at fault for the animal. Confirm with the policy wording, but this is the standard Ontario treatment.
🧠 Memory hook, "Comp = anything BUT impact; Collision = impact".
Recall: List the four Section 6 sub-coverages from narrowest to broadest. Under which sub-coverage is hitting a deer claimed?