Which OPCF form provides coverage against tort deductibles?

Which OPCF form provides coverage against tort deductibles?

• A. OPCF 27
• B. OPCF 48
• C. OPCF 32
• D. OAP 2

Answer: (B)

The OPCF 48 form, known as the "Family Protection Coverage," is designed to provide coverage against tort deductibles in the event of an accident. This is particularly important for policyholders who may be involved in accidents with uninsured or underinsured motorists. When an insured individual has a claim for damages that involves a tort deductible, the OPCF 48 coverage helps to recover that expense by providing additional coverage above and beyond the liability limits that might otherwise be applicable. It acts as a safeguard for the insured, ensuring they are not left at a financial disadvantage due to the deductible associated with a tort claim. In contrast, the other forms do not specifically address tort deductibles in the same manner. For instance, OPCF 27 relates to the endorsement for additional insureds, OPCF 32 pertains to permission to drive other cars, and OAP 2 is a standard Ontario automobile policy document that covers statutory accident benefits but does not provide the same specific coverage regarding tort deductibles as the OPCF 48 does.

The OPCF 48 form, known as the "Family Protection Coverage," is designed to provide coverage against tort deductibles in the event of an accident. This is particularly important for policyholders who may be involved in accidents with uninsured or underinsured motorists.

When an insured individual has a claim for damages that involves a tort deductible, the OPCF 48 coverage helps to recover that expense by providing additional coverage above and beyond the liability limits that might otherwise be applicable. It acts as a safeguard for the insured, ensuring they are not left at a financial disadvantage due to the deductible associated with a tort claim.

In contrast, the other forms do not specifically address tort deductibles in the same manner. For instance, OPCF 27 relates to the endorsement for additional insureds, OPCF 32 pertains to permission to drive other cars, and OAP 2 is a standard Ontario automobile policy document that covers statutory accident benefits but does not provide the same specific coverage regarding tort deductibles as the OPCF 48 does.