What does OPCF 38 address?

The OPCF 38 endorsement, also known as Family Protection Coverage, is a specific addition to an automobile insurance policy in Ontario. It is designed to provide financial protection when an insured person is involved in an accident with an uninsured or underinsured motorist. This type of coverage is particularly important as it ensures that the insured and their family members are protected in the event that the other party does not have enough insurance to cover damages.

This endorsement helps fill a critical gap in insurance coverage, ensuring that individuals and their families are not left at a financial disadvantage due to someone else's lack of adequate coverage. The coverage amount is typically based on the limits of the insured's own policy.

The other options do not pertain to the content of OPCF 38. For instance, "Excluded Drivers" and "Use of Recreational Vehicles" refer to different aspects of automobile insurance policies. "Agreed Limit for Accessories" is focused on the coverage of vehicle accessories but is also unrelated to Family Protection Coverage. Thus, the emphasis on OPCF 38 is specifically about providing added protection for families against uninsured and underinsured motorist situations.