TD Auto Insurance Claim Inquiry
Hi everyone,
I’m based in Toronto, Canada, and I own a 2019 Audi Q3, which is insured under my name. Currently, I’m on vacation while my car remains in Toronto. My roommate recently sold his car on January 24, 2025, due to mounting repair costs. Although he typically works from home, he needed to drive my car today for an emergency meeting, and I gave him permission.
Regrettably, he was involved in a collision. He was completely not at fault, as he was stopped at a stop sign when another vehicle crashed into him from the left at high speed, damaging the rear tire. I have video evidence confirming he wasn’t to blame. The tire is now tilted inward, and I received an estimate from Mr. Lube, totaling $10,000 to replace the axle, hub, and control arm.
My question is this: since my roommate doesn’t have his own insurance (having sold his car recently) and is also not listed on my policy—having only driven my car a couple of times—will TD cover the damage under Direct Compensation Property Damage (DCPD)? Or should I expect complications because my roommate isn’t on my insurance?
Thank you for your assistance!
Hi there,
I’m sorry to hear about the accident—it’s always stressful dealing with these situations. In Canada, Direct Compensation Property Damage (DCPD) generally covers damages to your vehicle when an accident occurs, provided that you’re insured and not at fault.
Since you have video evidence showing your roommate was not at fault, that’s definitely a good start. However, the fact that your roommate is not listed on your insurance policy might create some complications. Typically, insurance companies cover those who are legally allowed to drive the insured vehicle. Since your roommate’s name is not on your policy, TD may view this as a potential issue.
Here are a few steps you might consider:
Contact TD Insurance: It’s crucial to reach out to TD Insurance directly to explain the situation. Provide them with the details, including the video evidence and that he had your consent to drive the car.
Review Your Policy: Check your insurance policy for any clauses regarding permissive use—some policies allow for occasional drivers even if they are not specifically listed on the policy.
Discuss with Your Roommate: Since your roommate is planning to purchase a new car and might get temporary insurance, it may also be worth discussing whether he should consider a short-term insurance policy to cover him in the interim.
Seek Legal Advice: If TD does not cover the damages due to your roommate not being listed on your policy, you may want to consult a legal expert to see what steps can be taken regarding recovery of damages from the at-fault driver.
I hope that helps, and best of luck resolving this issue!