What does OPCF 27 cover?

OPCF 27 specifically addresses liability for damage to non-owned automobiles. This endorsement allows the insured to be covered for damage they may cause to vehicles that they do not own, which can occur under circumstances such as borrowing a friend's car or using a rental vehicle. This coverage ensures that the insured is protected against liability claims related to damage to vehicles that are not part of their owned fleet.

The incorrect options either refer to coverages not specified by OPCF 27 or extend beyond its focused scope. For example, while liability for damage to owned vehicles is typically covered under the standard automobile policy, OPCF 27 does not cover this scenario. Similarly, liabilities associated with recreational vehicles and broader liability situations are also not encompassed by OPCF 27, as it is limited to non-owned automobiles specifically. This targeted focus is crucial for both consumers and brokers to understand when discussing coverage options.