What is the purpose of OPCF 44R?

The OPCF 44R, also known as the Family Protection Coverage endorsement, serves a critical purpose in Ontario’s automobile insurance landscape. This endorsement provides additional protection for insured individuals and their family members in the event of an accident involving an underinsured or uninsured driver.

The intent of this coverage is to ensure that if an insured person is involved in an accident where the at-fault driver does not have adequate insurance to cover damages, or if they are involved with an uninsured driver altogether, the insured family members can still receive compensation for their injuries and losses. This is particularly important as it helps bridge the gap between what a victim should be compensated for and what may be available from the at-fault party's insurance.

By adding OPCF 44R to a policy, individuals can have peace of mind knowing that their families are financially protected against scenarios where the liable party’s coverage falls short, which can be a significant risk in many instances.