What is the purpose of the OPCF 48 endorsement?

The OPCF 48 endorsement, also known as "Family Protection Coverage," is specifically designed to enhance a policyholder's coverage by providing financial protection in situations where an insured individual suffers injuries or damages due to an accident caused by an uninsured or underinsured driver. This forms an essential part of ensuring that policyholders are not left with significant out-of-pocket expenses when the at-fault party does not have adequate insurance coverage.

When looking at the choice regarding adding coverage to offset tort deductibles, this endorsement is particularly relevant. It allows the insured to claim under their own policy for the damages that exceed the limits of the at-fault driver or if the at-fault driver is completely uninsured. Hence, the endorsement effectively provides a safety net, making it beneficial for those who may be concerned about the financial impact of deductibles in tort claims in the event of being involved in an accident with an inadequate insurance provider.

Other choices, while they represent important aspects of automobile insurance coverage, do not accurately describe the core function of the OPCF 48 endorsement. For example, coverage for property damage pertains to general liability provisions, while costs related to uninsured drivers are related to other forms of coverage. Additionally, roadside assistance is a separate service not included under this particular