What does the OPCF 16 endorsement do?

The OPCF 16 endorsement, also known as the "Family Protection Coverage" endorsement, is designed to protect insured individuals against underinsured or uninsured drivers. It specifically supplements a standard auto policy by providing coverage for damages or losses that arise when the at-fault party does not have sufficient insurance to pay for the damages. This coverage is vital for ensuring that policyholders have adequate financial protection in cases of accidents with drivers who lack the necessary insurance.

The context of this endorsement means that rather than suspending insurance coverage, it enhances the existing policy by providing additional security against potential losses due to accidents with underinsured or uninsured drivers.