By Is OPCF 44R mandatory?
OPCF 44, 44R is not mandatory in Ontario. It is optional protection drivers can purchase and add to their plan.
What does OPCF 44R mean?
Additional Family Protection Coverage
OPCF-44R – Additional Family Protection Coverage This additional coverage will make up any difference between the third party liability limit of an at-fault driver and your own coverage, if you are injured in an accident.
What is OPCF 44R family Protection Endorsement?
The Family Protection Endorsement is an endorsement designed to provide insurance protection to named insureds and their families. The essence of the endorsement is that the insured protects himself from the risk of being injured by an inadequately insured motorist.
What amount of coverage does the family Protection Endorsement provide in Ontario?
As a driver in Ontario, by law, you must have $200,000 in Third-party liability coverage to protect other people and their property from damage.
What OPCF 48?
OPCF 48 – This endorsement will allow you to reduce by $10,000 the deductible currently imposed by the Insurance Act on any settlement you are awarded for pain and suffering following an automobile accident.
What OPCF 16?
Purpose of This Endorsement – This endorsement is part of your policy. It suspends coverage for the use or operation of the described automobile until coverage is reinstated.
What OPCF 20 cover?
Loss of Vehicle Use
Loss of Vehicle Use (OPCF 20): This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.
What is an SEF 44?
SEF 44 or Family Protection Coverage protects you and your family members in the event that any of you are injured in a motor vehicle accident, where you are either not at fault or only partially at fault, and the person or persons who caused the accident are underinsured, uninsured, or the accident is a hit-and-run.
What OPCF 43?
OPCF 43 is an enhancement that can be added to your Ontario car insurance. It removes your insurance company’s right to deduct depreciation from the value of your vehicle for a loss or theft claim.
What does OPCF 20 mean?
The OPCF 20 definition allows you to choose to either rent a car or hire a taxi while your vehicle is being repaired. Depending on the endorsement, there may be a limit to the amount you will be provided.
What is the difference between OPCF 20 and OPCF 27?
In this post we will briefly cover two common endorsements called the OPCF 20: Coverage for Transportation Replacement and the OPCF 27: Liability for Damage to Non-Owned Automobile(s). The coverages that are on an insured vehicle are automatically extended to a rental car being driven by the named insured driver.
What does SEF 13D cover?
+ SEF 13D (Limited Glass) This endorsement excludes claims for damage to the windshield unless the damage is caused by fire, lightning, theft or attempt there at, windstorm, hail, earthquake, explosion or riot.