Which endorsement allows coverage for vehicles not owned by the insured?

The endorsement that allows coverage for vehicles not owned by the insured is appropriately identified as OPCF 2, which is also known as the "Owner's Policy - Automobile". This endorsement is designed to extend automobile insurance coverage to vehicles that are rented, borrowed, or otherwise temporarily used by the insured. It is especially useful for individuals who may need to use vehicles that are not part of their personal fleet, ensuring they have the necessary liability and coverage protection while operating those vehicles.

This option stands out because it specifically addresses the need for coverage outside of owned vehicles, which is a common scenario for drivers who may occasionally use different cars. The flexibility provided by OPCF 2 enhances the insured's protection in various driving situations. Other endorsements listed either pertain to specific types of coverage not related to non-owned vehicles or detail different coverage aspects entirely.