What type of coverage is suspended under OPCF 16?

OPCF 16, also known as the "Family Protection Endorsement," is an optional endorsement that provides additional coverage when a policyholder is involved in an accident with an uninsured or underinsured driver. When this endorsement is in effect, it is important to understand that it modifies how certain types of coverage apply.

The correct answer, DCPD or Direct Compensation Property Damage, is suspended under OPCF 16. DCPD is designed to provide coverage for damage to the insured's vehicle and property when involved in an accident where both parties are found to be at fault. However, when OPCF 16 is activated, it essentially shifts the focus from standard DCPD claims to those that involve an uninsured or underinsured motorist, as the intent of OPCF 16 is to protect against circumstances where the at-fault party does not have sufficient coverage.

In contrast, liability, accident benefits (AB), and uninsured motorist coverage remain in force under OPCF 16. These coverages continue to protect the policyholder in various scenarios, ensuring they are still safeguarded against damages they may cause to others (liability), injuries they may sustain themselves (AB), or situations involving other uninsured drivers (uninsured motorist).

Understanding the