What does OPCF 19 pertain to in automobile insurance coverage?

The correct choice pertains to the Ontario Policy Change Form (OPCF) 19, which is specifically related to the coverage for Family Protection. This endorsement provides additional protection for insured individuals in the event they are involved in an accident with an uninsured or underinsured motorist. The form aims to enhance personal injury coverage for policyholders and their family members, ensuring that they are compensated for damages and losses when the opposing party lacks sufficient insurance coverage.

Understanding this coverage is crucial, as it fills the gap that can occur with other drivers who might not be adequately insured, thereby enhancing the overall safety and financial security of the insured and their family members in various driving situations.

The significance of this form lies in its intent to safeguard individuals against the potential risks posed by drivers who do not have insurance or whose insurance limits are insufficient to cover all damages incurred in an accident. This highlights the importance of thorough comprehension of available coverage options in auto insurance policies, especially in a province like Ontario where such endorsements are vital for adequate personal protection on the road.