Which OPCF option waives the 72-hour waiting period for rental coverage?

The correct option is OPCF 20, also known as the "Extension of Coverage for Rental Vehicles." This endorsement specifically waives the 72-hour waiting period that typically applies when an insured’s own vehicle is unavailable for use due to an accident or breakdown. By adding OPCF 20 to a policy, the insured can access rental vehicle coverage immediately without having to wait for that initial period.

This endorsement is particularly beneficial for policyholders who require immediate access to a replacement vehicle, ensuring they can continue their daily activities without interruption. Other options, while they pertain to various types of coverage, do not provide the same benefit of waiving the waiting period for rental coverage. Understanding the specific purpose of each OPCF endorsement helps insurers and policyholders tailor their coverage to meet individual needs.