What benefit does the OPCF 39 provide?

The OPCF 39, or the Ontario Policy Change Form 39, offers a specific benefit known as the "accident waiver for the first at-fault incident." This feature provides a policyholder with the advantage of not having their insurance premium increase following their first at-fault accident. It is particularly appealing for drivers who wish to minimize the financial repercussions of an accident on their insurance costs. By waiving the impact of that first accident, policyholders can maintain their current premium rates, making it a valuable addition to their car insurance policy.

The other benefits mentioned do not accurately describe the OPCF 39. While increased rental coverage may also be a separate add-on, it is not what the OPCF 39 specifically provides. Similarly, comprehensive vehicle replacement and extended warranty coverage pertain to different aspects of vehicle insurance and are not part of the waiver that OPCF 39 offers. Thus, the primary focus of OPCF 39 is centered on addressing how the first at-fault incident affects insurance premiums.