Which OPCF form addresses the use of recreational vehicles by unlicensed operators?

The OPCF 38 form, known as the "Family Protection Coverage," specifically addresses the use of recreational vehicles by unlicensed operators. This form extends coverage to situations where a person who is not licensed to operate a motor vehicle is using a recreational vehicle, ensuring that insured individuals can receive benefits if they are injured by such an operator. This is particularly critical in protecting individuals against uninsured drivers or unlicensed operators while allowing for the enjoyment of recreational vehicles in a safer manner.

The other forms mentioned have different purposes, such as providing coverage for specific circumstances not related to unlicensed operators. Thus, OPCF 38 stands out as the appropriate form for addressing the use of recreational vehicles by those without a valid license.