URL上说得很明白呀, collision 不是你的责任, 你不用付deductible, 你的保险公司付给你.只不过它不能向对方的保险公司要钱, anyway, 对你来说是一样的. 你无责任, 不用付deductible. 我copy了原文在下面, 难到我看错了不成? recover 可不是 cover.

In Ontario, "under Direct Compensation, you will recover the portion of your deductible, to the extent that the other driver was at fault, from your own insurer."