What is the purpose of the Family Protection endorsement (OPCF 44)?

The Family Protection endorsement (OPCF 44) serves a specific and crucial role in automobile insurance in Ontario. Its primary purpose is to provide additional protection in situations where an individual is injured in an accident caused by an underinsured or uninsured driver. This endorsement is designed to safeguard against the scenario where the at-fault party does not have sufficient insurance coverage to compensate for injuries sustained by the insured driver or their family members.

For instance, if a family member is involved in an accident caused by another driver who lacks adequate insurance or is completely uninsured, the Family Protection endorsement allows for claims to be made against their own policy. This ensures that even when the other party cannot provide sufficient compensation, the insured individual can still receive the necessary financial support for their medical expenses, lost wages, and other injury-related costs.

This makes it a vital consideration for individuals seeking comprehensive insurance protection, particularly in today’s landscape where underinsurance can be a significant risk. The endorsement highlights the importance of having coverage that extends beyond standard liability protections, focusing specifically on protecting one's family against potential gaps in the insurance coverage of others.