What does OPCF 44R provide coverage for?

OPCF 44R provides coverage specifically for family protection, which is crucial in instances where an insured individual sustains injuries due to an accident caused by an uninsured or underinsured motorist. This helps ensure that even if the responsible driver does not have adequate insurance, the insured and their family can still receive compensation for medical expenses, lost income, and other damages.

This form of coverage is particularly important in the context of Ontario's auto insurance regulations, which might not fully protect drivers who find themselves in accidents with individuals lacking sufficient insurance. By providing this additional layer of protection, the OPCF 44R aims to enhance the security and peace of mind for policyholders, ensuring their family is protected financially in the event of an accident caused by others who might not have enough insurance coverage.