What does family protection coverage under OPCF 48 do?

Family protection coverage under the OPCF 48 (Ontario Personal Coverage Form 48) is designed specifically to address situations where an insured suffers injury or loss due to the negligent actions of an uninsured or underinsured driver. This type of coverage essentially aims to provide additional protection and peace of mind for the policyholder and their family members.

In this context, the correct choice highlights that family protection coverage can indeed reduce tort deductibles. This means that in the event of a claim arising from an accident involving an uninsured or underinsured motorist, the insured and their family members may have their deductibles lowered, thus helping to alleviate some financial burdens associated with the claim.

The other options—such as increasing liability limits, excluding certain drivers, or covering repairs for physical damage—are not accurate representations of what family protection coverage under OPCF 48 entails. It specifically focuses on compensating for injuries and losses linked to the inadequacy of the other party's insurance, rather than altering liability limits or handling repair costs for vehicle damage.