What does OPCF 44R provide for the insured's family?

The OPCF 44R form, also known as Family Protection Coverage, is designed to provide crucial protection for the insured's family against uninsured and underinsured motorists. This coverage ensures that if a family member is involved in an accident caused by a driver who does not have sufficient insurance or any insurance at all, the policyholder’s own insurance will step in to cover the damages and medical expenses that arise from such an incident.

This additional layer of protection is essential for safeguarding financial stability and ensuring that injured parties can receive necessary compensation, even when the responsible party lacks adequate coverage. By having this coverage, families can feel more secure knowing they are protected from the potential financial hardships that could stem from being involved in accidents with inadequately insured drivers.