Which of the following options is NOT covered under OPCF 20?

The option that is not covered under OPCF 20 is personal liability in a rental scenario. The Ontario Personal Coverage Form 20 specifically provides physical damage coverages as well as certain type of liability protection; however, it does not extend to personal liability for damages that may occur while renting a vehicle. Instead, OPCF 20 primarily focuses on covering things such as collision damage, theft, and accidental damage to the rental vehicle itself.

In terms of other liability coverages, a person would typically need to look at other aspects of their insurance policy or perhaps an endorsement that specifically addresses personal liability to ensure they are protected during rental situations. Understanding these distinctions is crucial for making informed insurance decisions and for ensuring comprehensive coverage while renting vehicles.