What does the OPCF 27 provide coverage for?

The OPCF 27, also known as the “Additional Coverage for the Personal Use of Non-Owned Automobiles,” specifically provides coverage for legal liability associated with the use of non-owned vehicles. This endorsement is particularly valuable for individuals who may operate vehicles that are not personally owned, such as rental cars or vehicles borrowed from friends or family.

Under this endorsement, if you use a non-owned vehicle and become liable for damages or injuries resulting from an accident while driving that vehicle, the coverage helps protect you financially. It effectively extends your existing liability insurance to cover these scenarios, which is critical since personal auto insurance policies typically do not cover vehicles that are not owned by the insured party.

The other options do not align with the coverage provided by the OPCF 27. Personal property damage pertains to home or commercial insurance policies. Homeowners insurance covers property and liability related to a home, and general business liability pertains to business-related risks, none of which are related to non-owned vehicles.