What does OPCF 27 cover?

The OPCF 27, also known as the "Non-Owned Automobile Coverage," specifically addresses liability for damage that occurs while operating a vehicle that is not owned by the insured. This endorsement is crucial for individuals who frequently drive vehicles that belong to others, such as friends or rental cars, and want to ensure they have adequate liability coverage in case of an accident.

The coverage enables the insured to be protected in scenarios where they may be held liable for property damage or bodily injury resulting from their use of a non-owned vehicle. This is particularly important because standard auto insurance policies may not extend coverage to vehicles that are not owned by the policyholder.

Understanding this coverage is vital for anyone who may need to operate vehicles outside their ownership, making it essential knowledge for someone preparing for the Ontario Automobile Insurance License.