Which form provides liability for damage to non-owned automobiles?

The form that provides liability for damage to non-owned automobiles is OPCF 27. This endorsement is specifically designed to extend coverage to vehicles that the insured does not own, meaning it extends the liability protection for damages that may occur while using rental cars or vehicles borrowed from others. It helps to ensure that the policyholder has financial protection against claims resulting from accidents involving non-owned vehicles.

In contrast, the other forms listed serve different purposes. For example, OPCF 28 typically pertains to coverage for family protection, which addresses situations where an insured is injured by an underinsured motorist. OPCF 3 relates to the addition of coverage for specific types of personal property, while OPCF 2 typically covers the use of a vehicle with a special rating or non-standard use. Understanding the specific functions of these forms is crucial for appropriately managing risks and ensuring adequate insurance coverage.