What does OPCF 27 specifically cover?

OPCF 27, or the Ontario Policy Change Form 27, is specifically designed to provide coverage for damage to non-owned vehicles. This type of coverage is crucial for drivers who might borrow or rent vehicles. Without OPCF 27, damage that occurs to a non-owned vehicle while in the insured's possession may not be covered under a standard auto insurance policy.

Having this endorsement means that the insurance will extend to cover any damage caused to a vehicle that is not owned by the insured, which can be important in situations such as borrowing a friend's car or renting a vehicle while traveling. This additional layer of coverage ensures peace of mind for the driver, as they can operate non-owned vehicles with the understanding that they are protected against potential damages.

The other options pertain to different types of coverage not specifically addressed by OPCF 27. Damage to owned vehicles refers to the vehicle listed on the insurance policy, liability covers damages one may cause to others, and medical expenses for passengers would refer to coverage for medical costs arising from an accident, none of which are the primary focus of OPCF 27.