What does OPCF 6C cover in terms of passenger risks?

OPCF 6C, also known as the "Passenger Hazardous Use" endorsement, is specifically designed to address risks associated with passengers in private passenger vehicles. When discussing passenger vehicles with combined limits, this endorsement extends insurance coverage to include liability for bodily injury or death resulting from the use of a private automobile that may otherwise be excluded under standard auto insurance policies.

This endorsement is particularly relevant in scenarios where more than one vehicle may be involved in an accident, or where additional coverage limits are necessary to adequately protect against potential claims from injured passengers. By providing this type of coverage, OPCF 6C ensures that both the driver and passengers are afforded appropriate protection in the event of an incident.

In contrast, the other options do not align with the specific purpose of OPCF 6C. Public transportation in taxis, driving instruction purposes, and school bus operations involve different types of insurance considerations and typically fall outside the scope of what the OPCF 6C covers. Each of these areas would require specialized endorsements or policies tailored to their unique liability and operational needs.