What does the OPCF 44R endorsement primarily aim to address?

The OPCF 44R endorsement primarily focuses on providing family protection in the event of an accident. This endorsement is designed to enhance the personal injury protection available to the insured’s family members, ensuring that they are covered in situations where they may sustain injuries in an accident caused by an uninsured or underinsured motorist.

By adding this endorsement, policyholders can secure benefits for their spouses and dependents, extending coverage beyond the primary insured individual. This means that if an accident occurs and someone in the family is injured, the family protection coverage through the OPCF 44R will provide compensation for medical expenses, lost wages, and other related costs. This endorsement is particularly important for families who want to ensure that all members are adequately protected, regardless of fault in an accident.