What does the OPCF 2 endorsement provide coverage for?

The OPCF 2 endorsement, also known as the "Additional Liability Insurance" endorsement, specifically provides coverage for vehicles that are not owned by the insured. This endorsement extends the liability coverage of the policyholder to include vehicles that they may be using temporarily, which are neither owned nor leased by them. This is crucial for enhancing the protection of the policyholder when operating vehicles they do not possess, addressing situations such as borrowing a friend’s vehicle or using a rental car.

The other options do not reflect the coverage provided by the OPCF 2 endorsement. The endorsement is not limited to owned vehicles or specifically for vehicles rented by the policyholder; rather, it is designed to cover liabilities arising from the use of other vehicles. Additionally, it does not apply to commercial vehicles used for business unless specifically included in a different policy or endorsement. This focused applicability makes the OPCF 2 a valuable extension for policyholders needing broader protection.