Blog OPCF 44R Family Protection Coverage Explained

Nov 5, 2020

The OPCF 44 And 44R Ontario Policy Endorsement

young family in a suv

Often when we search for Ontario car insurance, we focus on the yearly premium, not what is fully provided under the policy. In addition to the mandatory required coverage, you also have access to many different types of optional coverage, including family protection coverage (OPCF 44).

When it is time for renewal, it might be worth looking into Family Protection Coverage, or OPCF 44. Here is what you should know about adding Family Protection Coverage to your policy.

What Is The OPCF 44 Endorsement?

This Ontario Policy Change Form eliminates potential risk and gives you added coverage in case of an accident. It allows your third party liability limits to be increased if you are ever involved in an accident with a driver who is underinsured or has no coverage.

How Does OPCF 44 Work?

This coverage applies if you are involved in an accident where you are not at fault and the other driver is not insured, has less insurance, or is unidentified (the case of a hit and run, for example). OPCF 44 provides you and eligible family members with additional third-party liability coverage and benefits (bodily injury or death). With the help of this endorsement, you can recover the remaining damages.

To add this endorsement to your policy, you will need to contact your insurer and fill out the OPCF 44 form. You will provide the coverage amount and family members that will be covered under the endorsement.

What Does OPCF 44 And 44R Cover?

If an individual ever hits you with and they have insufficient or no insurance, OPCF 44 will provide extra protection to those named in the endorsement and their family.

The OPCF 44R ensures that you will have access to coverage if you or a family member is injured. Coverage applies to children under 18,those who are financially dependant, or family members residing in your home.

Coverage is active regardless of whether you or your family members are in the car when the accident occurs. It also applies to injuries from a motor vehicle accident if you were the driver, passenger, cyclist, or pedestrian.

Depending on your insurer, you may have a few coverage limits to choose from. OPCF 44R will mirror your third party liability coverage. For example: if you have a limit of $2,000,000 and the driver who causes an accident only has $1,000,000 in liability coverage, OPCF 44R will provide another $1,000,000 in your coverage. This additional coverage can go a long way if someone faces a serious or lifelong injury.

Is OPCF Mandatory?

OPCF 44, 44R is not mandatory in Ontario. It is optional auto insurance coverage drivers can purchase and add to their plan.

Will OPCF 44 Increase My Premium?

The cost to add this endorsement is generally minimal and less expensive compared to other additional coverage, such as accident benefits. The increase in your policy will depend on a few factors, such as your driving history and previous claims.

Add OPCF 44, 44R To Your Policy

OPCF 44, 44R can be worth purchasing in addition to third party liability coverage. Speak with our insurance brokers to help add OPCF 44, 44R, to your policy.

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