What is a primary focus of the coverage under OPCF 16?

The coverage under OPCF 16, also known as the "Family Protection Endorsement," focuses on direct compensation for property damage. This endorsement is designed to provide coverage for your insured vehicle and its contents when involved in an accident with an uninsured or underinsured motorist. It helps to ensure that policyholders can recover damages they suffer due to the negligence of other drivers who may not have adequate insurance coverage.

Therefore, this endorsement ensures vehicle owners are compensated fairly for property damage caused by other, potentially underinsured parties, which aligns with the primary aim of ensuring financial protection in such scenarios. It effectively fills the gaps that arise when a responsible party does not have sufficient coverage to fully compensate for the damages inflicted on the insured’s property.