{"id":8986,"date":"2024-04-30T22:42:29","date_gmt":"2024-05-01T03:42:29","guid":{"rendered":"https:\/\/www.bbrown.com\/?page_id=8986"},"modified":"2024-04-30T22:49:51","modified_gmt":"2024-05-01T03:49:51","slug":"opcf27","status":"publish","type":"page","link":"https:\/\/bbrown.com\/ca\/opcf27\/","title":{"rendered":"Legal Liability for Damage to Non Owned Autos (OPCF 27)"},"content":{"rendered":"

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Legal Liability for Damage to Non-Owned Autos (OPCF 27)<\/span><\/b><\/h1>\n

What is the OPCF 27?<\/span><\/b>\u00a0<\/span><\/p>\n

All vehicle owners are required to have a standard automobile insurance policy. This makes up the base of the insurance. This includes coverage for third-party liability, accident benefits, direct compensation and uninsured automobile. The next factor is the optional physical damage coverage for your automobile. The options are All Perils, Collision, Comprehensive or Specified Perils. You may modify your standard policy or optional physical damage coverage with endorsement forms. In Ontario, endorsement forms are called Ontario Policy Change Forms (OPCF). Each OPCF has a corresponding number to represent the purpose of the change form.<\/span>\u00a0<\/span><\/p>\n

The form is called Legal Liability for Damage to Non-Owned Automobiles Endorsement. The purpose of the change form is to use your optional physical damage coverage on a vehicle you do not own. Typically, most people use the OPCF 27 when renting a car without paying the daily insurance rate through the rental company, but it could be used on non-rental vehicles borrowed and not owned.<\/span>\u00a0<\/span><\/p>\n

For more details, <\/span>download the form here<\/span><\/a>. Continue reading to understand scenarios to consider using the OPCF 27.<\/span>\u00a0<\/span><\/p>\n

Why consider purchasing daily insurance from the rental car company?<\/span><\/b>\u00a0<\/span><\/p>\n

There are benefits and drawbacks when buying daily insurance from a car rental company. The cost of daily insurance is high, and the coverage purchased can seem unclear without reading the fine print. For example, some daily rental car insurance agreements do not cover damage to the windshield. Before making any insurance purchase from the rental car company, determine if there is clear documentation on how the coverage will respond. Review the limits, exclusions and the deductibles for which you are responsible.<\/span>\u00a0<\/span><\/p>\n

Some car rental companies offer transparent, worry-free insurance coverage. In most cases, if you were involved in an accident, the rental car company will pick up the damaged vehicle and provide a replacement rental car. Depending on the severity of the damages, you could be back on the road within minutes.<\/span>\u00a0<\/span><\/p>\n

When should I consider using the OPCF 27?<\/span><\/b>\u00a0<\/span><\/p>\n

You have the option to use the OPCF 27 instead of paying daily insurance on the car rental. However, verify that this endorsement is on your policy. Using the OPCF 27 will save you some money, but in the event of loss or damage, you will need to make a claim against your insurance policy.<\/span>\u00a0<\/span><\/p>\n

Items to consider when using OPCF27 when renting a car:\u202f<\/span><\/b>\u00a0<\/span><\/p>\n