Auto Endorsements

OPCF 5 – Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s)

If you rent or lease your vehicle, this endorsement is added to extend your coverage to the vehicle.

OPCF 17 – Reinstatement of Coverage

This endorsement reinstates the coverage that was suspended by OPCF 16.

OPCF 19A – Agreed Value of Automobiles

This endorsement changes the method of adjusting losses to an agreed value determined by the vehicle’s appraisal.

OPCF 20 – Coverage for Transportation Replacement*

This endorsement helps pay for the cost of a rental vehicle up to a specified limit if your vehicle is being repaired or replaced after a covered claim.

OPCF 23A – Lienholder Protection

If you rent or lease your vehicle, this endorsement is added to identify and protect the financial interest of a Mortgagee, Lienholder or Assignee.

OPCF 23A – Lienholder Protection 2024

If you rent or lease your vehicle, this endorsement is added to identify and protect the financial interest of a Mortgagee, Lienholder or Assignee.

OPCF 27 – Liability for Damage to Non-Owned Automobile(s) and Providing Other Coverages When Insured Persons Drive Other Automobiles*

This extends the coverage of your policy when you’re driving a vehicle that you don’t own such as a rental.

OPCF 32 – Use of Recreational Vehicles by Unlicensed Operators

This endorsement allows a person who doesn’t have a driver’s license, or is not authorized by law to drive, to operate or drive your recreational vehicle, such as an ATV or snowmobile, off a public highway.

OPCF 43 – Removing Depreciation Deduction (Owned Vehicle)*

This endorsement changes the method of adjusting losses by removing the deduction for depreciation for a defined period of up to 60 months from the date of purchase.

OPCF 43 – Removing Depreciation Deduction (Owned Vehicle)* 2024

This endorsement changes the method of adjusting losses by removing the deduction for depreciation for a defined period of up to 60 months from the date of purchase.

OPCF 43A – Removing Depreciation Deduction (Leased Vehicle)*

This endorsement changes the method of adjusting losses by removing the deduction for depreciation for a defined period of 60 months from the date of lease.

OPCF 43A – Removing Depreciation Deduction (Leased Vehicle)* 2024

This endorsement changes the method of adjusting losses by removing the deduction for depreciation for a defined period of 60 months from the date of lease.

OPCF 44R – Family Protection Endorsement*

This endorsement extends your third party liability coverage to pay for your injury claim if you are involved in an accident with a driver who is underinsured, not insured, or is unknown, such as in a hit and run.

OPCF 47- Agreement Not to Rely on SABS Priority of Payment Rules

If you purchased Optional Accident Benefits, this endorsement is automatically added.

OPCF 49 Agreement Not to Recover for Loss or Damage from an Automobile Collision

This endorsement removes Direct Compensation Property Damage coverage from your policy. This means that you will not have coverage for damage to your vehicle where you were not at fault, nor will you have coverage for damage to a rental vehicle.

PCF 320 – Coverage for Transportation Replacement, Liability for Damage to Non-Owned Automobile(s), and Providing Other Coverage’s When Insured Persons Drive Other Automobiles*

This endorsement combines OPCF 20 and 27 and applies to private passenger vehicles, station wagons and light commercial vehicles.

PCF 321 – Driving Record Protection Endorsement (For Private Passenger Automobiles)*

This endorsement maintains your driving record after your first at-fault claim.

PCF 322 – Driving Record Protection Endorsement (For Individually Rated Commercial Automobiles)*

This endorsement maintains your driving record after your first at-fault claim.

PCF 324 – Minor Conviction Rating Protector Endorsement (For Private Passenger Automobiles)*

This endorsement preserves your Conviction Free Rating following your first minor conviction.