What is the focus of OPCF 20?

The focus of OPCF 20, also known as the "Property Damage Reimbursement" endorsement, is to provide additional coverage for the repair costs of damages to the insured's vehicle that are not covered or are underinsured by the primary auto insurance policy. This endorsement allows policyholders to recover costs associated with damage to their vehicle, ensuring they have adequate financial support to address repairs.

In the context of auto insurance, understanding property damage reimbursement is crucial for drivers, as it helps mitigate out-of-pocket expenses in the event of an accident or incident that leads to vehicle damage. This coverage is particularly beneficial in scenarios where the at-fault party may not have sufficient insurance to cover the damages or where the policy limits fall short of repair costs.

While the other options touch on relevant aspects of auto insurance, such as liability for non-owned vehicles, emergency road services, and transportation replacement coverage, OPCF 20 specifically pertains to the reimbursement for property damage, making it the correct focus for this question.