What does OPCF 8 cover in relation to automobile insurance?

The correct option regarding what OPCF 8 covers is actually related to "Liability for Damage to Non-Owned Automobiles." OPCF 8 is an endorsement in Ontario automobile insurance that provides coverage when an insured person is deemed responsible for causing damage to a non-owned vehicle. This applies to situations where, for example, an individual borrows a friend’s car and is involved in an accident where they are at fault, resulting in damage to that vehicle.

This endorsement helps protect the insured from financial liability that arises from such incidents, ensuring that the insured can meet their obligations for any damage caused to vehicles they do not own but may be driving. Other available coverages and endorsements serve different purposes, such as providing protection for government-owned vehicles, assisting with replacing a primary vehicle out of commission, or offering family protection coverage against uninsured motorists, but they do not relate to the specifics outlined under OPCF 8.