What does OPCF 20 cover?

OPCF 20, also known as the "Ontario Policy Change Form 20," specifically addresses transportation replacement coverage in automobile insurance. This type of coverage is designed to provide a rental vehicle or some means of transportation to the insured while their vehicle is being repaired due to a covered loss, such as an accident or theft.

This coverage is particularly valuable as it ensures that the insured does not face significant inconvenience while waiting for their vehicle to be restored to its original condition. While other forms of coverage exist within automobile insurance, such as liability coverage or comprehensive coverage, OPCF 20 distinctly focuses on providing a temporary solution for transportation needs, thereby enhancing the overall utility of an auto insurance policy.