When you are not at fault in a collision with an underinsured, uninsured, or unidentified motorist, family protection coverage, or OPCF 44R in Ontario, is supplemental car insurance that protects you and qualifying family members in the case of injury or death. The insurance protects you up to the limit of your liability coverage.
We don’t like to think about the worst-case scenarios for our future. When you combine this with the fact that comprehending automobile insurance can be difficult, it’s easy to overlook the additional coverage alternatives available to you. However, there are a few compelling reasons to include family protection coverage in your insurance policy.
Hit-and-run Insurance Policy
You never want to be in a car accident, and the prospect of getting in one with an unidentified driver is even more terrifying. You have no remedy until you can identify the motorist and your insurance covers all costs. If this situation occurs and you have family protection coverage, you will not be responsible for any medical expenditures or losses.
When you consider the potential recovery costs (e.g., capacity to work, home care), the numbers can add up, and your basic coverage can quickly be gone. Adding family protection coverage to your policy will give you the extra protection you need.
Prevention Of Potential Dangers
The cost of medical expenditures and lost pay might be high if you or a family member is involved in a catastrophic accident. You don’t want to be in an accident with an uninsured motorist or someone whose policy won’t pay your expenditures or when you didn’t have enough coverage. If you add OPCF44R coverage to your vehicle’s insurance policy, you’ll have peace of mind in the event of a worst-case situation.
A family protection policy is often less expensive than other add-on insurance alternatives. While factors like driving history influence the price, the OPCF 44R is one of the more inexpensive add-ons available.
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